Process in-country and pay domestic rates
When a payment is acquired in the shopper's own country, issuers approve more of them and cross-border fees disappear.
Why it matters
Higher acceptance
Issuers trust domestic transactions more than foreign ones.
Lower cost
No cross-border surcharge where we acquire locally.
Local descriptors
Statements show a name and currency shoppers recognize.
What's inside
Reach
- Domestic processing in our local markets
- Automatic routing to the local acquirer
- Cross-border fallback everywhere else
29markets with local acquiring1
How it works
- 1
Shopper pays
A card from the shopper's country is presented at checkout.
- 2
Route locally
We send it to our acquirer in that country.
- 3
Issuer approves
The issuer sees a domestic transaction.
- 4
Settle
Funds settle into your chosen currency balance.
Try it
Total fees
2,82 €
Effective rate
2,19 %
You receive
138,36 $
Fee breakdown
- Processing (1,5 %)1,94 €
- Fixed fee0,23 €
- FX margin (0,5 %)0,65 €
- Local acquiring available: no cross-border surcharge.
- A typical bank FX spread would cost about 3,87 € on this order.
Illustrative Launch-tier pricing as of 01.10.2026. Final rates are set on contract.
See full pricingcurl https://api.international-orders.com/v1/orders \
-u $IO_SECRET_KEY: \
-H "Content-Type: application/json" \
-d '{
"amount": 12900,
"currency": "EUR",
"settlement_currency": "USD",
"shipping": { "country": "DE" },
"items": [{ "name": "Wool scarf", "hs_code": "6117.10", "quantity": 1, "unit_amount": 12900 }]
}'Customer story
Northwind Outfitters
+3.4 pts
card acceptance in Germany · Illustrative
We stopped guessing which fees would land on an order. Duty-inclusive prices took returns down with them.
Mara Lindqvist, Head of Ecommerce Read the story: Northwind Outfitters
Questions about Local Acquiring
Put Local Acquiring to work
Test it in the sandbox today, or talk to us about your markets.