Repatriation refers to the process of converting and transferring funds earned in a foreign country back to a business’s or individual’s home country. This can involve currency exchange, cross-border banking regulations, and tax considerations depending on the jurisdictions involved. In payment processing, repatriation is often relevant for international merchants who collect revenue in various countries — often times in multiple currencies — and must bring earnings home in their base currency.

For businesses operating across borders, repatriation impacts cash flow, compliance, and even pricing strategy. If you’re processing transactions internationally — whether through ecommerce, digital services, or global partnerships — understanding how and when funds return to your home account is critical. AltoPay helps merchants navigate international payouts, manage currency conversion, and ensure compliance with relevant financial regulations.