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Contents
How can airlines solve the
currency conundrum? 
Scaling airlines, surging payments 
What’s at stake when airlines don’t control their FX process? 
Outpayce FX Box:
driving smarter FX payments 
What is Multi-Currency Pricing (MCP)? 
FX Box: Unlock revenue and boost traveler confidence 
The FX effect: your advantage with Outpayce 
Multi-Currency Pricing models:
Control how you source and manage FX 
Ready to turn FX into a revenue advantage? 
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Scaling airlines, surging payments
As airlines scale globally — transporting a record 4.8 billion passengers in 20241 — the airline industry is entering an era of scale and opportunity.
At the heart of this shift is international air travel, which now accounts for nearly 62% of total revenue passenger kilometers (RPK)2.
This surge in international passenger volumes and the expanding use of digital payments create new challenges and opportunities around foreign exchange (FX). FX impacts nearly every payment touchpoint and yet many airlines still lack visibility and control over FX pricing and management.
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What’s at stake when airlines
don’t control their FX process?
Profits left untapped
Foreign exchange margins are typically dictated by issuing banks, meaning that every externally handled conversion results in a lost FX spread opportunity for airlines. In a market where carriers earn just $7 per passenger on average, every dollar counts. By relying on external FX pricing, airlines leave significant revenue from the table, missing the chance to potentially double the earnings across millions of tickets.
Broken traveler trust
Today’s travelers — paying in diverse currencies — are booking cross-border and expect full transparency at checkout. But many still encounter limited or unfamiliar currency options, confusing conversion rates, and hidden FX costs. Having to manually calculate or convert elsewhere leads to frustration, distrust in future pricing and, in many cases, abandoned booking baskets.
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What’s at stake when airlines
don’t control their FX process?
Our traveler research3 revealed clear frustrations with
how FX is handled in international flight purchases:
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9 in 10 travelers
say they need to check their bank statements after booking to understand the foreign currency charges applied
Over one-third
have encountered hidden FX-related costs when purchasing a flight
A striking 89%
say they would choose one airline over another if the total price were displayed in their preferred currency
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Introducing Outpayce
As a global travel payments orchestrator, Outpayce simplifies
airline booking complexity across the entire payment journey.
Native to Amadeus and powered by rich travel data, we combine intelligent technology and deep payment expertise so you can cut payment costs, boost conversions, unlock new revenue and handle compliance — while elevating the overall experience for your travelers.
We’re here to make travel payments smoother for everyone, everywhere —by making: Travel. Simply paid.
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What is Multi-Currency
Pricing (MCP)?
It’s a solution that lets airlines display and manage prices in multiple currencies during the purchase journey, allowing them to take charge of the required activities of foreign exchange (FX), rather than leaving currency conversion to the traveler’s bank or card issuer (often with hidden fees for the consumer).
As a result, travelers can view and pay for their ticket in their preferred and pre-determined currency, either suggested based on their location or selected from a drop-down list at any point in the booking flow. By factoring in all clear currency conversion costs upfront, airlines remove guesswork for travelers, avoid passing on surprise charges, and build trust.
The outcome? A familiar payment experience for travelers boosts basket conversion, and leads to fewer post-booking complaints or administrative hassles for airlines, while airlines draw value by internalizing the FX spread on each transaction.
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See MCP in action
Choose a currency below to experience pricing as your travelers do

Itinery


Total
990


Name on card
Card type

Exp date
Date of birth



Card number
CVV
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FX Box: taking control of the
Multi-Currency Pricing opportunity
Outpayce’s fully integrated Multi-Currency Pricing (MCP) solution puts airlines firmly in control of their FX strategy — transforming a hidden source of revenue and confusing customer experience into a high-impact driver for profitability and traveler satisfaction.
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FX Box can double your net profit
Unlock ‘hidden’ revenue
In today’s competitive market, where every extra dollar counts, FX Box can deliver the additional revenue airlines need to boost profitability on every international ticket sold — without raising fares or impacting passenger experience.
By leveraging Outpayce’s platform to internalize the FX spread, airlines can redirect value that would otherwise go to issuing banks straight to their own bottom line.
To illustrate the impact, a 3–5% FX spread on a $201.40 ticket can generate $6–$10 per passenger — multiplying net profit from double to well beyond the average. This previously “hidden” lever transforms currency conversion into a strategic, scalable source of profit growth.

Net profit
Worldwide airline net profit per departing passenger (post-tax)
$6.75
3% spread
Additional currency conversion revenue @3% spread
+ $6.04
5% spread
Additional currency conversion revenue @5% spread*
+ $10.07
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Winning with FX Box:
a real airline success
FX as one of the top ancillary revenue drivers
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Outpayce FX Box helped us turn Multi-Currency Pricing into a major revenue driver — with 13% passenger adoption, yet it’s now one of our top ancillary revenue drivers. It gave us control over FX margins and helped increase MCP revenues by 20% in 2025 alone.
Bimali Malalasekara,
Digital Commerce Manager,
SriLankan Airlines
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Increase traveler satisfaction:
translate FX into traveler value
Provide
transparency
Clear, upfront FX pricing removes fee surprises or hidden costs and boosts traveler confidence directly impacting sales.
Offer choice
Travelers can easily select and switch their preferred currency at any time, avoiding the need to exit the booking flow to perform rough conversions on external currency conversion websites. Plus, by supporting all major card types, you can offer customers true flexibility, reducing checkout friction.
Build trust
By removing hidden or unexpected fees, you can foster long-term loyalty and strengthen customer relationships.
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The FX effect: your advantage
with Outpayce
Better
FX revenues

Better FX revenues
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Source mid-market FX rates from leading banks without any intermediary steps
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Choose from a variety of different operating FX models
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MCP processing on FX Box is acquirer and PSP neutral, allowing the airline to select its partners
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Build a flexible FX strategy designed for multiple market and sales channels
Fully integrated into
the travel ecosystem

Fully integrated into the travel ecosystem
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Capture 50 data sets per MCP transaction
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Connect seamlessly to banks or third-party FX providers
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FX services reporting is all available via Xchange Payment Platform, including dashboards
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Adjust FX spread by currency pair to find the best threshold for different routes
Impress travelers with
a smooth experience

Impress travelers with a smooth experience
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Deliver customer convenience by allowing them to browse offers and pay in the currency of their choice
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Offer MCP on a variety of payment methods
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Design the customer experience that works for your audience, including variable spreads and rounded marketing prices
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Refunds or chargebacks on MCP transactions are processed at the FX rate that was considered during the original payment
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Multi-Currency Pricing models: control how you source and manage FX
Outpayce FX Box supports two MCP models — Pricing and Trading.
Pricing modelYou control how the price is presented with full transparency.This is the simpler and more common MCP setup. Directly sets the rate, markup, and presentation. |
Trading modelEnsures you can offer the FX rates safely, managing FX risk in the background.This model is more dynamic and customizable, ideal for larger airlines. Determines how that rate is delivered reliably reducing volatility. |
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|---|---|---|---|
01 |
Who sets the |
The merchant (airline) and Outpayce set the exchange spreads in advance. |
The merchant (airline) and Outpayce set the exchange spreads in advance. |
02 |
How is the rate |
Typically updated daily or several times a day based on leading market rates, with a pre-defined margin added. |
Rates are pulled in live, and the airline can set its own margin per currency pair or channel. |
03 |
When is the |
The customer sees the final price in their local currency during checkout—before confirming the purchase. |
Displayed to the traveler in real-time during the payment process. |
04 |
Benefits: |
|
|
05 |
FX risk: |
None for the airline — because the rate is fixed at the time of purchase. |
Some FX exposure exists due to rate fluctuations between quote and settlement, but this can be mitigated through bank relationships or risk management strategies. |
06 |
FX rate partner: |
XE.com |
Citi or HSBC |

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Ready to turn FX into
a revenue advantage?
The journey starts here.
Outpayce FX Box is built by travel payment experts,
designed to help airlines take full control of their foreign exchange strategy.
From margin management to traveler experience,
we understand your challenges and help you deliver real impact.
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