Multi-Currency Presentment, Settlement & Reconciliation
Structure presentment currencies, settlement currencies, rolling reserves, refund deductions, and reconciliation reports for cross-border digital platforms.
Scope & readiness
Business & Capability Verification
Supported regions, card schemes, settlement cycles, and technical integration modes are verified item by item based on your merchant entity, business model, and acquiring approval.
Capability definition
Capability Definition & Scope
Cross-border payment efficiency depends on clear alignment between what users pay at checkout (presentment currency) and how funds are settled to your corporate account (settlement currency), alongside transparent fee, refund, and reserve accounting.
Use cases
Applicable Use Cases
- Presentment Currency Alignment
- Settlement Currency & Cycles
- Refunds, Fees & Reserve Accounting
- Finance & Order Reconciliation
Transaction types
Verified Transaction Scope
- User-initiated one-time transactions
- Refunds, cancellations, and status queries (subject to verified channel scope)
- Excludes automated recurring billing or self-serve subscription management
Integration modes
Integration Modes
Hosted
Best for platforms preferring gateway-hosted payment pages.
Embedded
Best for platforms requiring an in-page experience with corresponding security controls.
API
Best for server-side order creation, status queries, refunds, and webhook integration.
Process steps
Integration & Processing Workflow
- 01
01 Presentment & Capture
Orders are authorized and captured in the approved presentment currency for the channel.
- 02
02 Batch Clearing & Adjustments
Captured transactions, refunds, processing fees, and any applicable reserves are calculated per clearing cycle.
- 03
03 Settlement Statement Generation
Detailed settlement reports are generated for merchant finance verification.
- 04
04 Corporate Bank Payout
Net settlement funds are remitted to the merchant’s verified corporate bank account.
Verified Scope & Limitations
Verified Supported Scope
Presentment vs. Settlement: Presentment and settlement currencies are configured per approved acquiring channel Reconciliation: Transaction-level statements cover captures, refunds, fees, disputes, and reserves Compliance Rule: Settlement is paid strictly to the verified and contracted merchant corporate bank account
Limitations & Boundaries
Settlement funds can only be remitted to the contracted merchant entity’s verified corporate account. Exchange rate benchmarks, settlement cycles (e.g., T+N), and rolling reserve ratios depend on underwriting results. High refund or chargeback activity may affect settlement schedules or reserve requirements under channel risk rules.
Clearing & settlement flow
Presentment Capture to Corporate Settlement Lifecycle
Technical comparison matrix
Hosted vs. Embedded vs. Server API Integration Comparison
Comparison of Cropay payment gateway integration modes across PCI DSS compliance scope, 3DS2 handling, and engineering effort.
| Integration Mode | PCI DSS Scope | Checkout UX & Control | 3DS2 & Webhook Flow | Recommended Platform Scenario |
|---|---|---|---|---|
| Hosted Checkout | Lowest (SAQ A eligible; gateway hosts card entry) | Redirect to Cropay-hosted responsive checkout page | Gateway manages 3DS2 redirect; server verifies signed webhook | Fast cross-border launch for web & mobile dating/streaming platforms |
| Embedded Checkout | Moderate (requires approved security & domain review) | In-page embedded payment component within merchant UI | Component handles 3DS2 challenge frame + server webhook confirmation | Platforms requiring uninterrupted in-app/in-room top-up experience |
| Server-to-Server API | Strictest (requires full PCI DSS certification if handling raw PAN) | Full custom merchant-controlled order & status orchestration | Idempotent REST session creation + HMAC/RSA webhook + query API | High-concurrency wallet ledgers, automated refund & reconciliation sync |
FAQ
Frequently Asked Questions
What is the difference between presentment currency and settlement currency?
Presentment currency is the currency shown to and paid by the cardholder at checkout; settlement currency is the currency remitted to your corporate bank account.
Are settlement cycles fixed for all merchants?
No. Settlement cycles, minimum payout amounts, and reserve terms are determined during underwriting based on industry and risk profile.
How are refunded orders reflected in settlement statements?
Approved refunds are deducted from subsequent clearing batches and itemized in your reconciliation statements.
Business assessment
Discuss Currency Presentment & Settlement Terms
Submit your corporate entity, website or app URL, target markets, billing items, transaction model, and preferred integration mode for a structured onboarding review.
Submit Onboarding Assessment