PayCly Blog

What Is International Payment Gateway, And How Do They Work?

Do you know what is "International Payment Gateway" and how it works? To run a global business, you must integrate an international payment gateway.

Today, everyone wants to expand their businesses to become a global brand. With recent technology advancements in the fintech space, anyone can buy and import products or services internationally. Along with the big brand name, many small or startup companies are also trying to target international customers.

But, to do this, it is essential for the merchant to have a payment gateway that supports the various currencies. So, merchant should choose the international payment gateway to fulfil their this needs.

Here, we will discuss in detail the "International Payment Gateway." So, let's start with the simple definition of it.

What Is An International Payment Gateway?

Businesses can integrate an international payment gateway into their platform to enable the sending and receiving of payments from anywhere in the world. An international gateway enables multi-currency payments and communicates with many regional languages throughout the globe to ensure smooth transactions.

Direct bank transfers, debit cards, credit cards, and other payment methods are all possible for the transaction because of the international payment gateway. Payment gateways typically combine the features of merchant accounts with global payment processors for transaction authorization.

The payment information from the merchant's page is sent to the bank's server or payment network, and the answer (success or failure) is sent back to the page.

How Does International Payment Gateway Work?

With the help of a payment gateway, you may complete the entire payment process. A customer's payment goes through a number of steps before being completed when they go to your website to pay for their item.

Let's talk about the individuals engaged in a payment gateway before we go into the procedure:

Merchant: The merchant is a company that provides customers with a good or service.

Customer: A customer is a person or organization that wishes to purchase goods or services from a business. They possess cards, too.

Issuing Bank: It is a bank where a consumer has an account. As its name indicate "issuing bank" it issues the debit or credit card to the customer on behalf of the card schemes (Mastercard or Visa).

Acquirer: It is the bank where the merchant has an account. Usually, the acquiring bank transfers transactions made on the merchant's website to the issuing bank.

An online portal or an in-store gateway determines how an international payment gateway functions. A communication channel between the payment processing network and the merchant's website is made possible by the application programming interfaces found in online portals.

A group of computer programs used to query data and return results are called application programming interfaces. Then it transmits commands from one platform to another.

Accept International Payment with PayCly

Once you decide to expand your business at the global level, the first step is to look for an international payment gateway that is compatible with your business. So, to fulfil your needs we recommend going with PayCly for your global businesses.

PayCly is one of the most popular names in the field of payment service providers because it offer convenient, simple, professional, and safe payment solutions to a merchant who wants to expand their business at the global level.

As it deals with high-risk businesses, so security is its top priority. It complies with the PCI DSS Level 1 compliance, so merchants' and customers' sensitive data are completely safe with us.

We serve thousands of merchants across 150+ countries. With us, high-risk businesses increase their reach and revenue. As "PayCly," we offer 100+ payment methods, including credit/debit cards, net banking, mobile payments, e-wallets, cryptocurrencies, etc.

Get in touch through live chat or call to learn more about PayCly to solve all your payment-related issues.

What Documents Required For Your International Businesses Merchant Account?

Once you go with PayCly for your international businesses, the first step is to fill out the online application forms and be ready with all the proper documents. As a merchant, you must submit documents to obtain a high-risk merchant account for your global businesses.

A high-risk merchant account is essential for international businesses. You cannot run your international businesses with a traditional merchant account. With PayCly, the merchant can hassle-free obtain the high-risk merchant account with the following documents.

  • Valid Identity Proof such as Driving Licence or Passport.
  • Copy of Business Licence
  • Certification of Registrations
  • Three or Six Months of Payment Processing

You should also be ready with active websites if you run an online business.

Steps to Activate an International Payment Gateway on PayCly -

Let's have a look at how you can get the international payment gateway or high-risk payment gateway and high-risk merchant account for your global businesses -

  • At, the very first merchant should submit the necessary documents (which we already mentioned above)
  • The PayCly team verifies all the paperwork and checks whether all the charges have been completed.
  • The PayCly team submits all the documents to the suitable banking partner.

Documents verification steps of PayCly -

This verification process includes the following steps -

  • The shipping policy, refund and cancellation policies, privacy policies, and terms and conditions should all be mentioned.
  • Refund and cancellation policy should include the method of payment and the time frame for processing returns.
  • The duration of the store credit must be specified if the payment is made with store credit.
  • If the merchant also ships overseas, it should be stated in the shipping policy.
  • The IE (Import/Export) code, transportation insurance, and delivery partners
  • Check the shared login and password to confirm the transaction flow.

Merchant compliance must be provided if a URL redirection is necessary. In the merchant compliance email, the details of the redirection URL should be made clear to the team responsible for merchant compliance.

Once the financial institute or the acquiring bank approves your high-risk merchant account, the payment gateway services will be activated. Our expert team integrates an international payment gateway into your online websites.

Final Thoughts -

For any global business, it is essential to have an international payment gateway. An International gateway or high-risk gateway is the key to the success of global businesses because it comes with futuristic security tools that help merchant to run their businesses successfully.

We suggest you deal with PayCly as your international payment gateway. You can also get high-risk payment processors and high-risk merchant accounts with a suitable payment gateway.

To know more about PayCly services or finalize the deal, you can contact our expert team directly through mail or live chat.

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