Payments, Currency & FX

With Swap, payments flow directly to your business, unlike providers that hold your funds before paying you. You receive the money, not a third party. Payout timing depends on your payment processor but there's no additional delay from the cross-border platform. This ensures better cash flow and cleaner reconciliation.

Dynamic rates adjust prices automatically as exchange rates move, simple but creates pricing volatility customers may notice. Fixed pricing gives you control, you set prices per market and adjust periodically. Most brands use a hybrid: dynamic as baseline with manual overrides for key markets. Swap gives you control over cross-border pricing at the market level.

Refund in the customer's original payment currency to avoid exchange rate disputes. The refund amount should match what they paid, regardless of current exchange rate fluctuations. Your cross-border platform should handle currency conversion automatically. Swap processes refunds in the original transaction currency.

Work with a payment processor that supports multiple currencies (Stripe, Adyen, PayPal). Configure your checkout to detect customer location and display the appropriate currency. Decide on settlement currency (you may receive funds in your home currency regardless). Swap's payment infrastructure handles multi-currency processing while keeping funds flowing directly to your business.

FX fees are charged on every currency conversion, by payment processors (typically 1-3%), banks, and sometimes cross-border platforms. Some providers add hidden FX margins on top of interbank rates. Swap's transparent pricing model avoids hidden currency markups, so you know exactly what you're paying.

EU: iDEAL (Netherlands), Bancontact (Belgium), SEPA, Klarna. UK: debit cards, PayPal, Klarna. US: credit cards, PayPal, Apple Pay, Google Pay. China: WeChat Pay, Alipay. Brazil: PIX, Boleto. Japan: konbini payments, PayPay. Not offering preferred local methods loses sales at checkout. Swap's global payment infrastructure supports Apple Pay and global payment methods.

Options: build a margin buffer into international prices (typically 3-5%), use forward contracts to lock exchange rates, adjust prices monthly rather than in real-time, or use a platform that handles currency conversion and settlement. The key is protecting margins without constant price changes that confuse customers.

Very. 55% of cross-border shoppers use BNPL for all or most online purchases according to DHL's 2025 survey. Klarna dominates in Europe. BNPL increases average order value and reduces purchase hesitation for international customers unsure about cross-border quality.