The Hidden Cost of Going Global: What Your Payment Stack Isn't Telling You
Where global merchants lose margin across payment acceptance, FX, fraud, failed transactions, and settlement design — and what a more efficient global payment stack looks like before those costs hit the P&L.
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Going global gets expensive when payments are treated as a checkbox instead of a cost lever
When merchants expand into new markets, payments are often treated as an operational detail rather than a margin lever. But in an enterprise IC++ context, processor fees can account for only about 10% of total payment costs — the remaining 90% typically sits in interchange and payment-method costs, fraud-related losses, and FX. That's why a lower processor markup doesn't always translate into a lower total cost. A 5% reduction across that remaining 90% can have the same impact as a 45% discount on processor markup.
The more useful question is not simply whether you can accept payments in a market — it's whether your stack is designed to improve payment method mix, limit FX leakage, and support stronger performance across the full flow of funds.
In 30 minutes, you will walk away with:
Total cost — not headline fees — decides what global expansion really costs
The Biggest Costs Are the Least Visible
Lower fees on paper can still mean higher costs in practice — outweighed by payment method cost, poor routing, FX leakage, and lower conversion.
Local Optimization Cuts Cost and Lifts Conversion
The right local acquiring, settlement structure, and payment method mix can improve approval rates while reducing unnecessary cost.
Efficiency Doesn't Stop at Checkout
Collecting payment is only part of the equation. How funds are held, converted, and paid out has a material impact on overall margin.
Built for senior payments, product, and finance leaders
This session is for companies expanding across markets or rethinking how their payment stack supports growth: Heads of Payments, VP/Directors of Product or Commerce, CFOs, and Finance Leaders. If you are preparing for market entry in LATAM, Southeast Asia, Europe, or any region where local payment behavior differs from your home market — this session is for you.
Melissa Pottenger leads Partnerships for North America at Yuno, where she focuses on the partners that power Yuno's global financial infrastructure. She brings almost two decades of payments experience across acquiring, orchestration, and enterprise strategy, with earlier roles at Visa, Worldpay, and Reach. Her current work centers on building and strengthening the partner ecosystem that extends Yuno's coverage, performance, and reliability across markets.
Surya Naragani is a Staff Product Manager at Airwallex leading the evolution of payment processing through machine learning and agentic commerce. He oversees multi-year roadmaps dedicated to payment optimization, ensuring merchants benefit from maximized success rates and minimized fraud. Surya's work is currently focused on preparing the Airwallex ecosystem for the agent-led economy, while maintaining a strong foundation in core processing areas like cost estimation and dispute management.
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