Connect currency flows with clearer settlement plans.

Plan collection currency, conversion steps, settlement destinations and reconciliation requirements before choosing a provider route.

Discuss your requirements

Scope Flow design Checklist FAQ

CURRENCY & SETTLEMENT PLANNING

Make every currency handoff visible.

Map the customer-facing currency, provider processing currency, conversion point, settlement currency and the records Finance needs to reconcile each transaction.

For CNY or other foreign-currency flows, confirm the permitted collection purpose, conversion route, account ownership and supporting documentation with your financial and legal advisers and the selected provider.

Define the flow before choosing a route

Where the customer pays and the merchant is established
Transaction currency and any conversion quote
Settlement currency, account destination and timing
Refund, chargeback and reconciliation handling

A practical review sequence

Describe the funds flow

Identify each payer, payee, currency and entity involved.

Confirm provider coverage

Check supported corridors, eligibility, documents and limits.

Model the records

Review quotes, fees, rates, timestamps, refunds and settlement reports.

Test and reconcile

Validate sample transactions and exception handling before launch.

Questions to bring

Which entity contracts with the provider?
Which currencies are collected, converted and settled?
Which countries are in scope, and what is the source of funds?
What are expected volumes, ticket sizes and refund rates?

IMPORTANT

No exchange rate or settlement route is assumed.

Rates, fees, settlement cycles, licensing responsibilities and supported currencies vary by provider, merchant profile and jurisdiction. Confirm these details in writing before implementation.

Read settlement planning

Frequently asked questions

Can customers pay in CNY while we settle in another currency?

This depends on the acquiring and conversion route, merchant eligibility and the permitted flow in each jurisdiction. Ask the provider to confirm the exact currencies, rate source, fee schedule and settlement record.

Does UniPayWorld exchange or hold customer funds?

This website is for business enquiries and planning. It does not execute currency exchange, custody assets, or hold payment funds.

What should we prepare?

Share merchant entity and country, target customer markets, transaction currencies, desired settlement currency, estimated volume and a funds-flow diagram if available.

Start with the countries, currencies and flow.

We will use your operating model to scope provider availability, onboarding requirements and a practical integration path.

Talk to our team