Strategy and Solutions
The client was a fast-growing online marketplace connecting independent sellers with global buyers across apparel, home décor, electronics, and specialty goods. The platform had grown steadily in North America but struggled to penetrate international markets due to one key barrier: limited payment options. Customers in Europe, APAC, and Latin America frequently abandoned their carts because the platform supported only major credit cards and PayPal.
As the company prepared for expansion into 15 new countries, leadership recognized that successful global commerce required more than translations and currency displays—customers needed localized payment experiences, region-specific currency support, and fast, trustworthy checkout flows. The marketplace partnered with Zymr to architect and implement a comprehensive multi-country payment integration program that enabled seamless transactions across continents.
Expanding into new countries revealed multiple payment, compliance, and operational challenges that limited the client’s international performance.
Lack of Local Payment Method Support
Payment preferences varied dramatically across regions:
The marketplace supported none of these, resulting in low trust and high abandonment.
High Cross-Border Transaction Costs
Using U.S.-based gateways for international payments led to costly FX markups, currency conversion fees, and low authorization rates on foreign cards.
Compliance & Localization Requirements
Different countries had varying rules for:
The existing payment workflow did not support regional compliance complexities.
Fragmented Customer Experience
International users encountered inconsistent experiences:
Infrastructure Not Scalable for Global Payment Flows
The platform lacked:
This created high dependency on a single global processor.
The engagement positioned the marketplace as a globally trusted e-commerce destination. With localized payments, multi-gateway optimization, regulatory compliance, and mobile-first checkout, the marketplace achieved frictionless global commerce at scale.
Business impact included:
The impact of the modernization effort was immediate and measurable across new markets.
Local Payment Methods Accounted for 65% of All Transactions
Users overwhelmingly preferred region-specific payments when available.
Cross-Border Transaction Costs Dropped by 30%
Local acquiring, optimized FX routing, and reduced processor fees significantly lowered operating costs.
Authorization Rates Improved by 22%
Smart routing and local gateway selection drove consistently higher approval rates for international cards.
Zero Operational Disruptions During Rollout
The architecture was deployed in phases, ensuring uninterrupted service for global users.
Market Expansion Acceleration
The marketplace launched in all 15 target countries within one year, surpassing initial roadmap expectations.
Reduced Fraud & Chargeback Rates
Regional fraud engines and intelligent scoring across gateways improved risk management.
Enhanced Merchant & Seller Satisfaction
Sellers benefited from faster settlement times and more predictable revenue flow.
Scalable Infrastructure for Future Markets
The new payment framework can onboard additional countries and methods with minimal engineering effort.
Better Analytics & Business Intelligence
Zymr implemented dashboards for:
This empowered business teams to make informed pricing and expansion decisions.
Zymr executed a multi-phase, international payment modernization initiative to unlock the client’s global reach.
Phase 1: Local Payment Method Integration Across Regions
Zymr partnered with leading orchestration platforms and local gateways to integrate 25+ payment methods, including:
These methods were implemented through a unified payment abstraction layer that standardized payment flows regardless of provider.
Phase 2: Dynamic Currency Conversion & Local Pricing Engine
Zymr developed a real-time FX engine with multiple liquidity providers to ensure accurate, low-latency currency conversion.
Features included:
This significantly improved trust during checkout for international users.
Phase 3: Multi-Gateway Architecture with Intelligent Routing
To optimize authorization rates and reduce cross-border costs, Zymr:
Phase 4: Regulatory Compliance & Data Localization
Zymr ensured the payments ecosystem adhered to:
Tokenization, fraud prevention, and secure orchestration were built into every flow.
Phase 5: Mobile Checkout Localization
Mobile traffic made up 75% of global visitors, so Zymr adapted checkout for device-first interactions:
.svg)
.svg)
.svg)
.svg)
.svg)
.svg)