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Kayana
Payments

Multi-Currency Payments

Quote, bill and get paid in any currency.

Take every payment.Settle the next day.Never miss a sale.

The challenge

Cross-border customers see prices in a foreign currency, get hit with surprise FX fees, and you're left reconciling messy conversions across banks and processors.

With Kayana

Kayana prices and bills each customer in their local currency, takes the payment cleanly, and settles to your account with transparent, locked-in rates — so international sales feel as simple as local ones.

See what's built in

Built to move the numbers that matter.

Feature 01

Price in their currency

Show quotes, invoices and checkouts in the customer's local currency, with rates you control per market.

  • Local pricing
  • Locked FX rate
  • No surprise fees
Feature 02

Bill and collect anywhere

Send payment links or invoices in 130+ currencies and take card, wallet and bank payments.

  • Multi-currency links
  • Cards & wallets
  • Recurring billing
Feature 03

Settle the way you want

Hold balances in multiple currencies or convert to your base currency on a schedule you set.

  • Multi-currency wallet
  • Scheduled convert
  • One reconciliation
Included as standard

Everything's built in, from day one.

24/7 support

Round-the-clock human help, included as standard.

Free updates

New features ship automatically, at no extra cost.

Works offline

Keep selling even if the connection drops.

One dashboard

Run every channel and site from a single login.

Bank-grade security

PCI-DSS compliant and end-to-end encrypted.

Scales with you

From one location to many, no re-platforming.

Open integrations

Connect accounting, delivery and loyalty tools.

Transparent pricing

One clear rate — no hidden fees, ever.

How it works

Live in three steps.

01

Set your markets

Choose the currencies you sell in and the rate rules for each.

02

Quote & bill

Send quotes, links and invoices in the customer's currency.

03

Get paid & settle

Collect locally, then hold or convert to your base currency.

Ready for every sale, every time

Price in their currency

Local pricing

Bill and collect anywhere

Multi-currency links

Settle the way you want

Multi-currency wallet

Software that fits what you do

PaymentApproved
Card · tap£49.09
Settlesnext day

Ready for any rush

One connected app runs orders, payments and the back office on the same device — so Multi-Currency Payments fits the way you already work, from the counter to the kitchen.

  • Take orders at the counter, at the table, on a kiosk or online
  • Process every payment and reconcile it automatically
  • Track stock, staff and sales from one live dashboard
Why Kayana

Why choose Kayana Multi-Currency Payments

Win international dealsLocal pricing removes the friction that loses cross-border sales.
Protect your marginLock FX per market so conversion never quietly eats your profit.
One clear viewEvery currency and payout reconciles in a single dashboard.
Compliant by defaultPCI-DSS and local payment rules handled for you.
Typical impact

Most operators see it pay for itself within weeks.

Lower fees and faster settlement typically cover the switch within the first quarter — and you stop losing sales to dropped connections.

Representative figures — real results depend on your setup, volume and how you trade.

Next day
Settlement

Predictable, faster cash flow

18%
Processing cost

One transparent rate, volume pricing

99.9%
Uptime

4G failover keeps you selling

Operators seeing results within weeks

All customer stories
−18% fees

Transparent pricing saved us thousands a year versus our old provider.

A quick-service operator
0 lost sales

4G failover meant we kept trading right through a broadband outage.

A grocery & retail operator
Tech specs

The detail, on the record.

Multi-Currency Payments — connectivity, compatibility, security and what's in the box.

CategoryPayments
Best forHospitality & retail, any size
Setup timeLive within 4–6 weeks
PricingTransparent — buy or subscribe
Runs onWeb, iOS & Android

Multi-currency payments let a business quote, invoice and settle in the customer's own currency, while keeping one clear view of every payout back home.

How multi currency payments work

A customer sees prices and pays in their own currency at checkout, with conversion handled automatically at the point of sale, whether that's an EPOS system or an online order, rather than left to the customer's card issuer to work out.

Supported currencies and conversion rates

Coverage spans the major world currencies, with conversion rates refreshed regularly so a quoted price stays close to the market rate rather than a stale figure from days earlier. Kayana processes the conversion as part of the same payment processing already running the rest of a business's sales.

Settlement and reporting

Multi-currency payments still settle back to the home account and currency a business already banks with, and reporting breaks sales down by currency alongside the usual view by site, till or channel. Nothing about selling internationally means keeping a second set of books.

FAQ

Questions, answered

Everything you need to know about Multi-Currency Payments. Can't find your answer?

Quote and bill in 130+ currencies, with card, wallet and bank options per market.

No — hold balances in multiple currencies and convert on your own schedule, or auto-convert to your base currency.

You set the rate rule per market, with a transparent, locked rate shown to the customer at checkout.

Yes — it settles and reconciles alongside in-store, online and link payments in one place.

Yes — it's PCI-DSS compliant and handles the local payment rules in each market for you.

By card, wallet or bank payment in their own currency, via checkout, invoice or a payment link.

Yes — hold balances in multiple currencies or convert to your base currency and receive a single, reconciled payout.

Yes, recurring and subscription billing works in each customer's local currency.

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