Cross-Border Card Payments and Currency

Identify each currency in the payment flow

Record the currency shown in the cart, sent with the authorization, and used for merchant funding. The buyer’s issuer may also display a converted amount. Confirm which markets and currencies the account and storefront support before presenting them at checkout.

Document who performs any conversion

Ask where conversion occurs and how the exchange rate and fees appear. If the merchant offers Dynamic Currency Conversion, follow the applicable provider and network rules for displaying the offer and obtaining the buyer’s choice. Show the final charge currency in receipts and support records.

Reconcile sales and refunds at each step

• Compare the receipt amount and currency with the gateway transaction.
• Identify conversion fees and settlement adjustments separately from order amounts.
• Ask how refunds are converted and which record confirms the credit. Give support a verified transaction and refund reference for customer questions.