Accept global payments like a local

An international payment gateway encrypts and transmits payment data between a customer, a merchant, and the acquiring bank in the customer's country. For cross-border transactions, the gateway must communicate across different card networks, currencies, and local payment rails simultaneously. ONERWAY's gateway connects directly to local acquiring networks in 80+ markets, which means transactions are processed as near-domestic payments wherever possible. This reduces the failed transaction rates that typically affect cross-border payments processed through a single domestic acquirer, and improves authorisation rates for international card and local payment method transactions.

A domestic gateway is optimised for one market and one currency. It routes transactions through a single acquirer with limited visibility into international card BINs, local payment methods, or cross-border compliance requirements. A cross-border payment gateway maintains connections to multiple local acquiring networks, supports multiple currencies natively, and applies market-specific authentication rules such as PSD2 strong customer authentication in Europe. For enterprise businesses selling across multiple markets, a domestic gateway creates unnecessary transaction failures and FX costs that a purpose-built cross-border gateway eliminates.

ONERWAY supports global card networks including Visa, Mastercard, American Express, JCB, Diners Club, Discover, and UnionPay International, alongside 160+ alternative payment methods across Asia-Pacific, Europe, the Middle East and Africa, North America, and Latin America. This includes digital wallets, local bank transfer schemes, and regional payment methods such as iDEAL, WeChat Pay, GrabPay, OVO, and Kakao Pay. The payment methods available to your business depend on your registered market and the countries you are transacting in. Each transaction consists of two parts: a processing fee and a transaction fee, with rates varying by volume, market, and payment method. For a full breakdown, visit the ONERWAY pricing page.

When a transaction is processed in a currency different from the cardholder's billing currency, issuing banks apply additional scrutiny that increases the risk of a decline. Multi-currency payment processing addresses this by presenting the transaction in the cardholder's local currency through a local acquiring connection, reducing the likelihood of a cross-border flag being applied. ONERWAY's intelligent routing selects the optimal acquirer and currency path for each transaction based on card BIN, geography, and historical processing performance. Combined with network tokenisation and dynamic 3DS authentication, this approach recovers a material portion of authorisation failures that single-currency, single-acquirer setups typically lose.

Enterprise businesses require a payment gateway API that supports both synchronous and asynchronous transaction flows, webhook-based status notifications, and granular control over routing logic and authentication parameters. The API should handle hosted payment pages, direct API card flows, and SDK-based custom checkout experiences from a single integration. Versioned API documentation, a sandbox environment, and sample code across multiple languages reduce implementation time significantly. ONERWAY's API supports all four integration modes, HPP, API, JS SDK, and platform plugins, from a single merchant account with full-stack documentation and a dedicated sandbox environment for pre-live testing.