Payment Solutions for Acquirers and PSPs

At Shift4, we empower merchant acquirers with cutting-edge technology, enabling them to elevate their payment solutions for both retail and hospitality businesses. Ultimately, this enhances the overall shopping experience for customers.
You’ll get DCC, multi-currency pricing, and omnichannel processing for acquirers, PSPs, and financial institutions. 

Enhancing the Payment Experience for Shoppers and Travellers

With Shift4 Enterprise, you’ll access currency exchange and payment solutions that enhance the payment experience for shoppers and travellers. In practice, this can be applied to many different situations.

International tourists paying in their home currency

Instead of worrying about getting local currency, tourists can pay with their own home currency with Visa, Mastercard, and other cards. Whether they’re travelling from Japan, Italy, or Mexico, they’ll always be able to pay how they like without needing to contact their bank or financial institution.

Airport and travel-retail environments

If you operate a business in an airport or are travel-adjacent, there’s a chance you’ve got a high currency-mix transaction volume. With Shift4, you’ll make international card payments easier for your potential customers.

Hotel and hospitality cross-border settlement

International guests build up charges across a stay, which all land on one folio at check-out. With Shift4, that final bill can be presented and settled in the guest's home currency, so there's no surprise exchange rate waiting on their card statement once they're already home.

Facilitate Payment in Home Currency

Shift4’s Dynamic Currency Conversion (DCC) and Multi-Currency Pricing (MCP) solutions empower shoppers and travellers to make payments in their home currency. This offers them transparency and peace of mind. Our technology seamlessly integrates with merchant, payment service provider, and acquirer platforms.

Phone tapping a Smartpay terminal over terrazzo counter with clothing and accessories around

Elevate the Omnichannel Payment Journey

Equip your business with our dynamic international payment solution suite. With it, you’ll enable merchants, payment service providers (PSP), and acquirers to seamlessly embrace a wide range of payment methods across all channels. This way, you’ll keep the payment consumer experience in motion and streamline the reconciliation process.

Specialised Processing Solutions

Our Financial Processing solutions are your dynamic partner for a streamlined experience. With it, you can outsource authorisation, clearing, and settlement processes for Dynamic Currency Conversion (DCC), Multi-Currency Pricing (MCP), and other specialised acquirer use cases.

Why Acquirers Partner With Shift4

When you partner with Shift4, you’ll increase revenue, improve your customer experience, and optimise your operations with our financial technology.

Expand your payment proposition

If you're a business that works with Shift4, you’ll get an enterprise payments solution that lets you accept more payment types. You'll add Dynamic Currency Conversion (DCC) and Multi-Currency Pricing (MCP) to existing acquiring stacks and can route funds through a merchant account without requiring a separate merchant account or building in-house infrastructure.

Create additional revenue opportunities

Through Shift4, cross-border transactions are processed through dynamic currency conversion. This opens up a new, mostly passive revenue stream for the acquirer or PSP.

Improve the customer experience

With Shift4, your customers’ experience is vastly improved. Shoppers and travellers have pricing certainty in their own currency at the point of sale. This helps reduce cart abandonment and post-purchase disputes.

Reduce operational complexity

Nobody likes handling all the different operational aspects that come with running a business. That’s why we make payments easy. Just one integration handles authorisation, clearing, and settlement across Dynamic Currency Conversion (DCC) and Multi-Currency Pricing (MCP).
You'll also have built-in reporting that saves time, while keeping transaction information transparent and visible. Whether you run a small or large business, you won’t have to stitch together multiple vendors: it’s all there for you under one roof. 

Scale across markets and channels

The Shift4 network already spans 34 countries and 135,000+ merchant points of sale. You’ll extend your reach without new market-entry overhead.

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Frequently Asked Questions

Dynamic Currency Conversion (DCC) is an opt-in service at international POS terminals and ATMs that detects when a foreign credit or debit card is used. It allows international tourists to pay in their home currency instead of local currency while travelling. For these transactions, an additional payment processing fee is included.

Multi-currency pricing involves showing a customer’s home currency when they are browsing, instead of only seeing their currency available upon checkout. In ecommerce, this is typically handled through a secure payment gateway so customers can move through checkout with the currency they wish to use.

The main difference between Dynamic Currency Conversion and Multi-Currency Pricing is when they come into effect during the buying journey. Multi-Currency Pricing is available from the very start when customers are browsing products online, whereas Dynamic Currency Conversion is available on checkout and involves a small markup fee on both contactless and card transactions.

Shift4 supports multiple different payment channels, including in-store terminals equipped with card, contactless payment, and mobile wallet options (such as Apple Pay, Samsung Pay, and Google Pay), as well as online and digital payments.

At Shift4, we're a company that supports payments in multiple countries and currencies, including:

  • Australia
  • New Zealand
  • United States
  • Canada
  • United Kingdom
  • Ireland
  • Germany
  • Austria
  • Switzerland
  • Spain
  • Portugal
  • Italy
  • Lithuania
  • Belgium
  • Netherlands
  • Luxembourg
  • Sweden
  • Norway
  • Denmark
  • Finland
  • Israel

Shift4 supports multiple security and compliance standards, including EMV processing, P2PE, PCI-DSS controls, tokenisation, and SOC-II compliance. For more information about our payment security, check out our security corner.

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