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How to choose the right online payment solution?

Temps de lecture : 5 minutes
To sell internationally, it's not enough to have a well-translated e-commerce site. You also need the right online payment solution. That's what guarantees fast checkout, controlled costs and a seamless experience for customers. Here's what you need to know to make the right choice.
Sommaire
- What is an international online payment solution?
- Why choose an international online payment solution?
- What are the main international online payment solutions?
- Comparison of the best solutions for professionals
- How do you choose the right payment solution?
- How does Heropay facilitate your international payments?
What is an international online payment solution?
An international online payment solution is a service that allows you to receive payments foreign customers through various channels: banking card , transfer or electronic wallet .
These solutions often offer automatic conversion to local currency and IBAN multi-devises and a centralized monitoring cash receipts.
They play a crucial role in the international expansion of a company, by making it easier to collect while limiting foreign exchange losses .
Some platforms even offer real exchange rates with no additional commission, a real bonus for the margin.
Why choose an international online payment solution?
When selling abroad, a traditional payment solution is not enough. You need a solution designed for the commerce international capable of manage multiple currencies of reduce costs and adapt to local preferences .
Cash in several currencies without loss
Offering payment in the customer's currency improves conversion and prevents shopping cart abandonment .
It also makes it possible to limit exposure to currency risk . By 2023, more than 7 out of 10 consumers prefer to pay in their own currency according to Statesman .
Reduce conversion costs and commissions
Bank commissions and exchange rate margins may be subject to change. nibble up to 3% of the sale price .
A good payment solution allows you to reduce these costs or even eliminate them via interbank exchange rates without margin.
Offer a localized payment experience
International consumers have their own payment habits. In Germany, credit transfers are preferred to cards.
In China, wallets like Alipay dominate. An adapted solution proposes the right means for each country which improves conversion rate .
Improve management speed and efficiency
With a well-thought-out international solution faster collections the automated bank reconciliations and centralized financial flows . A real time-saver for teams, and a more efficient better view of cash flow .
What are the main international online payment solutions?
To sell online internationally, companies can choose between several types of solutions classic gateways (cards, credit transfers), and e-wallets as PayPal CMS-integrated modules such as Shopify Payments as well as platforms all-in-one like Heropay.
Each has its advantages, depending on the sales volume of the targeted geographical area and the desired integration .
Comparison of the best solutions for professionals
For companies selling internationally, the choice of payment solution has a direct impact on the customer conversion the cash management and the rentabilité . Here's a comparison of the main platforms used by professionals.
Solution | IBAN multi-devises | Real exchange rate | Conversion charges | Accounting integration | Main highlights |
---|---|---|---|---|---|
Heropay | ✅ Or | ✅ Yes (Visa rate) | ❌ 0 % | ✅ API & CSV exports | Multi-currency IBANs, Visa pro, no margin |
Stripe | ❌ Not | ❌ Not | ✅ 1-3 % | ✅ API | Very widespread, easy to integrate |
Checkout.com | ❌ Not | ❌ Not | ✅ 1-3 % | ✅ API | Ultra-customizable for large volumes |
PayPal Business | ❌ Not | ❌ Not | ✅ 2-4 % | ❌ Manuel | High adoption rate, but costly |
Adyen | ❌ Not | ✅ Partially | ✅ 1-2 % | ✅ Advanced API | Used by major retailers |
Worldline | ❌ Not | ❌ Not | ✅ 1-3 % | ✅ ERP integration | A strong presence in Europe |
How do you choose the right payment solution?
Before choosing a solution, it's crucial to assess your international needs and compare the services on offer in a number of concrete areas.
Geographic coverage and currencies supported
The first question to ask is that of the coverage area Does your service provider accept payments from your target countries?
Some solutions support over 100 currencies others are limited to the euro, the dollar and a few major currencies.
Fees (exchange, transfer, withdrawal)
Fees are the most differentiating criterion between service providers. You need to consider :
The margin applied to the exchange rate
Withdrawal and return fees
Commissions per transaction
A difference of 1 to 2% on the rate can represent thousands of euros loss over one year for an exporting SME.
Payment and repayment deadlines
A good service provider should enable you to receive your payments quickly. Some providers impose a 3 to 7 working days others offer instant or D+1 payout .
Accounting integration and security
Check that the solution fits in well with your accounting tool or ERP to avoid manual re-entries.
You should also ensure that the service provider complies with safety standards such as PCI DSS and proposes la double authentification a data encryption and a multi-user management access if required.
How does Heropay facilitate your international payments?
Heropay has been designed to enable companies to centralize and secure their international collections, while at the same time reducing costs .
You benefit from IBANs multi-devises (EUR, USD, GBP...) to invoice your customers in their local currency and avoid exchange losses. Visit Visa pro cards accounts allow you to pay in foreign currency without any hidden charges, taking advantage of the real market rate without mark-up .
All your operations are controlled from a single clear dashboard with a consolidated view of incoming and outgoing flows by currency. The result: you control your margins and gain peace of mind when managing your international payments.
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