5 Best Multi-Currency Payment Processing Platforms

Key Features of Multi-Currency Payment Processing Platforms

Not all payment platforms are the same. If you’re comparing options, there are a few key things to check.

Currency Coverage

Look for a platform that supports the currencies you and your customers care about. Some focus only on major markets. Others, like Rapyd, cover over 100 countries and offer hundreds of payment methods, from cards to bank transfers and local ewallets.

Local Card Acquiring

Working with a provider that’s directly licensed as a local acquirer in the markets where you do business matters. It improves authorisation rates, reduces chargebacks and improves your ability to grow your business. Rapyd holds direct acquiring licences in the UK, Europe, Israel and Singapore and allows you to accept and send payments worldwide.

Conversion and Settlement

The platform should offer transparent currency conversion with the ability to lock in rates before conversion. Settlement should be quick, predictable and match your preferred currency, so you’re not guessing what you’ll receive.

Security and Compliance

Security and compliance are important aspects of payment processing. Look for built-in fraud prevention tools and automated dispute management. These features protect your business and reduce your time dealing with chargebacks and false declines.

6 Best Multi-Currency Payment Processing Platforms

Rapyd

Rapyd is a global payment platform designed to simplify local and cross-border transactions for every business. As a global payments platform, it offers a single, integrated solution, allowing merchants to accept payments worldwide in more than 150 currencies and send payouts to 190+ countries. Its infrastructure supports hundreds of payment methods, including cards, bank transfers, ewallets and cash. Rapyd’s direct acquiring licences in the UK, Europe, Israel and Singapore allow for local card acceptance, leading to higher authorisation rates and reduced chargebacks. Rapyd also provides tools for compliance, risk management and fraud prevention, making it a strong choice for businesses expanding internationally.

• Supports over 900 payment methods
• Direct Visa and Mastercard acquiring 
• Integrated fraud and compliance tools
• Fast onboarding and support for every business
• Multi-currency business accounts
• A top-20 Visa acquirer trusted by 250,000+ merchants worldwide

This platform is ideal for payfacs, independent sales organisations, software vendors, merchants and referral partners. It’s particularly powerful for payments consultants and businesses operating in high-opportunity industries like online gaming, financial services, and travel who need a reliable, long-term solution and fast, frictionless onboarding. 

Stripe

Stripe offers payment infrastructure for online and in-person transactions, with support for over 135 currencies. It’s known for its developer-first approach, allowing businesses to customise checkout experiences and build payment workflows into their own systems. Stripe also offers additional tools like billing, fraud prevention and reporting, making it one of the most complete payment ecosystems on the market.

• Accepts payments in 135+ currencies
• Developer-friendly APIs
• Advanced fraud detection
• Flexible checkout customisation
• Wide range of software integrations

Stripe is a good fit for tech-driven companies that want control over how they manage payments. Startups, SaaS providers and digital platforms that prioritise customisation often go with Stripe.

Worldpay

Worldpay offers payment processing services that support over 120 currencies, helping businesses accept a variety of global payment methods. It includes features like fraud protection, recurring billing and detailed reporting to help companies manage transactions across borders efficiently.

• Accepts 120+ currencies
• Fraud protection tools
• Subscription and recurring billing support
• In-depth reporting and analytics
• Integrates with POS and eCommerce systems

Worldpay is a solid option for retailers and enterprises that require a scalable platform for managing both online and in-person international payments.

Airwallex

Airwallex provides financial infrastructure for businesses handling cross-border payments. It offers multi-currency accounts, built-in FX and a wide network of global and local payment methods. Companies can also manage employee expenses and issue multi-currency cards through the same platform.

• Supports 160+ payment methods
• Multi-currency accounts and virtual cards
• Fast international transfers with competitive FX
• Integrated expense and team management

Airwallex is best for companies managing global teams or suppliers who need to move money efficiently between countries while keeping costs down. It’s a popular choice for eCommerce brands and SaaS businesses with international operations.

Tipalti

Tipalti is focused on automating accounts payable and supplier payments at scale. It supports payments in over 190 countries and 120 currencies, with a strong emphasis on compliance and risk controls. Businesses use Tipalti to reduce manual work and centralise payables in one platform.

• Global payments to 190+ countries
• FX support for 120 currencies
• Tax compliance and automated reporting
• Risk and fraud detection tools
• Supplier self-service portal

Tipalti is a strong fit for mid-sized and large businesses with complex supplier networks. It’s commonly used by marketplaces, affiliate platforms and media companies that manage high volumes of payees worldwide.

How to Choose the Right Platform for Your Business

Choosing a multi-currency payment platform means determining which one best fits your business needs.

Start with where you sell. If you have business entities in multiple regions or if you are planning to expand, make sure the provider supports local acquiring in those markets. For example, if you need to process payments in Europe, make sure the provider has the necessary licences and local acquiring capabilities. Using a local acquirer can help you get higher authorisation rates and fewer chargebacks. For broader global coverage, look for providers with licences in multiple regions and support for cards and local payment methods.

Next, consider how your business runs. Some platforms are better suited for developers who want full control, while others focus on simplicity and fast setup. If you don’t have a technical team, look for tools with ready-made integrations and minimal configuration.

Pricing matters too. Check transaction fees, conversion rates and any monthly charges. Some providers offer transparent rates, while others add hidden margins on foreign exchange. Choose a platform that tells you precisely what you’ll pay.

Security and compliance are critical. You need a provider that offers fraud prevention tools out of the box. If you’re dealing with high volumes or high-opportunity industries, look for automated dispute resolution and chargeback management.

Finally, consider what you’re planning to do next. If your business is growing, pick a platform that can scale with you. For businesses looking to grow international sales, simplifying cross-border payments is important. A provider like Rapyd offers end-to-end capabilities, from accepting payments to sending payouts and managing multi-currency accounts, so you don’t have to integrate new systems as you expand.

Choose a Multi-Currency Payment Platform That Fits Your Needs

Going global means making it easy for customers to pay you how they’re used to. That’s where a multi-currency payment platform comes in to improve customer experience.

The right provider helps you accept local currencies, reduce conversion costs and reduce declined transactions. However, not every platform offers the same coverage, control or reliability.

If you need a partner who goes beyond processing cards, Rapyd gives you access to hundreds of payment methods, direct acquiring in key markets, and built-in tools for managing fraud, disputes and global payouts. Take the time to map out your needs, weigh your options and pick a platform built for where your business is going next.

Whether you’re accepting payments from one country or 100, Rapyd Collect makes it easy. With card acquiring plus local payment methods, your checkout process flows smoothly for your customers, and more revenue flows to you.