US domestic acquiring for EU merchant: how to fix US declines, choose solutions, and route like a local
TL;DR. If a European merchant pushes a lot of US-issued cards through an EU acquirer, the traffic looks cross-border to the issuer and approval rates drop. Local US acquiring and US-native rails (ACH, RTP, FedNow) usually lift conversions and cut costs. Visa also expects correct merchant location data in the auth/clearing stream and on site, which is easier when you process domestically. Rule of thumb: when 70–80%+ of your payers are US, US domestic becomes a near must-have. You need to think about US domestic acquiring for EU merchant.
