Abstract: A system is configured to determine whether a first exchange rate at the time of authorization is eligible to be used as the exchange rate at the time of clearing. The system evaluates the transaction with a scoring model and stores eligible transactions in a rate matching database. The system further evaluates the transaction with a cross-currency transaction policy, according to the currency exchange rate between a foreign currency and the domestic currency of the cardholder. The system queries the rate matching database to retrieve the first exchange rate stored at the time of authorization.