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[Music] hello David here at merchant accounts dot CA I wanted to tackle the topic of settlement currencies for multi currency transactions this is something that confuses everyone every merchant that touches multi currency transactions at least at the start Erlik how do I set this up what you need to know at a high level is when you process a transaction you can process it in your domestic currency so if youre a Canadian merchant obviously you can process transactions in Canadian dollars if youre targeting our customers in the United States yes you can build them in US dollars so a merchant accounts CA as an example we would give you a US currency merchant account and any time you ran a transaction through your US currency merchant account the customers card is billed in u.s. dollars but this raises a question how do we pay you because youre a Canadian merchant but you billed someone in u.s. dollars what happens next well theres control in fact the obvious thing is we could either