Multi-currency pricing
Present and charge in the currency each customer expects.
International Payments
Local acquiring in 4 regions
Sell everywhere, settle the way you want
Accept 135+ currencies with local acquiring for higher authorization rates, then settle across multiple currencies to fit your treasury.
Multi-currency
USD$248,120
EUR€96,450
GBP£54,200
JPY¥8.4M
Local acquiring in 4 regions
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Overview
Process like a local, operate like a global business
Cross-border commerce fails quietly: prices in the wrong currency scare off buyers, and routing every payment through one country drags down authorization rates and adds fees.
Bear Merchant lets you show local prices, process through local acquirers for better approvals, and settle in the currencies your business actually needs — all from one integration and dashboard.
135+ presentment currencies
Local acquiring in key regions
Transparent, competitive FX
Multi-currency settlement
Regional & alternative methods
Coverage
The rails your buyers already trust
Cards are only part of it. In most markets a local method converts better than an international card — so we support both.
Visa
Mastercard
American Express
JCB
SEPA Direct Debit
Faster Payments
iDEAL
Bancontact
SOFORT
PIX
UPI
Alipay
WeChat Pay
Apple Pay
Google Pay
Settlement available in 30+ currencies, held or converted at your treasury's preference.
Features
A global payments layer, unified
The pieces you need to expand into new markets confidently.
Local acquiring
Route through in-region banks to lift authorization rates.
Automatic FX
Convert at competitive rates, or hold the original currency.
Multi-currency settlement
Settle across currencies to reduce round-trip conversions.
Local payment methods
Offer the regional methods customers already trust.
SCA & 3-D Secure
Meet regional authentication requirements out of the box.
How It Works
How global processing works
01
Show local prices
Display currency and methods based on the customer's region.
02
Route locally
Send the transaction through the best in-region acquirer.
03
Convert or hold
Apply FX or keep the original currency as you prefer.
04
Settle
Receive funds across your chosen settlement currencies.
Benefits
More approvals, fewer fees, happier customers
Higher approval rates
Local acquiring reduces cross-border declines.
Lower FX & fees
Competitive conversion and fewer unnecessary round-trips.
Better conversion
Local currency and methods build buyer trust at checkout.
Simple treasury
Hold and settle in the currencies that match your operations.
Results that compound
0+
Currencies
0+
Countries
0+
Local acquirers
0%
Avg auth rate
Who It's For
Who sells across borders with us
Global ecommerce
Brands shipping and selling into multiple regions.
SaaS & digital
Products with customers in dozens of countries.
Travel
Bookings priced and paid in many currencies.
Marketplaces
Platforms with international buyers and sellers.
Wholesale & B2B
Exporters invoicing overseas customers.
Gaming & content
Digital goods sold to a worldwide audience.
FAQ
Frequently asked questions
You can present prices and accept payments in 135+ currencies, letting customers pay in the currency they know while you settle in the currencies you choose.
Local acquiring routes a transaction through a bank in the customer's region. This significantly improves authorization rates and reduces cross-border fees compared with processing everything through one country.
We convert at competitive, transparent rates. You can choose to settle in the transaction currency or convert to your home currency automatically.
Yes. You can hold and settle in multiple currencies to match your suppliers and treasury, reducing unnecessary round-trip conversions.
Yes. Beyond global card networks, we support a growing set of regional and alternative payment methods so you meet customers where they are.
Yes. We operate within card-network rules and regional regulations, with strong-customer-authentication support such as 3-D Secure 2.0 where required.
Take your business global
Accept local currencies, lift authorization rates and settle the way your treasury needs.