# Lokalkan harga Present and charge customers in more than [135 currencies](https://docs.stripe.com/currencies.md), which can increase conversion rates and lower processing costs. ## Opsi transaksi lokal | | | | | **[Adaptive Pricing](https://docs.stripe.com/payments/currencies/localize-prices/adaptive-pricing.md)** Secara otomatis mengonversi harga ke mata uang lokal pelanggan dengan upaya integrasi minimal. | **[FX Quotes API](https://docs.stripe.com/payments/currencies/localize-prices/fx-quotes-api.md)** Pilih mata uang yang akan dilokalkan, kunci nilai tukar, dan putuskan jika akan meneruskan biaya kepada pelanggan Anda. | **[Manual currency prices](https://docs.stripe.com/payments/checkout/localize-prices/manual-currency-prices.md)** Atur harga secara manual dalam mata uang yang berbeda untuk menawarkan harga statis yang sama tetapi dengan risiko pertukaran yang lebih besar. | ## Bandingkan fitur dan ketersediaan | | Adaptive pricing (Direkomendasikan) | FX Quotes API | Manual currency prices | | --------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ | --------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | Kompleksitas integrasi | Complexity: 1/5 | Complexity: 3/5 Penulisan kode diperlukan untuk mengurangi risiko kurs | Complexity: 4/5 Paling banyak terlibat langsung dan paling banyak ketidakpastian kurs | | Terbaik saat | Sasaran Anda adalah mengoptimalkan rasio konversi di pasar internasional secepatnya. Anda merasa nyaman mengotomatiskan konversi mata uang karena tidak ingin khawatir tentang mata uang, risiko nilai tukar, atau biaya FX sama sekali. Dirancang untuk sebagian besar kasus penggunaan umum. | Anda ingin kontrol lebih besar atas cara harga dilokalkan. Mengurangi ketidakpastian dari fluktuasi nilai tukar adalah prioritas. Anda memiliki sumber daya teknis untuk mengelola integrasi. | Anda menginginkan skema biaya statis dan konsisten serta bersedia menyerap fluktuasi nilai tukar mata uang. Anda bersedia melakukan upaya tambahan yang diperlukan untuk tetap mendapat informasi tentang fluktuasi mata uang. | | Ketersediaan | Global Automatically convert prices to [over 100 currencies](https://docs.stripe.com/payments/currencies/localize-prices/adaptive-pricing.md?payment-ui=stripe-hosted#supported-currencies) | Businesses in [supported regions](https://docs.stripe.com/payments/currencies/localize-prices/fx-quotes-api.md#availability) Automatically convert prices to [over 135 currencies](https://docs.stripe.com/currencies.md#presentment-currencies) Use extended rate quotes for [114 local currencies](https://docs.stripe.com/payments/currencies/localize-prices/fx-quotes-api.md#pricing) | Global | | Integrasi yang didukung | [Payment Links](https://docs.stripe.com/payment-links.md) [Checkout](https://docs.stripe.com/payments/checkout.md) [Elements](https://docs.stripe.com/payments/elements.md) dengan [Checkout Sessions API](https://docs.stripe.com/api/checkout/sessions.md) | [Payment Intents](https://docs.stripe.com/api/payment_intents.md) [Transfer](https://docs.stripe.com/api/transfers.md) [Connect](https://docs.stripe.com/connect/currencies.md) | Semua integrasi Stripe | | Risiko kurs | Stripe mengelola risiko nilai tukar untuk Anda. | You can access the Stripe real-time exchange rate and lock in that rate for 5 minute, 1 hour, and 24 hour periods. If the exchange rate changes by more than 3.5%, the rate lock expires. You can use the [webhook](https://docs.stripe.com/payments/currencies/localize-prices/fx-quotes-api.md#quote-durations-and-rate-changes) to handle expired quotes. | Harga tidak diperbarui berdasarkan fluktuasi nilai tukar. Anda menetapkan harga statis untuk setiap produk. | | Skema biaya1 | Biaya 0% yang dibayarkan oleh pengguna Stripe Stripe applies a 2–4% conversion fee to the exchange rate you present to your customers, increasing their purchase price by a corresponding amount. | [Biaya konversi mata uang](https://stripe.com/pricing) tergantung lokasi dan contoh penggunaan. Extended rate quotes [incur an additional fee](https://docs.stripe.com/payments/currencies/localize-prices/fx-quotes-api.md#pricing), which you can choose to pass on to your customers. | Biaya 0% yang dibayarkan oleh pengguna Stripe | | Pengalaman pelanggan Anda | Pelanggan Anda dapat melihat harga lokal pada saat checkout. | Pelanggan dapat melihat harga lokal di situs web Anda dan saat checkout. | Harga pelanggan Anda tidak akan berubah kecuali Anda memantau fluktuasi nilai tukar dan memperbarui harga sendiri. | | The impact on your business | Tidak ada perubahan yang diperlukan pada alur kerja back office Anda. Anda akan selalu menerima semua transaksi dalam mata uang pilihan Anda. | Anda dapat mengelola beberapa mata uang sendiri dengan memanggil FX Quotes API. | You need to handle multiple currencies in your back office workflows. | 1 Biaya transaksi standar Stripe berlaku. Lihat [halaman skema biaya](https://stripe.com/pricing) untuk detail selengkapnya tentang biaya-biaya ini. ## Exchange rate When Stripe provides currency conversion services for transactions, we generally apply the mid-market rate based on pricing data sourced from third-party service providers. Mid-market rate is the average between the buy and the sell price of a currency. Currency conversion on Stripe is subject to fees as detailed on [our pricing page](https://stripe.com/pricing). In certain circumstances, Stripe might apply the rate at which we source the currency owed to you. For example, this can happen if a government mandates a new exchange rate or if there’s a large discrepancy in rates between our service providers. Stripe does so to mitigate exchange rate risk to you and to Stripe. In rare cases, Stripe might take other actions to mitigate risk. If we do so, we’ll provide additional notice to you. ## Conversions on disputes and refunds If a currency-converted payment is disputed or refunded, the amount you received is converted to the *presentment currency* (The presentment currency is the currency the customer uses to make a payment) at the current exchange rate. Exchange rates fluctuate with the market, so the rate used during the payment can differ from the rate used when a dispute or refund occurs. The amount deducted from your merchant balance depends on the current rate and this amount might be more or less than the original payment. We always refund the customer the exact amount they paid and in the currency they paid in, regardless of any rate fluctuations. For example, if your settlement currency is EUR and you process a 60 USD payment at a rate of 0.88 EUR per 1 USD, the converted amount is 52.80 EUR (excluding the Stripe fee). If the rate is 0.86 EUR per 1 USD at the time of refund, the amount deducted from your account balance is 51.60 EUR. Learn more about how Stripe helps you manage [refunds](https://docs.stripe.com/refunds.md).