International businesses should not be plagued with the difficulty of accepting payments from anywhere in the world. With global customers, credit card payment processing companies is not just a luxury it is a necessity. But when businesses sell internationally, they face challenges like handling currency conversions, preventing fraud, staying compliant, and earning customer trust. International credit card payment processing companies solves these problems by simplifying and securing cross-border transactions.
International credit card payment processing companies help businesses accept, authorize, and settle payments from customers worldwide. It supports multiple currencies and allows transactions across borders with ease.
These platforms connect merchants to global banks and payment networks. International credit card payments allow businesses to accept payments from customers by processing transactions through a secure network of payment gateways, processors, card networks, and banks. The system checks for authorization, handles currency conversion if needed, and settles the funds into the merchant’s account
They include features like fraud detection, multi-currency support, chargeback handling, tax compliance, and e-commerce platform integration.
Top 10 International Credit Card Payment Processing Companies
1. Stripe
Stripe supports over 135 currencies and can automatically handle foreign transactions. Its extensive documentation and libraries allow businesses to integrate the payment gateway into their existing systems regardless of their technology. Additionally with Stripe, business can customize their checkout process creating a branded experience for customers.
Stripe follows the strict security requirements of PCI DSS (Payment Card Industry Data Security Standard) to protect sensitive payment data. Moreover, Stripe Radar applies machine learning to detect and prevent fraud, adding an extra layer of security for both businesses and their customers across all channels.
Features
- Comprehensive payment processing: The platforms supports not only credit cards but also supports digital bank transfers and bank wallets.
- Customized checkout page
- International payment processing: Stripe accepts 135+ currencies making it easy for international business to use it.
- Advanced fraud detection
- Reporting and analytics.
Pros
- Accepts mobile wallet payments
- Provides instant payouts
- Supports recurring billing
- Enables in-app payment processing
Cons
- Requires time to learn and set up effectively
- Lacks depth in in-person payment solutions
- Becomes costly at high transaction volumes
- May suspend accounts without warning
Pricing
Domestic card transactions
- 2.9% + $0.30 per successful transaction
- +1.5% for international cards
- +1% more if currency conversion is required
In person payments
- 2.7% + $0.05 per successful card charge
- +1.5% for international cards
- +1% additional if currency conversion is needed.
Who it best for?
- E-commerce businesses
- SaaS and subscription-based companies
- Developer-focused teams and tech startups
- Marketplaces and platforms with multi-party payouts
2. Paypal
On Paypal merchants can accept all payments from Venmo, to credit cards and cryptocurrencies. It is the most recognized platform in the payments space. PayPal offers a quick and straightforward setup with basic plans that charge flat-rate fees and no monthly costs. You can create a merchant account in just minutes and start accepting payments right away.
Additionally, PayPal integrates easily with most payment processors and supports merchants in 200+ countries with 140 currencies. As a merchant, you can either host your own checkout page using Payflow’s open API or let PayPal handle the checkout process for a more hands-off experience.
Features
- Online payments: can make transactions without sharing financial details
- Encryption and two-factor authentication
- Easy fraud detection
- Links debit card and credit cards easily
- Mobile payment is available.
Pros
- No contracts or monthly fees
- Simple and fast setup
- Supports a wide range of payment options
- Built-in invoicing capabilities
- Accept installment payments
- Accept payments via links
- Accept crypto payments.
Cons
- No 24/7 phone support
- Higher fees compared to some competitors
- Best suited for low-volume businesses.
Pricing
Standard rate for domestic transactions
- PayPal Checkout/ All other commercial transactions: 3.49% + fixed fees
- Standard credit or debit card payments (via API/invoicing): 2.99% + fixed fee
- QR code transactions: 2.29% + fixed fee.
International commercial transactions
- Add 1.50% on top of the domestic rate.
Who is it for
- Small businesses needing simple payments
- E-commerce merchants
- Casual users and P2P transfers
- Businesses in low-trust markets.
3. Square
Square is a credit card processor primarily for small business and Point-of- Sales (POS) payments. The POS system allows you manage in-store transactions easily. Merchants can organize their online store through a merchant account. It offers flat-rate pricing with no startup, cancellation, or PCI compliance fees. The platform combines hardware, software, and financial tools, allowing businesses to process credit cards, debit cards, contactless payments, and NFC-enabled mobile wallets both online and in-store.
Features
- Multi-currency support
- PCI‑DSS Level 1 certified
- End-to-end encryption + tokenization
- Portable readers and terminals
Pros
- Includes a free mobile card reader
- Offers fast and easy setup
- Charges no monthly fees
- Uses transparent, flat-rate pricing
- Supports hardware options.
Cons
- 24/7 customer support only available with a paid monthly plan
- Hardware may not be compatible with all systems
- Processing fees can become costly for high-volume businesses.
Pricing
Square’s standard fees for online and remote card transactions (e.g., via your website, Square Online Checkout, eCommerce API, or invoices) are:
- 2.9% + $0.30 per transaction.
- Invoice paid via card- 2.9% + $0.30
Who Is It For?
- Retail stores
- Online Businesses
- Startups or Solo entrepreneurs.
4. Clover
Clover, like Square, offers intuitive point-of-sale (POS) software paired with its own line of hardware and flat-rate payment processing. It not only helps businesses accept payments easily but also simplifies operations with tools tailored for retail, food service, home service, and professional industries.
Importantly, Clover acts as the entity that facilitates communication between the merchant, credit card networks, and the customer’s bank. It processes payments while helping businesses remain compliant with Payment Card Industry Data Security Standards (PCI DSS). While some processors offer their own gateways, larger providers like Clover often establish reseller agreements with third-party gateways to expand their capabilities.
Features
- Virtual terminal for accepting and processing credit card payments
- Inventory management and real-time monitoring tools
- CRM and marketing features
- Detailed reports on sales, employee performance, and stock levels
Pros
- Competitive transaction fees
- Industry-specific plans for restaurants, retail, home services, and professionals
- Ability to accept online orders
- Invoice creation and management
- No cancellation fees
- 60-day return policy on POS devices
Cons
- Hardware can be expensive
- Limited support for online-only businesses
- Instant transfer feature has daily limits
- POS system requires a Clover merchant account.
Pricing
Card‑Present (in‑person)
2.3% to 2.6% + $0.10 per transaction
Card‑Not‑Present (keyed‑in/online/invoice)
3.5% + $0.10
Who is it for?
- Multi-location businesses
- Restaurants or service based industries
- Field or mobile businesses.
5. Stax
Stax supports multicurrency and global payments allowing business to increase worldwide. The platform offers a subscription-based payment processing model featuring interchange-plus pricing that benefits high-volume businesses with transparent, flat-rate costs. It supports multi-channel payments including in-person, mobile, online, and invoicing with integrations across POS systems, e-commerce platforms, and invoicing tools. Stax allows all major payment methods and offers essential features like as surcharging, QuickBooks sync, and same-day funding.
Features
- Stripe’s virtual terminal allows you to manually enter transactions and accept payments over the phone.
- Mobile payments: The Stripe mobile app enables you to collect payments on the go, transforming your smartphone into a POS system.
- Stripe accepts digital wallets, including Google Wallet, Apple Pay, Samsung Pay, Visa Checkout, Masterpass by Mastercard, American Express
Pros
- Provides virtual POS terminals.
- Customizable countertop terminals
- Sales and invoicing tools
- Surcharging and lending activities
Cons
- Expensive for low volume business.
- Most integrations cost extra
Pricing
Monthly subscription is based on your annual processing volume.
- Up to $150,000/year: $99/month
- $150,000 – $250,000/year: $139/month
- Over $250,000/year: $199/month and up
Who is it for
- High volume business
- Companies needing strong invoicing and recurring billing, e-commerce and POS integrations.
6. Helcim
Helcim enables businesses to accept international credit cards effortlessly, funding merchant accounts in their local currency while the customer’s bank handles currency conversion. It uses interchange-plus pricing for transparency: you pay actual card brand fees (like Visa, MasterCard, AmEx) plus a flat markup. They charge additional cross-border assessments on foreign-issued cards. Helcim supports Visa, Mastercard, American Express and Discover.
Features
- ACH processing: electronic transfer of money between bank accounts through the Automated Clearing House (ACH) network
- Virtual terminal access
- Fraud protection features
- Integrated eCommerce solutions
- Mobile payments capabilities.
Pros
- Offers low transaction fees for in-person payments
- Provides volume-based discounts as your business grows
- Includes built-in sales, invoicing, and CRM tools
- Easy and fast to set up.
Cons
- Offers limited hardware options
- May be costly for low-volume businesses
- Charges higher rates for online and manually keyed-in payments.
Pricing
- In-person transactions:
Average rate: 1.94% + $0.08 - Keyed-in and online transactions
Average rate: 2.51% + $0.25
Who Is it for?
- Small to medium businesses looking for transparent, volume-tiered pricing
- Retailers and service providers who need POS tools, inventory, and invoicing in one place
- Security-conscious businesses that prioritize PCI compliance and tokenized payments
7. Checkout
Checkout supports transactions in 150 countries and 100+ currencies. Aside from its simplicity of integration, it also has no monthly costs, making it a cheap solution. Checkout.com is an enterprise-grade worldwide payment platform that provides a universal payments API, in-country acquiring, fraud detection, payouts, card issuance, and advanced analytics.
Features
- Unified payment API
- Support for cards, digital wallets, transfers, vouchers
- AI-driven fraud detection engine with 3-D Secure
- Centralized dashboard for payments, reconciliation, FX, and treasury
Pros
- Enterprise-grade controls: built‑in fraud tools, identity checks, and chargeback workflows
- Smart optimization with AI for acceptance, network tokens, and real-time updates
- Unified platform handling payments, payouts, issuing, and FX in one place
- Strong reliability.
Cons
- Unclear and delayed fee reporting
- Higher pricing for smaller merchants
Who is it for?
- Medium-to-large businesses
- Smaller businesses should mind the pricing.
8. Gravity Payments
Gravity Payments offers credit card processing tailored to niche industries like food and beverage, veterinary clinics, legal services, bridal businesses, and retail stores. The company enhances checkout experiences through integrated payment solutions that save time and improve efficiency. Its platform combines hardware and software, supports PCI compliance, and provides 24/7 U.S.-based customer support. Businesses can also access funding through Gravity Capital. However, fees for online and keyed-in transactions vary depending on the software integration.
Features:
- Industry-specific credit card processing (bridal, veterinary, legal, etc.)
- Integrated hardware and software
- 24/7 U.S.-based customer support
- PCI compliance
Pros
- Industry-specific solutions
- Access to business funding through Gravity Capital
- Round-the-clock customer support
Cons:
- Lack of transparent pricing
- Reports of unresponsive customer service
Who is it for?
- E-commerce merchants
- Businesses looking for working capital financing
9. Verifone
Verifone formerly (2Checkout) does transactions in 200 countries, 45+ local payment methods and 100+ currencies. 2Checkout offers a comprehensive, modular monetization platform that supports online, mobile, and subscription-based sales across 200+ countries. It’s made for physical goods, digital products, and SaaS letting businesses expand globally without the complexity of tax, compliance, and localization barriers
Features
- Offers 3-tier product packages
- Custom and enterprise solutions
- PCI-compliant gateway with fraud filters and risk controls
- Analytics and reporting
Pros
- No monthly fees or hardware costs: you only pay per transaction
- All‑in‑one platform for global payments, subscriptions, tax/legal compliance, affiliate marketing, and billing.
- Localized checkout experiences in 200+ countries
Cons
- They may not be flexible enough with integrations
- Reports of unresponsive customer support.
Pricing
- 2Sell tier: 3.5% + $0.35 per transaction
- 2Subscribe: 4.5% + $0.45 per transaction
- 2Monetize: 6.0% + $0.60 per transaction
- Enterprise: custom pricing
Who is it for?
Verifone is for businesses that sell globally, particularly those with subscription models, digital goods, or affiliate channels. Its modular design and compliance handling let you move internationally quickly though you’ll pay a premium.
10. Amazon Pay
Amazon Pay is a payment gateway service provided by Amazon. It allows buyers to pay for your stuff with their Amazon accounts. Amazon Payment Services (APS) is a regional, enterprise-grade payment gateway designed specifically for enterprises in the Middle East and North Africa (MENA) area. It provides seamless integration for online, mobile, and in-person payments, including major credit cards, local methods such as MADA and KNET, Apple Pay, and installment plans, via a single API or payment links. It also has built-in fraud prevention, 3D Secure, and strong back-office facilities including reporting, monitoring, and sandbox testing.
Features
- Payment link: Generate shareable checkout links ideal for invoicing, messaging apps, or social commerce.
- Anti-fraud and security
- Monitoring, dashboards, custom reporting, notification workflows, and API-driven data access.
- Supports multi-currency in settlement and local adaptation across markets
Pros
- Merchants likes the dashboard, payment links, mobile or invoice versatility, and smooth integration
- Strong localization
- Anti fraud features
- Developers can try all core features in a test environment before going live
Cons
- You can only use it on Amazon
- Regional limitations
- Higher fees for low volumes
Pricing
Pricing is based on monthly transaction volume
Who is it for
It is best suited for businesses with high volume transactions. Best suited for MENA region less global coverage compared to Stripe.
Conclusion
International credit card payment processing companies are valuable because they simplify global transactions, support multiple currencies, and enhance security. They help businesses reach new markets, improve customer trust, and ensure compliance with international standards making global growth smoother and more accessible.