Credit cards are unavailable to or underused by huge parts of the emerging middle class in Brazil, China, and many other countries. AstroPay, the largest cross-border payment services provider in Latin America and a new player in China, provides a fraud-reducing payment card solution that enables merchants to more safely accept payments from individuals in high-fraud areas. The company recently completed a successful program that could enables millions in China who hitherto lack access to credit cards the ability to purchase international goods, including from the US – potentially causing an interesting reverse flow of trade.