USD card acceptance

Overview

USD Card Acceptance lets your business accept Visa and Mastercard payments denominated in US dollars. International customers see and pay in USD — PayMongo automatically converts the amount to PHP through partner banking channels before settling to your account.

Who this is for

• E-commerce stores with international buyers
• Travel agencies processing bookings from overseas customers
• Service providers billing overseas clients
• Educational institutions enrolling international students
• Any business with customers accustomed to paying in USD

How it works

The integration is nearly identical to a standard PHP card payment. The only change is setting "currency": "USD" in the Payment Intent.

1. Create a Payment Intent with "currency": "USD" and the amount in US cents (USD 10.00 = 1000).
2. Create a Payment Method client-side with the customer's card details.
3. Attach the Payment Method and handle 3D Secure if required.
4. PayMongo converts the USD amount to PHP at the current exchange rate.
5. You receive settlement in PHP.

Creating a USD Payment Intent

curl -X POST https://api.paymongo.com/v1/payment_intents \
  -H "Content-Type: application/json" \
  -H "Authorization: Basic $(echo -n 'sk_test_YOUR_SECRET_KEY:' | base64)" \
  -d '{
    "data": {
      "attributes": {
        "amount": 1000,
        "currency": "USD",
        "payment_method_allowed": ["card"],
        "description": "International order #5678"
      }
    }
  }'

1000 = USD 10.00. Use cents for USD amounts, not centavos.

Prerequisites

Account configuration is required before testing or going live with USD card acceptance. Contact the PayMongo team to request access.