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Real-Time FX Rate Engine

A proprietary Payneteasy service built into the white label payment gateway. Pull exchange rates from your chosen providers, apply custom margins, and turn every cross-border transaction into a revenue opportunity — all under your brand.

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New Revenue Stream

Build FX margin directly into every cross-border transaction. Custom coefficients per currency pair provide full control over conversion revenue.

No Additional Integration

FX conversion is built into the gateway. No third-party services, no additional APIs — enabled as part of your white label deployment.

Full
Control

Choose providers, set buy/sell rates, configure margins per terminal — and manage everything from a single dashboard under your brand.

How the FX Rate Engine Works

Payneteasy's FX Rate service connects the gateway to multiple exchange rate providers, providing full control over currency conversion across every transaction.

Multi-Provider Rates

Connect to multiple FX rate providers simultaneously. Choose the best rate source per currency pair and switch providers without code changes.

Buy & Sell Rates

Configure separate buy and sell rates per terminal. Each terminal supports its own rate type, currency pair, and provider — enabling granular pricing control.

Custom Margins

Add percentage-based coefficient modifiers or absolute value adjustments to any rate. Build FX revenue directly into the conversion — transparently and automatically.

Real-Time Calculation

Transaction amounts are converted at the gateway level using live exchange rates. No batch delays, no stale rates — accurate conversion data is available to merchants for payment pages, checkout flows, and reconciliation.

Multi-Currency Reports Under Your Brand

Every report in the white label payment gateway can be converted to the currency merchants need. Consolidated views, reconciliation, and analytics — all in the right currency, automatically.

Terminal-Level Configuration

Each FX terminal is independently configurable: provider, rate type (buy/sell), currency pair, coefficient, and absolute adjustment. Create as many terminals as needed for different merchant segments or geographies.

Provider Management

View all connected providers and their terminals in a unified dashboard. Need a new FX provider? The Payneteasy team adds it to your setup — no integration work required.

Part of the White Label Payment Gateway

The FX Rate Engine works seamlessly with every component of the Payneteasy platform:

White Label Gateway

Currency conversion is embedded into every transaction processed through the branded gateway — no separate integration needed.

Smart Payment Routing

FX rates feed into routing decisions — route transactions to acquirers that accept specific currencies, with automatic conversion handled at the gateway level.

Payment Orchestration

Multi-PSP environments benefit from unified FX handling — one rate engine serves all connected providers and acquirers.

Global Payouts

Send payouts in local currencies using the same FX engine. Sellers and partners receive funds in their preferred currency with transparent conversion.

Fraud Protection

Fraud protection rules apply to transactions processed through the FX engine, maintaining consistent risk controls across multi-currency payment flows.

Marketplace Payments

Marketplace operators can set up separate FX terminals for buyer-side and seller-side conversions — with different margins and providers for each.

Launch Your Multi-Currency Gateway

Ready to turn cross-border payments into a competitive advantage?
The FX Rate Engine comes built into every Payneteasy white label payment gateway deployment — enabled and ready to generate revenue from day one.

Book a Demo Contact Sales

Frequently Asked Questions

What is an FX rate engine in a payment gateway?

An FX rate engine is a built-in service that pulls real-time exchange rates from multiple providers and automatically calculates transaction amounts in different currencies. In Payneteasy's white label payment gateway, it handles currency conversion at the point of transaction and applies the converted amounts across all reports, reconciliation, and analytics.

Can I add my own margin to exchange rates?

Yes. Payneteasy's FX rate engine supports both percentage-based coefficient modifiers and absolute value adjustments. Custom margins are configurable per currency pair and per terminal, providing full control over FX revenue.

How does multi-currency reporting work?

All transaction reports in the white label payment gateway can be converted to any target currency using real-time or historical rates. Merchants see consolidated reports in their preferred currency, regardless of the original transaction currencies.

Which FX rate providers does Payneteasy support?

Payneteasy integrates with multiple FX rate providers. Operators select which providers to use, configure buy or sell rates, set currency pairs, and apply custom coefficients. New providers can be added by the Payneteasy team on request.

How does the FX rate engine generate revenue for my business?

Custom margins — percentage-based or absolute — apply to exchange rates on every cross-border transaction. Each currency pair and terminal supports its own markup, enabling precise control over FX revenue per conversion.

Do I need to integrate a separate FX service?

No. The FX rate engine is embedded in the Payneteasy white label payment gateway. There is no separate integration, no additional API, and no third-party dependency — currency conversion works out of the box as part of your gateway deployment.

Is the FX rate engine included in the white label payment gateway?

Yes. The FX rate engine is a built-in component of Payneteasy's white label payment gateway. It works alongside smart payment routing, fraud protection, and the full payment orchestration platform — all under your brand.