Supported currencies

You can charge customers in one of more than 135 native currencies and receive funds in your currency. Businesses that have a global presence find this helpful because charging in a customer’s native currency can increase sales.

Currency presentment and settlement

Currency comes into play in three places:

• The customer’s credit card currency
• The currency of the charge, called the presentment currency
• The currency accepted by your destination bank account or debit card, called the settlement currency

If the charge currency differs from the customer’s credit card currency, the customer may be charged a foreign exchange fee by their credit card company. The customer may also be charged a fee by their credit card company if the credit card and your business are in different countries, regardless of the currency used.

If the charge currency differs from your settlement currency, Stripe converts the charge to your settlement currency. Refer to our payouts documentation to learn about the different bank account currencies that we support. For information on pricing, see the pricing guide.

Supported presentment currencies

Zero-decimal currencies

All API requests expect amounts to be provided in a currency’s smallest unit. For example, to charge 10 USD, provide an amount value of 1000 (that is, 1000 cents).

For zero-decimal currencies, still provide amounts as an integer but without multiplying by 100. For example, to charge ¥500, provide an amount value of 500.

Zero-decimal currencies:

• BIF
• CLP
• DJF
• GNF
• JPY
• KMF
• KRW
• MGA
• PYG
• RWF
• UGX
• VND
• VUV
• XAF
• XOF
• XPF

Special cases

The following currencies have special conditions that you need to consider when creating payouts or charges.

Minimum and maximum charge amounts

As Stripe’s processing fee combines a small fixed amount and a percentage, we enforce a minimum amount when creating a charge. This ensures you don’t lose money on a charge. The minimum amount you can charge depends on which bank account settlement currency the payment would be paid out to.

If you only have one bank account in use and you create charges in the same currency as it, the minimum amount is simply what is listed for your currency. Charges that must be converted into your account’s default settlement currency must meet the equivalent minimum of the settlement currency. For example, if you have GBP and USD bank accounts, with GBP set as your default currency, any non-USD charges you create are converted to GBP. These charges must meet the minimum amount required for GBP (£0.30) after conversion.

There are some exceptions to the minimum charge amount limit (amount values as low as 1 is allowed) when you are creating payments with certain payment methods, such as iDEAL.

The only limit to the maximum amount you can charge a customer is a technical one. The amount value supports up to twelve digits for IDR (for example, a value of 999999999999 for a charge of 9,999,999,999.99 IDR), up to nine digits for INR (for example, a value of 999999999 for a charge of 9,999,999.99 INR) and up to eight digits for all other currencies (for example, a value of 99999999 for a charge of 999,999.99 USD).

Card networks can impose charge amount limits that are more restrictive than twelve digits.

European credit cards

There are some factors, like pricing, in which credit cards from Europe are treated distinctly from credit cards from other regions. Stripe defines European cards as cards issued in the following countries: