Paiements transfrontaliers dans l’Espace économique européen (EEA)

Le taux de la BCE est le taux de référence des changes pour les devises européennes par rapport à l’euro (EUR), mis à jour quotidiennement par la Banque centrale européenne à 16h00, heure d’Europe centrale.

As a payment service provider, Convera is required to display the ECB exchange rate alongside our own currency conversion rate as a percent difference to ensure full transparency for payers. This practice allows payers to see the difference between the market currency conversion rate (ECB rate) and the currency conversion rate that Convera offers, providing clarity on any applied markup. This transparency is mandated for card transactions where the source currency is EUR and where the payer is located in a country within the European Economic Area (EEA) or the UK.

Currency conversion and transaction costs are both charged when making cross border card payment. Currency conversion is charged when a transaction is converted from one currency to another. Transaction costs are charged by the card issuer or payment service provider for cross border card payments.

A: When completing your payment with Convera you have the option to pay using several different payment options including in the currency of your institution. If you choose to pay with the currency of your institution, your bank will complete the FX conversion at the point of transfer.