The acceptance of payments from international customers is supported by Biller Genie but there are some limitations to be aware of which we will discuss in this article.

Card Payments

Authorization and Settlement: Biller Genie supports authorization and settlement in the same currency. 

• U.S. based merchants: Customers will be charged in USD and your processor will settle USD to your account. 
• Canada based merchants: You will receive CAD deposits and your customers will be charged in CAD. 

Customers outside of your country will see the equivalent amount charged to them in their local currency and may be charged fees by their bank for the international transaction.

Compatibility: Biller Genie is an invoice automation tool and payment interface but is not a payment processor, meaning we have no control over what types of payments you can accept with your merchant account. If you experience issues accepting international cards, contact your payment processor to ensure your account and gateway support international payments. 

Fees: Be aware that Visa, Mastercard, and other card networks typically charge additional fees on international (cross border) transactions. The average rate on international cards is higher than domestic cards. Consult with your processor for specifics on fees they charge.

Fraud Prevention: Tools such as AVS (Address Verification Service) do not always work with international addresses, so fraud controls may be limited. Use caution when shipping items internationally. Card Verification Value (CVV) is typically still supported on foreign cards.

Chargeback Management: International transactions may have a higher risk of chargebacks. Familiarize yourself with the chargeback process and how to manage disputes effectively.

ACH Payments

ACH payments cannot be accepted from international accounts.

ACH payments are processed by member banks of NACHA (National Automated Clearing House Association), a U.S.-based organization that manages the electronic payment system in the United States. NACHA oversees the rules and regulations governing ACH transactions, ensuring their security and efficiency.

As a result, both the originator (the person or business sending the payment) and the receiver (the person or business receiving the payment) must have accounts at U.S. banks.