International Trade Finance

The evolution of payment methods is reshaping the way we pay, but how do merchants handle this constant change on a global scale? The past few years have seen an explosion in alternative payment methods (APMs) available to consumers, driven by rapid advancements in technology, growing consumer expectations for seamless experiences, and increased awareness of data privacy. With a myriad of options like digital wallets, cryptocurrencies, and mobile payment apps, consumers now expect the flexibility to choose how they pay. For large merchants, managing such a diverse ecosystem of payment methods can seem overwhelming. However, there are strategies to ensure a smooth integration and management of these options, ultimately providing the best customer experience: Partner with a reliable payment orchestration provider: A well-established payment orchestration platform can handle hundreds of APMs on a global scale, providing merchants with a unified platform for easy management, reduced operational complexity, and region-specific security features. Prioritize popular APMs: Focus on integrating the most widely-used APMs in your target market, while also keeping an eye on emerging trends to stay ahead of the competition. Optimize user experience: Seamless integration of APMs into your existing checkout process is crucial. Design user interfaces that cater to various preferences and devices, ensuring a frictionless payment experience for all customers. Prioritize security and compliance: As you adopt new payment methods, be vigilant about maintaining strict security standards and staying compliant with relevant regulations to protect your business and customers. Stay agile and adaptable: The payments landscape will continue to evolve. Be prepared to iterate on your payment processes and adopt new technologies as they emerge to stay relevant and competitive. By proactively managing the integration of alternative payment methods, large merchants can unlock new opportunities, provide better customer experiences, and stay ahead in the rapidly changing world of commerce. Source Ali Ahmed #payments #fintech #digitalwallets

Alternative Payment Methods (APM's). There was a scramble a few years ago from every PSP and Acquirer to offer as many APM's as they possibly could. PPRO did very well out of this scramble and many platforms still utilise their rails for APM accessibility, alongside 3-4 other enabler players that have entered the market more recently. The big question for me is what are the leading APM's that a PSP or Acquirer really needs to be enabling for a fast growing UK retailer that is opening up their sales channel cross border into Europe in 2024. ______________________ Here is my view as a starting point (there are many more but I'm taking an initial launch focus here).👇 ⦿ Unique local payment methods: Germany - SEPA Direct Debit / giropay / SOFORT Netherlands - Currence iDEAL B.V. Spain - Bizum Poland - BLIK & Przelewy24 Sweden - Swish Switzerland - TWINT ⦿ Local Card Schemes (these can sometimes be co-branded ventures with Mastercard and Visa): It is worth noting that access to local card schemes can also be a limiting factor if your acquirer doesn't offer support for them. Good examples of these are: France - GIE Cartes Bancaires Belgium - Bancontact Denmark - Dankort Check the connectivity of your acquirer in regards to these local schemes. ⦿ BNPL: One of these providers should really be offered in the ever growing and competitive BNPL market if you are a retailer (depending on niche retail sector or B2C vs B2B requirements, EU focus again): Klarna Clearpay (Afterpay) Zilch Mondu ⦿ Other: PayPal - Still very popular in a variety of EU countries, PayPal should still be offered as a payment method for UK retailers looking to sell into Europe. Digital Wallets are just a given in 2024, if you still aren't offering Apple Pay and G Pay, you are falling behind your retail competition, period. Pay by Bank - Is the open banking payment method ready to challenge the legacy APM players in the EU? For me, the answer is currently no. The reason being that I have heard the payment flow is a bit of a mess compared with the slick checkout flows we are moving towards with Pay by Bank in the UK (over a dozen payment flow screens was referenced with one specific EU bank in order to complete a payment!). ______________________ It would be great to hear from my network on other APM requirements that you have encountered in recent times and further recommendations for UK retailers selling cross border to the EU.

Forget one size fits all, local payment methods are the new consumer favorites in markets round the world Local Eats Global, as global card schemes lose ground to local favorites like digital wallets A2A, carrier billing and BNPL in Ecommerce These are some findings from a The 2024 Global Ecommerce Report which analyses data from 37 major markets, highlighting global, regional and country specific trends. Key Findings ▸ Local payment methods will reach 58% of all ecommerce transaction value globally by 2028, reflecting a major shift within the ecommerce payments market. ▸ By 2028, almost 37% of all individuals globally will actively use local payment methods, reflecting massive growth and expansion of the ecommerce market across the world. ▸ Card values will decline to 20% of transaction value by 2028, from 31% in 2023, reflecting a major shift as the ecommerce market expands. ▸ BNPL is steadily growing its share of ecommerce values, from 4% in 2023 to 5% in 2028, reflecting steady progress outside of key, already highly saturated markets, such as Australia, Germany and Sweden. ▸ A2A payments are seeing strong growth, from 8% of ecommerce spend in 2023 to 16% in 2028, a dramatic increase, reflecting major shifts in this market. Why Going Global Needs Local Payment Solutions As someone who knows payments, I'll explain why understanding local preferences matters for success worldwide. Thinking Globally, Acting Locally: ▸ One-size-fits-all no longer works: Countries have very different ways to pay. If you ignore this, you'll lose sales. ▸ Welcome local favorites: Give your customers the payment methods they like. This shows respect for their choices and helps build trust. ▸ Give a variety of payment options: People enjoy choices when shopping online! In some places, folks use several ways to pay. Don't stick to just one. ▸ Make the user experience smooth: Cost might not be the main factor. An easy and familiar way to pay is crucial to get more sales. Keep in mind, a global outlook means changing how you do things in each market. When you cater to local payment likes, you'll open up a whole new world of chances. Source: Boku (Link in comments) #DigitalPayments #Fintech #Payments #Ecommerce #Cards

What do alternative payment methods look like in emerging markets? The high adoption rates signals might just be a hint of how important these payment methods are for ecommerce success. This report takes a look at how local and alternative payment methods are changing in Africa, Asia, and Latin America. Here are my main takeaways: 🔶 In Southeast Asia, digital wallets are super important. In the Philippines, for example, 33% of ecommerce payments are made using eWallets. 🔶 In Africa, mobile money systems like Kenya’s M-Pesa have expanded quickly. It offers a simple way to manage money where banking options are limited. 🔶 Brazil’s Pix system has achieved 87% adoption in just three years. 🔶 In emerging markets with lower internet access like Nigeria, bank transfers are still an important payment method, especially for large transactions. 🔶 Despite the digital shift, cash is still widely used in countries like Egypt and Morocco, where it makes up a large portion of transactions because of economic and infrastructure challenges. 🔶 Mobile money and digital wallets are helping more people in Sub-Saharan Africa access banking services. The growing use of alternative payment methods is simplifying cross-border transactions. This makes it easier for international businesses to enter these markets. #Fintech #Payments #Digital

Emerging Markets Payments Handbook Must Read Guide ... A guide to successfully transacting with local payment methods in Africa, Asia, and Latin America This comprehensive Handbook is curated exclusively for international companies, equipped with the insights and context necessary to expand into high-growth markets. As our global population surpasses 8 billion, with projections soaring to nearly 10 billion by 2050, the opportunities within emerging markets have never been more promising. In 2024, emerging and developing economies are poised to contribute 66.7% to global growth, outpacing their more developed counterparts. Team #dLocal have meticulously examined 12 high-growth markets, empowering readers with the tools they need to unlock the vast potential of emerging economies. Emerging Markets Payments Handbook outlines - 1. Payment products, behaviors, currencies, and preferred payment methods between neighboring countries in emerging economies. 2. The most enquired about country-specific economic and social complexities, and offers insights into the opportunities the future of digital payments will offer businesses and consumers. 3. Touches on all aspects of the payment context in emerging markets including country-specific information that is difficult, or impossible to find elsewhere. 4. Gain a deep understanding of alternative payment methods such as eWallets, real-time payments, and mobile money, enabling you to stay ahead of the curve and adapt to changing consumer preferences. 5. Explore payment trends and behaviors across Africa, Asia, and Latin America, accompanied by essential statistics and projections to inform strategic decision-making and expaynsion efforts. Bottomline - However, emerging markets are extremely fragmented and over 50% of transactions are cash-based, while 80% are done via payment methods other than credit cards - those challenges, combined with regulatory hurdles can prove very daunting without considering a payments platform specializing in those markets. The report covers the complex landscape of preferred payment methods, behaviors, and currencies in high-growth economies throughout Africa, Asia, and Latin America. Source - dLocal

𝟰 𝗠𝗮𝗶𝗻 𝗖𝗿𝗼𝘀𝘀-𝗯𝗼𝗿𝗱𝗲𝗿 𝗽𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗺𝗼𝗱𝗲𝗹𝘀 - 𝗽𝗼𝘄𝗲𝗿 𝗲𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗳𝗿𝗼𝗺 𝗴𝗹𝗼𝗯𝗮𝗹 𝘁𝗿𝗮𝗱𝗲 𝘁𝗼 𝘁𝗼𝘂𝗿𝗶𝘀𝗺 𝗮𝗻𝗱 𝗿𝗲𝗺𝗶𝘁𝘁𝗮𝗻𝗰𝗲𝘀. Behind a simple “Send → Receive” button are very different infrastructures, each with its own cost, speed, compliance requirements, and user experience. Here are the 4 main models used globally today — and why they matter. 1️⃣ 𝗖𝗼𝗿𝗿𝗲𝘀𝗽𝗼𝗻𝗱𝗲𝗻𝘁 𝗕𝗮𝗻𝗸𝗶𝗻𝗴 (𝗦𝗪𝗜𝗙𝗧-𝗲𝗿𝗮 𝗿𝗮𝗶𝗹𝘀) The traditional backbone of international transfers. Banks rely on a chain of intermediaries holding accounts with each other. 𝗣𝗿𝗼𝘀: ✔️ Global coverage ✔️ Works across any two banks 𝗖𝗼𝗻𝘀: ❌ Slow (1–3 days) ❌ Expensive fees ❌ Opaque tracking ❌ Dependent on multiple middlemen This is still the default model for corporates and legacy institutions. 2️⃣ 𝗠𝗼𝗻𝗲𝘆 𝗧𝗿𝗮𝗻𝘀𝗺𝗶𝘁𝘁𝗲𝗿𝘀 (𝗪𝗲𝘀𝘁𝗲𝗿𝗻 𝗨𝗻𝗶𝗼𝗻, 𝗠𝗼𝗻𝗲𝘆𝗚𝗿𝗮𝗺) Instead of moving money across borders, they use local prefunding/pooling, paying out from balances already held in the destination country. 𝗛𝗼𝘄 𝗶𝘁 𝘄𝗼𝗿𝗸𝘀: Collect money locally at agent→ Message the partner abroad → Payout using prefunded local liquidity 𝗣𝗿𝗼𝘀: Fast, predictable, lower cost 𝗖𝗼𝗻𝘀: Requires large prefunding + liquidity risk management This is how Wise, Revolut, and many remittance apps scaled. 3️⃣ 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗔𝗴𝗴𝗿𝗲𝗴𝗮𝘁𝗼𝗿𝘀 (𝗪𝗶𝘀𝗲) 𝗔𝗴𝗴𝗿𝗲𝗴𝗮𝘁𝗼𝗿𝘀 𝗰𝗼𝗺𝗯𝗶𝗻𝗲: - Local bank accounts (multi-currency) - FX engines - Treasury & hedging - Local payout rails They operate more like global money routers, plugging into dozens of local clearing systems. 𝗣𝗿𝗼𝘀: ✔️ Efficient FX ✔️ Instant local payouts ✔️ Unified global API ✔️ Transparent fees 𝗖𝗼𝗻𝘀: Complex tech integrations Depend on banking rails FX and treasury risk Heavy compliance burden This is the blueprint for modern fintech payment companies. 4️⃣ 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻-𝗕𝗮𝘀𝗲𝗱 𝗖𝗿𝗼𝘀𝘀-𝗕𝗼𝗿𝗱𝗲𝗿 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 The newest model — and the fastest-growing. Instead of messaging across banks or prefunding multiple accounts, stablecoins allow: - Instant on-chain settlement, 24/7 - Global interoperability - No correspondent chains Flow: USD → On-chain USD (USDT/USDC) → FX conversion → Local payout 𝗣𝗿𝗼𝘀: ✔️ Near-instant settlement ✔️ Low cost ✔️ Global reach ✔️ Programmable (smart contracts) ✔️ Ideal for SMEs, remittances, tourism, crypto-native users 𝗖𝗼𝗻𝘀: ⚠️ Regulatory variations ⚠️ On/off-ramp dependency But adoption is accelerating fast — especially in APAC, LATAM, and Africa. 𝙏𝙝𝙚 𝘽𝙞𝙜𝙜𝙚𝙧 𝙋𝙞𝙘𝙩𝙪𝙧𝙚: Cross-border payments are moving from: slow, bank-led, message-based systems → fast, programmable, interoperable settlement networks. Stablecoins aren’t replacing banks — they’re reshaping where banks add value: treasury, compliance, FX, liquidity, credit — instead of running the rails. Inspired by Matt Brown #crossborder #payments #digitalpayment #fintech #stablecoins #FX

⚙️ 𝗛𝗢𝗪 𝗠𝗢𝗡𝗘𝗬 𝗔𝗖𝗧𝗨𝗔𝗟𝗟𝗬 𝗠𝗢𝗩𝗘𝗦: 𝟲 𝗣𝗔𝗬𝗠𝗘𝗡𝗧 𝗥𝗔𝗜𝗟𝗦 𝗖𝗢𝗠𝗣𝗔𝗥𝗘𝗗 From the outside, payments look simple. You tap a card, send a transfer, or pay with a wallet — and the money just moves. But behind the scenes, the global financial system runs on very different payment rails, each built for a specific use case. Here are six of the most important ones 👇 🌍 𝗦𝗪𝗜𝗙𝗧 Cross-border corporate transfers via correspondent banks. ⏱ 1–5 days | 💰 High fees | Global B2B standard. 💶 𝗦𝗘𝗣𝗔 Unified euro payments infrastructure. ⏱ 1 day or instant with SEPA Instant. 💳 𝗖𝗔𝗥𝗗 𝗦𝗖𝗛𝗘𝗠𝗘𝗦 (𝗩𝗶𝘀𝗮 / 𝗠𝗮𝘀𝘁𝗲𝗿𝗰𝗮𝗿𝗱) Authorization in milliseconds, but settlement in T+1–2 days. The backbone of POS & e-commerce. ⚡ 𝗥𝗧𝗣 / 𝗜𝗡𝗦𝗧𝗔𝗡𝗧 𝗣𝗔𝗬𝗠𝗘𝗡𝗧𝗦 (FedNow, UPI, Faster Payments) Domestic transfers in seconds, 24/7/365. 📱 𝗪𝗔𝗟𝗟𝗘𝗧𝗦 & 𝗔𝗟𝗧𝗘𝗥𝗡𝗔𝗧𝗜𝗩𝗘 𝗥𝗔𝗜𝗟𝗦 (PayPal, Apple Pay, M-Pesa) Abstract traditional rails behind a simplified user experience. ⛓ 𝗖𝗥𝗬𝗣𝗧𝗢 / 𝗕𝗟𝗢𝗖𝗞𝗖𝗛𝗔𝗜𝗡 Peer-to-peer transfers without intermediary banks. Settlement depends on the chain and network load. 📊 𝗥𝗘𝗔𝗟𝗜𝗧𝗬 There is no universal rail. Modern banks operate across multiple payment ecosystems at the same time — and the real challenge today is making all of them work together seamlessly.

𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐌𝐞𝐭𝐡𝐨𝐝 𝐆𝐮𝐢𝐝𝐞 (𝐀𝐏𝐌) — by Travel & Payments 👇 𝐂𝐚𝐫𝐝𝐬 𝐯𝐬. 𝐀𝐥𝐭𝐞𝐫𝐧𝐚𝐭𝐢𝐯𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐌𝐞𝐭𝐡𝐨𝐝𝐬 (𝐀𝐏𝐌𝐬) Globally, payment methods are evolving beyond plastic. Card networks still dominate many markets, but Alternative Payment Methods (#APMs) — like real-time payments, e-wallets, & carrier billing — are surging in popularity. Each method offers different experiences based on geography, infrastructure, user behavior, and regulatory preferences. — 𝐂𝐚𝐫𝐝𝐬 — The Traditional Backbone 1️⃣ 𝐂𝐫𝐞𝐝𝐢𝐭 𝐂𝐚𝐫𝐝𝐬 Pay Later in Full or Partial — Powered by networks like Visa, Mastercard, and American Express Examples: Chase Sapphire, Citi Rewards, Capital One Venture 2️⃣ 𝐃𝐞𝐛𝐢𝐭 𝐂𝐚𝐫𝐝𝐬 Pay Now — Directly debited from linked accounts Examples: SBI Card Debit, Barclays, Visa Debit 3️⃣ 𝐏𝐫𝐞𝐩𝐚𝐢𝐝 𝐂𝐚𝐫𝐝𝐬 Pay Before — Preloaded cards for spending control Examples: GCash Mastercard, PayPal Prepaid 4️⃣ 𝐂𝐡𝐚𝐫𝐠𝐞 𝐂𝐚𝐫𝐝𝐬 Pay Later in Full (monthly balance due) Examples: American Express Green, Diners Club International — 𝐀𝐏𝐌𝐬 — The Rise of Localized Innovation 1️⃣ 𝐁𝐚𝐧𝐤 𝐓𝐫𝐚𝐧𝐬𝐟𝐞𝐫𝐬 (incl. RTP) Examples: 𝐅𝐞𝐝𝐍𝐨𝐰 (US), 𝐒𝐄𝐏𝐀 (EU), 𝐔𝐏𝐈 (India), 𝐏𝐈𝐗 (Brazil) 2️⃣ 𝐄-𝐖𝐚𝐥𝐥𝐞𝐭𝐬 Store digital credentials for quick checkout Examples: Apple Pay, Google Pay, PayPal, Paytm, Venmo 3️⃣ 𝐂𝐚𝐫𝐫𝐢𝐞𝐫 𝐁𝐢𝐥𝐥𝐢𝐧𝐠 Enables digital purchases via mobile operator Examples: airtel, Boku 4️⃣ 𝐂𝐚𝐬𝐡 𝐕𝐨𝐮𝐜𝐡𝐞𝐫𝐬 Prepaid cash-based systems used in LATAM & Africa Examples: 𝐁𝐨𝐥𝐞𝐭𝐨 (Brazil), OXXO (Mexico) 5️⃣ 𝐌-𝐖𝐚𝐥𝐥𝐞𝐭𝐬 / 𝐌𝐨𝐛𝐢𝐥𝐞 𝐌𝐨𝐧𝐞𝐲 Designed for mobile-first, cash-reliant economies Examples: M-PESA Africa, GrabPay, Paytm — 𝐆𝐥𝐨𝐛𝐚𝐥 𝐀𝐝𝐨𝐩𝐭𝐢𝐨𝐧 — 𝐓𝐨𝐩 𝟑 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐌𝐞𝐭𝐡𝐨𝐝𝐬 𝐛𝐲 𝐑𝐞𝐠𝐢𝐨𝐧 🔹 𝐍𝐨𝐫𝐭𝐡 𝐀𝐦𝐞𝐫𝐢𝐜𝐚: Credit & Debit Cards Digital Wallets (Apple Pay, PayPal) Buy Now Pay Later (Affirm, Klarna) 🔹 𝐄𝐮𝐫𝐨𝐩𝐞: Bank Transfers (SEPA) Credit & Debit Cards E-wallets (PayPal, Klarna, 𝐢𝐃𝐄𝐀𝐋 in Netherlands) 🔹 LATAM: Cash Vouchers (Boleto, OXXO) Cards (especially local scheme cards) E-wallets (Mercado Pago, PicPay ,Yape) RTP (Pix) 🔹 APAC: QR Code & Mobile Wallets (Alipay, WeChat Pay) Bank Transfers (UPI, Promtpay) Cards (especially in Japan, South Korea) 🔹 MENA: Cash on Delivery (still prevalent) Cards Mobile wallets (STC Pay, M-PESA Africa, Fawry in Egypt) — 𝐂𝐨𝐧𝐜𝐥𝐮𝐬𝐢𝐨𝐧 The payment landscape is no longer “card-first” — it’s becoming experience-first. The future lies in blended infrastructure: supporting traditional rails & local preferences like e-wallets, RTP, and tokenized credentials. — 𝐍𝐞𝐱𝐭 𝐔𝐩 -- 𝐓𝐡𝐞 𝐂𝐚𝐫𝐝 𝐓𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧 𝐅𝐥𝐨𝐰 𝐚𝐧𝐝 𝐅𝐞𝐞𝐬 Source: Travel & Payments ► Sign up to 𝐓𝐡𝐞 𝐏𝐚𝐲𝐦𝐞𝐧𝐭𝐬 𝐁𝐫𝐞𝐰𝐬 ☕: https://lnkd.in/g5cDhnjC ► Connecting the dots in payments... and Marcel van Oost

Do You Know Which LC Is Best in Export-Import Business? If you’re an exporter or importer, you must understand Letter of Credit (LC) – one of the most secure payment methods in international trade. An LC is a guarantee from the buyer’s bank that payment will be made to the exporter once certain conditions are met. But do you know how many types of LCs are there and which one is best? Let’s understand the main types of LC: Revocable LC This LC can be changed or cancelled by the buyer or buyer’s bank without informing the exporter. Not safe at all for exporters. Irrevocable LC This LC cannot be changed or cancelled without the agreement of all parties. Much safer than revocable LC. LC at Sight Under this LC, the exporter receives payment immediately after submitting documents and after verification by the bank. Best for those who need quick payment. Usance LC (Deferred Payment LC) Payment is made after a fixed credit period like 30, 60, or 90 days. Suitable when buyer needs time to sell goods. Confirmed LC In this LC, a second bank (usually in exporter’s country) also guarantees payment. Extra security but comes with additional charges. Back-to-Back LC Used in cases where the exporter is a middleman and needs to open an LC for their supplier using the buyer’s LC as security. Transferable LC Useful when the exporter wants to transfer part or all of the payment to another party, like a supplier or subcontractor. Best LC for Exporters? Irrevocable LC at Sight – because it offers maximum security and fast payment once the documents are submitted. A smart exporter always chooses the safest payment method. Don’t take risks with unknown buyers. Use the right LC and protect your busi

𝗪𝗵𝘆 𝗟𝗼𝗰𝗮𝗹 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗠𝗲𝘁𝗵𝗼𝗱𝘀 𝗪𝗶𝗻 🌏 It's common, a locally successful company launches in a new market with all the right ingredients. Localized product, translated website, tailored marketing, but they forget one critical thing: 𝙄𝙣 𝙢𝙖𝙣𝙮 𝙥𝙖𝙧𝙩𝙨 𝙤𝙛 𝙩𝙝𝙚 𝙬𝙤𝙧𝙡𝙙, 𝙘𝙖𝙧𝙙𝙨 𝙖𝙧𝙚 𝙩𝙝𝙚 𝙛𝙖𝙡𝙡𝙗𝙖𝙘𝙠, 𝙣𝙤𝙩 𝙩𝙝𝙚 𝙙𝙚𝙛𝙖𝙪𝙡𝙩 Bringing a U.S. checkout to a non-U.S. market can kill expansion faster than most other problems. Let's look at why 👇 ___ 𝗔𝗣𝗠'𝘀 → In Brazil, over 50% of all eComm purchases use either Pix or Boleto → In the Netherlands, iDEAL accounts for more than 70% of online purchases → In India, UPI hit 14 billion transactions in May 2024 alone 🔹But when U.S. merchants expand into these markets, they often only bring cards to the table, then wonder why conversion tanks 𝗧𝗵𝗲 𝗣𝗿𝗼𝗯𝗹𝗲𝗺: 𝗧𝗿𝘂𝘀𝘁 𝗮𝗻𝗱 𝗔𝗰𝗰𝗲𝘀𝘀 🔹In many countries, cards aren’t well trusted or even available → In LatAm, fewer than 30% of consumers have credit cards → In Africa & Southeast Asia, most digital payments are made via wallets → Even when cards exist, foreign BINs often face higher decline rates + fees 𝗧𝗵𝗲 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻 🔹With the recent rise of orchestration platforms and MOR providers, merchants don’t need to integrate every payment method individually. A few key players now offer: → Pre-built local integrations → Dynamic checkout routing → Reconciliation tools for non-card rails → Dodo Payments, for example, supports: ▪️End-to-end local acquiring across over 50 markets ▪️LPM enablement, including Pix, UPI, iDEAL, and more ▪️Global tax, FX, and compliance management built direct to checkout 🔹Using a MOR can quickly unlock local payments to global merchants, accelerating time to revenue in a new market 𝗪𝗵𝘆 𝗟𝗼𝗰𝗮𝗹 𝗣𝗮𝘆𝗺𝗲𝗻𝘁𝘀 𝗪𝗼𝗿𝗸 ✔️ 𝗧𝗿𝘂𝘀𝘁 𝘄𝗶𝗻𝘀 → Consumers are more likely to complete checkout using familiar, local rails ✔️ 𝗥𝗲𝗮𝗰𝗵 𝗲𝘅𝗽𝗮𝗻𝗱𝘀 → You serve underbanked and cash-preferred populations ✔️ 𝗙𝗲𝗲𝘀 𝗱𝗿𝗼𝗽 → Many LPMs bypass interchange entirely, especially with account-to-account transfers ✔️ 𝗔𝗽𝗽𝗿𝗼𝘃𝗮𝗹 𝗿𝗮𝘁𝗲𝘀 𝗿𝗶𝘀𝗲 → Domestic methods avoid card decline logic and foreign issuer suspicion ___ 𝗧𝗵𝗲 𝗕𝗼𝘁𝘁𝗼𝗺 𝗟𝗶𝗻𝗲 📌 Expanding globally means thinking locally at checkout. Global conversion isn’t about more traffic. It’s about offering the right ways to pay. Source: Pix, UPI Annual Report, iDEAL Annual Report 🔔 Follow Jason Heister for daily #Fintech and #Payments guides, technical breakdowns, and industry insights.