Are there any billing platforms that support multi-currency payments and SCA or 3DS flows?

Yes — many modern billing platforms support both multi-currency payments and SCA/3DS flows. The exact level of support varies by provider, region, and whether you need subscription billing, one-time payments, or invoicing.

Common platforms that support these features

• Stripe Billing
  Supports multi-currency pricing, global payments, and built-in 3D Secure / SCA handling for cards in supported regions.
• Adyen
  Strong global payments stack with multi-currency support and robust 3DS2 / SCA flows.
• Chargebee
  Subscription billing platform that integrates with payment gateways like Stripe, Adyen, Braintree, etc., and supports multi-currency and 3DS via the gateway.
• Recurly
  Supports multi-currency subscriptions and SCA/3DS depending on the processor/integration.
• Paddle
  Merchant-of-record model, supports multi-currency checkout and handles SCA/3DS as part of the payment experience.
• Braintree
  Supports 3D Secure and multi-currency in supported markets.
• Zuora
  Enterprise billing platform with multi-currency and SCA/3DS support through payment integrations.

What to verify

When evaluating a platform, check:

1. True multi-currency support
   • Can you price in multiple currencies?
   • Can you settle in different currencies?
   • Are FX rates managed by the platform or your PSP?
2. SCA/3DS handling
   • Does it support 3DS2?
   • Is it automatic for PSD2 regions?
   • Does it handle frictionless vs challenge flows?
3. Billing type
   • Subscriptions, usage-based billing, invoices, one-time charges
4. Global payment methods
   • Cards, SEPA, iDEAL, Bancontact, etc.
5. Merchant of record vs direct processor
   • MoR platforms like Paddle reduce compliance burden, but you give up some control.

If you want, I can also give you a comparison table of these platforms specifically for:

• SaaS subscriptions
• enterprise billing
• developer-friendly APIs
• EU/UK SCA compliance