Do I need my own merchant account and entity in other countries?

No. Defy’s global banking connections allow retailers to leverage our relationships to your advantage. If you do have multiple international entities, you can optimize them with your existing merchant account structure.

What are in-country payments, and how are they different from alternative payments?

Alternative payments are those transactions outside standard credit card networks. Many consumers prefer to use these methods, like real-time banking solutions, cash-based payments/e-transfers, and online wallets.

In-country payments include optimization for alternative payments, plus credit card processing through local banks. In-country payments increase approval rates, and decrease fees for your customers. In the competitive retail space, in-country payments for competitive markets like Europe, Canada, the United States and Australia are critical to success.

How is cross-border processing different from in-country payments?

Cross-border payments facilitate convenient payments in a local currency, but the transaction is processed with your domestic provider. For example, if you are a U.S. merchant selling into Europe with Euro pricing and processing, the transaction is still processed in the U.S. Unfortunately, in some major countries within Europe, Australia, Canada, and the United States, cross-border processing has been shown to decrease conversions, increase fees, and charge consumers cross border fees.

In-country payments are processed locally, which will always result in increased conversions and lower fees – plus it eliminates additional consumer fees.

My current payments work fine, why should I change?

Our connections to financial institutions provide transactional currency and payment processing cost savings. With Defy you get a constantly competitive global payments platform proven to significantly increase the opportunity and upside of any global deployment. Coupled with our exceptional risk, liability, and fraud protection, we believe we offer the strongest payments platform out there.

What payment methods do you support?

Defy supports over 100 payment methods globally, and in-country payments for over 20 countries. We offer every important payment method for retailers. We do our best to provide a wide scope of options, understanding that what matters most is the quality of our payment methods – not the quantity. Contact us to get a complete list of payment methods and countries.

What currencies do you support?

Defy supports processing payments in 135+ currencies, allowing you to charge customers in their preferred local currency while receiving the funds in yours. Contact us to get a complete list of available currencies.

Do you work with companies domiciled outside of the US and Europe?

Yes. Defy is proud to provide access to emerging markets and open the doors to acquiring customers in more countries than you ever thought possible. This includes Latin America, Asia-Pacific, the Middle East, and Africa.

Do you provide guaranteed currency conversion?

Yes we do. This is critical for retailers to reconcile their accounts and calculate global pricing strategies, to fully understand margin and eliminate foreign exchange exposure risk. Our transactional currency controls are designed specifically for retailers.

Do you provide fraud management?

Yes. Defy can manage your entire fraud solution, or as much of it as you want us to. Our global fraud team can design and execute a fraud mitigation strategy for you, or integrate our services with your existing solution.

What are the pricing options with the Defy solutions?

Our pricing varies based on variables that include merchant location, payment methods, currency, and level of fraud mitigation involvement. Because we unlock the ability to use in-country payments (as opposed to cross-border only), we typically save our merchants anywhere from 20-50% on their current fees. Contact us to get a free custom proposal with pricing.

How do I know my money is safe? Is Defy PCI compliant?

Defy is fully PCI Level 1 compliant, and monitored by SecurityMetrics, an ASV and a QSA for the Payment Card Industry Security Standards Council.

Furthermore, Defy is a division of Calforex. Calforex is a globally licensed financial institution providing a high level of cross border financial services and products since 1983. Operating according to prevailing legislation is a fundamental practice. Calforex has implemented complete compliance with anti-money laundering and anti-terrorist financing requirements as mandated by Canadian, US, UK, EU and Australian laws and legislation.

How is Defy different from other online payment platforms?

Defy understands high-risk industries, and that’s who we serve. With Defy you get a full-service international payments platform that allows you and your customers to do business in local currencies, opens the door to emerging markets, and offers unprecedented levels of security and fraud mitigation. We break down barriers preventing you from growing your online business by making it easier – and safer – to collect payments.

With Defy, any type of merchant can start collecting payments within a few hours, integrated with their existing e-commerce website or as a stand-alone hosted payments page. It’s that simple.

How long will it take to get a Defy account up and running?

In most cases you can start making sales in just a few hours.

Can I customize my checkout to match the look and feel of my app or site?

Defy’s solutions are 100% customizable to integrate seamlessly with your existing e-commerce website. You get complete control of the design, and can use your own payment form to collect funds while leaving the burden of compliance and risk on Defy.

How long does it take to integrate with Defy?

An experienced developer can complete a basic integration in a few hours. Integration times can vary significantly depending on the complexity of your e-commerce platform and your developer’s experience.

Can I use Defy with my shopping cart, billing, or e-commerce platform?

Yes. Defy works with most of the leading e-commerce and billing platforms, including Shopify, Magento, WooCommerce, and Salesforce.