SpectrumPayment Solutions
All terms
Payment Methods

Multi-Currency Processing

Accepting payments in more than one currency, letting customers pay in their local currency while you settle in yours. It improves international conversion but adds considerations around pricing, settlement, and cross-border compliance.

Selling globally is easier when customers see familiar prices. Pairing multi-currency acceptance with cross-border compliance and redundancy keeps international growth smooth.

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Related terms

Payments & Settlement

Settlement

The process of moving funds from captured transactions through the networks to the merchant's account, usually in daily batches. Settlement is when a sale actually becomes money you can spend, minus fees and any reserve.

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Payments & Settlement

Payment Redundancy

Running more than one processing path so checkout keeps working if any single one goes down. For high-risk merchants — where a sudden account issue can halt sales — redundancy is the difference between a hiccup and going dark.

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Payment Methods

Card-Not-Present

A transaction where the card is not physically presented — online, over the phone, or in-app. CNP sales carry higher fraud and chargeback risk than in-person sales, which is why they rely on fraud tools like CVV, AVS, and 3-D Secure.

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