International Payments

City - Columbus Circle - Vanilla.jpg

Today’s global marketplace offers many opportunities for savvy companies willing to reach outside of their domestic region. You may want to move into new markets, but the complex requirements and barriers to entry prevent you from growing at your intended pace.
Whether you’re a bank in Europe wanting to expand into Asia-Pacific or a payment service provider setting up in a single country, RPY Innovations has the experience and contacts to facilitate the necessary discussions and guide you through the regulations and requirements.  
Read on to see how RPY Innovations can address your international expansion objectives. 

Get Help With the Payment Institution Licensing Process

Payment Institution licenses are issued in Europe by each country’s Financial Services Authorities for acquiring and issuing companies. Getting your company ready to pass licensing by the FSA is a complex process, especially if this is your first time moving into international payments. RPY Innovations prepares you for this process by working with you to meet the necessary requirements in these key areas:

  • Organizational structure

  • Risk management procedures

  • Money laundering controls and management policies

  • Capabilities

  • Reputation

Payment Institution Licenses

As a retailer, you know contracting with a domestic acquirer or PSP gets you lower interchange rates and high approval percentages.  Finding these connections is difficult when you don’t have existing contacts in a particular region, or you’re unable to find the ones that meet your payment requirements.  RPY Innovations will help you find the acquirers with the right payment types and currencies to fit into your business plans.

International Merchant Accounts

Get the Foreign Exchange Technologies Required to Manage Multiple and Specific Local Currencies

Are you able to work with receivables in multiple currencies or keep up with the current exchange rates?  RPY Innovations will help you find a foreign exchange technology to help you manage multiple or specific local currencies.  You no longer need to worry about currency fluctuation throughout the life cycle of the transaction because we can introduce firms that deliver daily exchange rate pairs.  You can keep your accounting system in one domestic currency while meeting your customer’s purchasing requirements. 

FX Technologies

Traditional credit and debit cards are used predominantly in the United States and United Kingdom, but consumers in other countries have their own local preferences.  You’ll limit your sales in these countries if you don’t accept commonly-used payment types.  RPY Innovations will identify the payment types that give you the country presence you need, then connect you to the organizations handling these payment types on a local, regional and international level.  You can focus on other logistical concerns associated with going global – we have you covered on the payments front. Text

Alternative Payments

RPY’s Services

RPY Innovations offers a full range of services as stand-alone offerings or to help you manage your project.  Some of the ways in which we have helped clients include financial analysis, assistance with regulators, RFP management, training, gap analyses, policy development, strategic planning, and project management.  Read on to learn how our hands-on approach can help you. 



Compliance is hard enough when you’re dealing with governmental and industry regulations that you have worked with for years.  When you become a payment facilitator, or are considering the ramifications of being a money transmitter, or move into global payment acceptance, things get even more complex.  Can you comfortably answer your Acquirer’s Regulatory Compliance/Anti-Money Laundering (AML) questionnaire?  A compliance program is more than approval of a concept.  It is the everyday management of policies, procedures, and internal controls.  

RPY Innovations has the expertise to assist you – from writing your policies to implementing them to streamlining your practices. Let us review your policies and procedures for compliance to make sure you are auditable and managing your risk to the lowest level possible.


If your project requires a merchant pricing analysis, or you need an interchange analysis, we can develop a spreadsheet that delivers the information you need to make decisions.  Perhaps you require a partner analysis for vendor selection.  We can untangle the variances in proposals so that you have a true picture of which solution provides the best financial return. A product gap analysis?  We can do that! 


Expanding into a country without doing advance research can turn a project into a quagmire of unforeseen difficulties. Our customized country report will outline the regulatory and compliance requirements and help you navigate the details of entering a new market before spending expensive technical and business development resources.

RPY Innovations has the project management capability you need to get your strategic plan off the ground. We will work alongside your internal and external teams and manage the project plan with secured online tools.  To facilitate communication and keep the project on track we will liaison with key personnel throughout organization and insure management is able to execute the deliverables.

Project Management

It is crucial to meet your Acquirers and the Card Brands program standards requirements and all country-specific laws and regulations.  We can review your organization’s ability to anticipate and safeguard against internal and external risk in your portfolio.  RPY Innovations will help you develop and implement all necessary policies and insure you are prepared for compliance audits.  

Policy & Audit Preparation

You want your organization to have the skills and knowledge in place to support your growth plans.  RPY Innovations offers education to all levels of your organization and in a variety of formats, from executive roundtable discussions to new employee training.  We can customize training for both general industry topics and client or project-specific areas.  Here are some of the modules available:

  • Underwriting and Risk

  • Compliance and Regulations

  • Payments 101

  • Customer Service

  • International Currency Management

  • Operational Workflow

  • Payment Facilitation

  • Exceptions Handling

  • Solution Selling