★★★★★ Trustpilot 4.4|150+ currencies processed

Multi currency payment gateway, 150+ currencies, settle in 25+

A multi currency payment gateway from eCom Pay processes payments in 150+ currencies with settlement in 25+, all on one account with one clean settlement. Customers pay in the currency they think in, your reconciliation stays simple, and 15 in-house specialists set the whole thing up around how you actually sell.

In brief 150+ currencies processedSettlement in 25+One accountNext working day settlement

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Answer a few quick questions for an instant pre-approval indication. No obligation, under 60 seconds.

Pre-approval progress 14%
How do you take payments?
Do you currently take card payments?
What is your industry?
How long have you been trading?
How is your business set up?
Estimated monthly card volume?
Strong match

Based on your answers you are a strong pre-approval match. Confirm a few details and we will finalise your application.

A real person reviews every application, and we never share your data.

24 hrs

approval, once documents are in

150+

currencies processed

4.4

Trustpilot rating

2010

processing payments since

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On this page Why it matters · What is included · How it works · In depth · FAQs

Why it matters

Why the checkout currency decides the sale

International customers are not lost at the product page. They are lost at a checkout that suddenly switches to a currency they have to convert in their head. A multi currency payment gateway removes that moment entirely.

Check your approval odds

Customers buy in the currency they think in

A price in a foreign currency is a small maths problem, and every small problem at checkout costs sales. Showing and charging the customer in their own currency removes the hesitation, the surprise on their statement and the dispute that sometimes follows it.

Conversion surprises breed disputes

When the amount charged does not match the amount the customer expected, some of them dispute it. Charging in the currency the customer saw at checkout means the statement matches the decision, which quietly removes a whole category of chargebacks.

Reconciliation should not need a spreadsheet

Selling internationally through workarounds usually means multiple providers, mismatched reports and hours of manual reconciliation. One account processing 150+ currencies with settlement in 25+ turns that back into one report and one number.

What to check in any multi-currency offer The eCom Pay answer
Currencies processed 150+ currencies, so nearly every customer pays in their own
Settlement currencies Settlement in 25+, matched to where your business actually banks
Accounts needed One account and one settlement, however many currencies you sell in
Settlement timing Next working day, whatever the currency
Setup Configured by 15 in-house specialists around how you sell, no setup fee to apply
Support A UK team on 0345 548 0072, around the clock
What is included

International payments on one clean account

Everything an international checkout needs, switched on around one account, one integration and one settlement.

Price in the customer’s currency

Display and charge in the currency your customer thinks in, across 150+ processed currencies. The price they see is the price they pay, and the statement matches both.

Settle where you bank

Choose your settlement currencies from 25+, matched to where the business holds its accounts, so takings arrive as money you can use rather than a conversion problem.

One settlement, one report

Every currency flows into one account with one settlement and one clean report, so international revenue reconciles in minutes rather than a spreadsheet session.

Works across every channel

Multi-currency runs through the gateway, Pay by Link, the virtual terminal and recurring billing alike, so a phone order in euros and a subscription in dollars live on the same account.

Cross-border risk, tuned

Fraud screening tuned to international patterns approves genuine overseas customers instead of blanket-declining anything unfamiliar, protecting the exact revenue you went international for.

Set up by specialists

15 in-house specialists configure currencies, settlement and reporting around how you actually sell, and your personal account manager adjusts it as new markets open up.

How it works

Going international in four steps

  • Tell us where you sellyour markets, your currencies and your volumes. No judgement, no obligation
  • Application processed properlyexperienced underwriters process your application with international trade priced in, approved in 24 hours once your documents are in
  • Currencies configuredprocessing currencies and settlement currencies set up around your markets by our in-house specialists
  • Live worldwidecustomers pay in their own currency, you settle in yours, money landing the next working day
Start your application
International order review
Charged €89.00 EUR
Customer currency matched ✓
Settlement currency GBP
Settlement next working day ✓
Status reconciled
GatewayPay by LinkVirtual terminalRecurring
Rated 4.4 on Trustpilot

What our merchants say

Fair. So here is what UK merchants say after switching to eCom Pay, in their own words.

★★★★★

No hidden fees, best so far

It was such a pleasure working with eCom Pay for my company, very straightforward to set up and the team were so helpful. No hidden fees, cost efficient, and from using other platforms before I can say this has been the best so far.

Verified merchantvia Trustpilot

★★★★★

Simpler than the big names

We found eCom Pay to be a simple, efficient payment system to integrate, with a lot of support behind it. Would recommend them over competitors who charge far too much.

Verified merchantvia Trustpilot

★★★★★

Set up fast, better rates

Great customer service from eCom Pay. Needed a card reader for my business, they had me set up fast and gave me better rates than the last company. Highly recommend.

Verified merchantvia Trustpilot

★★★★★

Sales noticeably improved

Super impressed with eCom Pay. The transaction fees are competitive, and I love that my customers have multiple payment options, which has noticeably improved my sales.

Verified merchantvia Trustpilot

★★★★★

Transparent, reliable, efficient

Good service from eCom Pay. The card machines are reliable and easy to use. I like that there are no hidden fees and everything is explained upfront.

Verified merchantvia Trustpilot

★★★★★

Always answers when I need help

Would highly recommend. Easy, simple, and always answers when I need help. The best payment gateway I have come across, with a wide variety of packages available.

Verified merchantvia Trustpilot

Built for businesses selling into

EuropeNorth AmericaThe Middle EastAsia PacificWorldwide marketplacesCross-border subscriptions
In depth

Rolling out international pricing properly

Multi-currency works best introduced deliberately. This is the rollout we walk merchants through, market by market.

01

Start with the markets you already have

Your analytics already show where international visitors come from and where they abandon. The first currencies to switch on are the ones your customers are already trying to pay in.

02

Match settlement to your banking

Settlement currencies are chosen from 25+ to match where the business banks and pays its own suppliers, so international revenue arrives ready to use instead of ready to convert.

03

Tune the risk rules per market

Each new market brings its own payment patterns. Screening is tuned as markets switch on, so genuine customers in a new region are welcomed rather than treated as anomalies.

04

Review as markets grow

Your personal account manager reviews currencies, volumes and rates as international sales build, adding markets and adjusting settlement as the map of your business changes.

Selling internationally in a specialist sector? The same multi-currency setup runs through every page in high risk payment solutions.

FAQs

Multi-currency payments, straight answers

What is a multi currency payment gateway?

A payment gateway that lets customers pay in their own currency while you settle in yours. With eCom Pay that means processing in 150+ currencies and settlement in 25+, all on one account with one report, so international sales stop needing workarounds.

How many currencies can I accept?

Payments process in 150+ currencies, which covers nearly every customer a UK business is likely to meet. Settlement runs in 25+ currencies, chosen to match where your business actually banks.

Do I need separate accounts for each currency?

No. Every currency flows through one eCom Pay account with one settlement and one clean report. That is most of the point, international revenue without international admin.

Which currency does the customer see at checkout?

Their own. Displaying and charging in the currency the customer thinks in is what lifts international conversion, and it means their card statement matches the price they agreed to, which quietly prevents a whole category of disputes.

How fast do international payments settle?

The next working day, the same as domestic card takings. Currency does not slow your settlement down.

Does multi-currency work with Pay by Link and the virtual terminal?

Yes. The gateway, Pay by Link, the virtual terminal and recurring billing all share the same multi-currency capability, so a phone order in euros, an emailed payment link in dollars and a domestic web sale all land on the same account.

Will accepting international cards increase my fraud risk?

It changes the pattern rather than simply increasing the risk, and the screening changes with it. Risk rules are tuned per market as you switch currencies on, so genuine international customers are approved while the actual fraud gets caught.

How do I get set up for multi-currency payments?

Apply once and tell us where you sell. Experienced underwriters process your application with international trade priced in, approved in 24 hours once your documents are in, and our in-house specialists configure your currencies and settlement from day one.

Written by the eCom Pay team. Reviewed August 2026. Last updated August 2026.

Sell to the world, reconcile like it was one shop

Processing in 150+ currencies, settlement in 25+, one account and one report, approved in 24 hours once your documents are in.

See every capability on the features hub, or explore online payment solutions.

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