International Credit Card Processing

Our wide range of foreign payment alternatives lets you expand your business with ease and conduct business with clients all over the world, assuring a quick and easy payment process for both you and your clients.

International Credit Card Processing

Leverage the power of your AuthoPay account to effortlessly process credit card payments from customers located across the globe. Irrespective of their credit card's currency, your customers will be billed in your local currency, ensuring a hassle-free experience. The funds will be seamlessly deposited into your account without any currency conversions, while the customer's bank will handle the conversion at the time of the transaction. These transactions are governed by international interchange rates set by Visa and Mastercard.

How International Transactions are Processed

Step 1: Payment Initiation

Customer makes an online purchase with their USD credit card on a Canadian e-commerce website.

Step 2: Authorization and Validation

The Canadian acquiring bank verifies the transaction's validity and available funds in USD.

Step 3: Settlement and Completion

The acquiring bank converts USD to CAD based on the exchange rate and settles the transaction with the merchant in CAD.

Effortlessly Process USD Payments for your International Business.

Setting up a US Dollar Merchant Account is a strategic decision for an international business engaged in frequent sales to consumers in the US to reduce currency translation costs.

You have the option to open either a US currency merchant account or an international merchant. By choosing a USD merchant account, your international firm is given the ability to bill clients in USD and receive the processed cash in a special USD bank account provided by a financial institution in your nation. Losses due to currency conversion are thus completely eliminated. International retailers can accept popular card networks including Visa, Mastercard, and Amex with a USD merchant account.

AuthoPay offers a range of three distinct merchant account options:

Canadian merchant account - CA-CAD

As a Canadian merchant running a business within Canada, you primarily accept payments in Canadian currency.

Canadian merchant account - CA-USD

If you are a Canadian merchant seeking to bill customers in USD and have the funds settled into a US dollar bank account within Canada.

US merchant account - US-USD

To acquire a genuine US merchant account, your business must be registered with a valid address and possess a legitimate US bank account. All fees associated with USD accounts, including processing fees and the monthly fee, are charged in USD.

effortlessly process usd payments for your Canadian business

Initiate international transaction processing with ease.

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FAQ'S

Why choose AuthoPay?

AuthoPay stands out with transparency, low rates, smart tools, and exceptional service! We prioritize building lasting relationships with our merchants, providing the payment service you've been seeking.

Who is AuthoPay for?

If your business needs a better way to accept credit and debit cards online or in person, AuthoPay is the ideal payment company. Our wide range of payment tools and software solutions make it faster and easier for you to get paid.

How are the processing rates determined?

With AuthoPay, we offer Interchange Plus pricing for Visa, Mastercard, Amex, and other card brands. This provides complete transparency and greater savings, passing the base cost directly to you with a single markup. No surprises on your monthly statement!

Do you offer volume discounts?

Yes! AuthoPay's Interchange Plus margin automatically decreases as you process more, ensuring even more savings for your business.

How long does it take to receive funds?

Deposits appear in your bank account within 2 business days, depending on the settlement time of your transactions. Weekend or holiday transactions are processed on the following business day, with daily transactions batched together and deposited to your bank account net of processing fees.

How can I order equipment?

The AuthoPay Shop is easily accessible through your account dashboard after sign-up. Order card readers, stands, printers, and more directly from there. Shipping is free and takes 2-3 business days via FedEx or UPS Ground.

Do I need to change banks?

No need to change banks! You can use your existing bank account, whether it's from a financial institution, credit union, or personal bank account (sole proprietors). Incorporated businesses and partnerships are required to use a business bank account. We also accommodate law firms and businesses with separate trust and operating bank accounts.

How does signing up work?

Signing up is simple on our website using your computer or mobile phone. No complicated paperwork or signatures are required. In as little as 2 minutes, provide basic business, address, and contact information to create your AuthoPay account and start using it right away! Get started here.