Multi-currency card machine UK
Multi-currency card terminals let UK merchants take payments in EUR, USD or other major currencies and settle to GBP. Useful for tourist-area retail, hospitality near airports, and online-plus-in-person hybrids selling internationally.
Who cares about this
UK SMBs with significant non-UK customer flow: hotels, restaurants in London / Edinburgh / York, gift shops in tourist areas, B&Bs catering to international visitors. Also exporters with B2B customers paying in EUR or USD.
UK acquirers that support it
- Adyen (strong multi-currency)
- Stripe (135+ currencies)
- Worldpay (DCC programmes for tourist areas)
- Revolut (multi-currency native)
- Specialist DCC providers
UK acquirers that don't (or with limits)
- SumUp, Zettle, Square, Tide, Dojo (UK-default; settle GBP only)
How it works
Two flavours: (1) DCC (Dynamic Currency Conversion) lets the customer choose to pay in their own currency at the terminal, terminal converts at point of sale, customer's issuer charges them in their currency, merchant settles GBP. (2) True multi-currency settlement where the merchant holds multi-currency balances and settles in each currency separately (Adyen, Stripe, Revolut).
Watch outs
- DCC margins are charged to the customer; some customers refuse and pay in GBP anyway.
- Multi-currency settlement requires a multi-currency business bank account or Wise / Revolut Business.
- FX margins on conversion can be 2-4%, verify before signing.
Get a quote
Open quote form →Founder & Managing Director, Muswell Rose, MerchantHQ
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last reviewed: 26 April 2026