Several parts combine into one character.

貨 is a phonetic-semantic compound: 化 (huà, "to transform / change") on top + 貝 (cowrie shell / ancient currency) on the bottom. The composite reads as "what gets exchanged using shells" = goods, merchandise, commodity. The 貝 (shell) radical preserves a deep historical memory: before metal coinage, ancient China used cowrie shells as currency. The shell radical anchors nearly every word for money, wealth, and exchange in CJK: 財 (wealth), 貨 (goods), 貯 (savings), 賃 (rent / wages), 買 (buy), 賣 (sell), 賞 (reward). All money-related vocabulary lives under the cowrie radical, even in our age of digital payments. Mainland simplified to 货.

Korean reading "hwa." 貨幣 (hwapye, currency — formal economic term), 財貨 (jaehwa, wealth / goods), 貨物 (hwamul, cargo / freight — used in shipping and aviation: 화물선 hwamulseon = cargo ship), 百貨店 (baekhwajeom, "hundred-goods store" = department store — Korean shopping vocabulary), 硬貨 (gyeonghwa, "hard currency" = coin / specie). Korean economic and commercial discourse runs heavily on 화 vocabulary.

Mandarin huò, 4th tone (simplified 货). 货 (huò, goods), 货物 (huòwù, merchandise), 百货 (bǎihuò, "hundred-goods" = general merchandise / department-store goods — 百货公司 bǎihuò gōngsī = department store), 送货 (sònghuò, "to deliver goods" — keyword of modern Chinese e-commerce: every Taobao order tracks 送货 status), 货币 (huòbì, currency), 国货 (guóhuò, domestic goods — patriotic-consumption rhetoric), 假货 (jiǎhuò, counterfeit goods).

Japanese on-reading カ (ka) — 貨幣 (kahei, currency — formal/financial), 貨物 (kamotsu, cargo — used in 貨物列車 kamotsu ressha "freight train"), 百貨店 (hyakkaten, "hundred-goods store" = department store — Japanese term, often abbreviated to デパート depāto from English), 外貨 (gaika, "foreign currency" = foreign exchange), 硬貨 (kōka, hard currency / coin). Japan keeps 貨 strictly in the on-reading カ; there is essentially no kun-reading.

Memory aid: 化 (transform) + 貝 (cowrie shell) — what shells transform into through trade = goods. The cowrie shell radical 貝 marks all money words.