2 minutes
Make cross-border checkout feel local
Give shoppers choice at checkout with more local payment methods and a clear option to pay in their home currency, right when it matters.
Marcus Lang
Head of Product, FX and Financial Experiences
Marcus Lang is a product leader in FX and payments, focused on scaling financial experiences for enterprise merchants. He leads the FX portfolio for Worldpay, now Global Payments, shaping billing, settlement and cross-border commerce.
Key points
- Currency uncertainty at checkout is a preventable conversion problem. eDCC gives Visa and Mastercard cardholders their home currency price before they pay, reducing abandonment and simplifying post-transaction reconciliation for merchants.
- Payment method coverage determines effective market reach. In markets where cards are not the primary payment mechanism, offering locally dominant methods – wallets, installment products, regional networks – is a functional requirement, not a nice-to-have.
- Worldpay's Multi-Currency Pricing+ removes the fixed FX rate windows that create margin risk for merchants with deferred capture cycles, allowing rates to be held for up to a month with a guaranteed outcome.
This article is part of our Innovation Focus series, covering the latest product updates from Worldpay and Global Payments. Explore more at Innovation Focus.
A customer in Germany who reaches checkout and sees only USD pricing has a decision to make – and not always in the merchant's favour. Currency uncertainty is one of the more preventable causes of cart abandonment in cross-border commerce. Fixing it does not require a major infrastructure change; it requires giving shoppers a clear choice and the right information at the right moment.
The same logic applies to payment methods. A checkout built only around card schemes performs well in markets where cards dominate. It underperforms everywhere else. Building cross-border reach means meeting customers where they already pay – and that looks different in Southeast Asia, Latin America and continental Europe.
What local payment methods actually solve
The case for alternative payment methods is straightforward: In many markets, they are not alternative at all. GCash is the dominant digital wallet in the Philippines. Kredivo provides buy-now-pay-later access across Indonesian and Vietnamese consumers who may not hold credit cards. Carte Bancaire sits at the center of French card payments.
Worldpay recently added 15+ new payment methods globally, including these and others. For merchants operating across multiple regions, each addition reduces the gap between a customer's preferred way to pay and what the checkout actually offers.
Currency clarity at checkout
eDCC (electronic Dynamic Currency Conversion) helps businesses tackle a specific and common friction point in cross-border transactions: paying in an unfamiliar currency. For eligible Visa and Mastercard transactions, consumers can see and choose to pay the total purchase price in their home currency before they complete payment. They know exactly what they will be charged. That transparency tends to reduce uncertainty-related abandonment and disputes.
For the merchant, eDCC also simplifies reconciliation. When the currency conversion is handled at checkout rather than post-transaction by the card network, the merchant sees a clearer picture of what each transaction is worth.
eDCC is currently available for businesses with UK and BV licenses via HPP integration. Additional integrations are in development.
FX rate flexibility for complex capture cycles
Not every merchant captures payment at the moment of authorisation. Travel, subscription and B2B merchants often have a gap between order placement and fulfilment – gaps where FX rate movements can erode margins or create reconciliation headaches.
Multi-Currency Pricing+ now removes fixed FX rate refresh windows for enterprise businesses. Merchants can retrieve and apply rates when it suits their operations, hold them for up to a month, and choose when to capture – with a guaranteed rate throughout. Businesses with delayed or irregular capture cycles get the stability they need without changing their existing workflow.
Turn cross-border complexity into confident, conversion-ready experiences.
The most effective cross-border strategies focus on removing friction, not adding complexity. By aligning pricing, payments and FX flexibility to how customers actually transact, merchants can convert more demand into revenue.
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