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Hello, David here from merchant accounts CA. Today, I want to discuss settlement currencies for multi-currency transactions. When processing a transaction, you can do so in your domestic currency. For example, a Canadian merchant can bill in Canadian dollars, and target US customers can be billed in US dollars. We provide US currency merchant accounts for this purpose. The question arises of how you, as a Canadian merchant, will be paid when billing in US dollars. There are options for this, including converting the payment to your domestic currency.