Localisation unlocks global revenue

This Insights series explores how merchants can unlock hidden revenue by optimising payment authorisation rates – covering strategies from smart routing and credential management to global localisation and executive-level performance insights.

Expanding into new markets brings exciting opportunities. But for merchants operating globally, one truth holds: Your payments need to feel local, even if your business is global.

Authorisation rates don’t travel well. What works in one region may fail in another. That’s because every market comes with its own networks, issuers, payment behaviours and compliance rules. If your payments infrastructure doesn’t account for that, you’re not just risking friction – you’re losing revenue.

Global ambitions, local realities

You launch a storefront in Southeast Asia. Your product resonates. But your payment success rate lags behind what you see in North America or Europe. Customers are abandoning carts. Support requests spike. Revenue projections fall short.

"Global merchants who localise payments can see 10-15% higher approval rates in key growth markets."

This isn’t a product-market fit problem. It’s a payment localisation problem.

• Local customers prefer e-wallets, but your checkout only supports cards
• Your acquirer is foreign, triggering issuer mistrust and declines
• Your transaction data lacks required regional fields for compliance

The result: Lower approval rates, higher churn and lost market momentum.

Meanwhile, global merchants who localise payments can see 10-15% higher approval rates in key growth markets.

Three pillars of local payment success

At Worldpay, we help merchants bridge the gap between global reach and local relevance. Here are three foundational elements of a locally effective authorisation strategy:

1. Regional acquirer access

Domestic acquiring is a game changer. When your transaction routes through a local acquirer, it looks more familiar and trustworthy to local issuers. This boosts approval rates and reduces cross-border fees.

Worldpay provides access to more than 70 domestic acquiring licenses, enabling true local presence in major commerce regions, from LATAM and APAC to EMEA and North America.

2. Local payment methods

Card usage varies wildly by region. In markets like Germany or Brazil, consumers often prefer bank transfers or account-to-account products. In China, mobile apps dominate.

Worldpay supports more than 60 unique payment methods, allowing merchants to offer what customers actually use, not just what’s standard globally. This improves checkout conversion and signals local familiarity.

3. Compliance and regulatory alignment

Different countries have different requirements for authentication, data fields and currency conversion. Routing a transaction without aligning to these rules increases failure risk.

Worldpay automatically adapts transaction data formatting and authentication protocols to meet local requirements – helping merchants stay compliant and increase approval rates.

Local insights, global scale

Worldpay doesn’t just offer local access. We deliver local intelligence. Our real-time analytics platform tracks approval trends by region, issuer and method. Combined with our direct issuer relationships, we help merchants proactively adjust strategies by geography.

Our team monitors regulatory changes across 174 countries, ensuring you stay ahead of shifting rules and optimise in-market performance continuously.

Why this matters now

As digital commerce becomes borderless, payments remain grounded in local infrastructure. Consumers expect global brands to act like local ones. If your checkout doesn’t reflect that, trust breaks down.

"Consumers expect global brands to act like local ones."

• Global e-commerce sales are projected to hit $8.03 trillion by 2027
• Cross-border sales will drive 20% of online retail revenue
• But cross-border declines still exceed 10% in many regions

The difference between a good launch and a failed expansion often lies in payment performance.

Go local to go global

Winning internationally isn’t about copying your home-market strategy. It’s about adapting to how people pay, where they are.

Worldpay gives merchants the infrastructure and intelligence to match local preferences while maintaining global consistency.

Because in global commerce, relevance isn’t just helpful. It’s critical.

Previously in this series:

Part 2: How to turn passive value leakage into active growth

You can’t grow what you don’t see. Learn how hidden payment failures quietly erode revenue and how to turn them into a competitive edge.

Coming up next:

Part 4: Optimisation goes beyond approvals

Improving authorisation rates is just the beginning. True payment performance comes from optimising every step of the transaction journey.