Adaptive Pricing

Adaptive Pricing lets your customers pay in their local currency in more than 150 countries.

With Adaptive Pricing, Stripe lets customers pay in their local currency and handles all currency conversion. We use the buyer’s public IP address to infer the presentment currency. Enabling Adaptive Pricing can increase both conversion rates and international revenue from global buyers.

Use Adaptive Pricing to:

• Display pricing in local currencies based on location
• Calculate prices in real-time using an exchange rate guaranteed for 24 hours
• Unlock payment methods that require local currency
• Facilitate your compliance when presenting supported currencies

Integration effort

Low-code

Fees

View information on fees and our FAQ.

UI customization

Place currency selection anywhere on your checkout page.

See our support page for more information.

Supported currencies

Businesses in supported regions can automatically convert prices to the local currencies of their customers in the following markets:

Restrictions

Adaptive Pricing doesn’t currently work with Connect or Elements with the Payment Intents API.

Additionally, Adaptive Pricing requires the currency for your prices to be the same as your default settlement currency. Prices automatically convert during checkout. This applies to prices you create and reference with a price ID and prices you create inline with price_data when you create a Checkout Session.

Adaptive Pricing doesn’t apply for Checkout Sessions that:

• Contain explicitly defined manual currency prices.
• Are in subscription mode.
• Use Connect parameters like application_fee_amount, on_behalf_of, and transfer_data.
• Use capture_method as manual.
• Set the currency value on creation.
• Present the customer a local currency that is also configured as a settlement currency. For example, suppose an account settles in both EUR and GBP. If they price in EUR, customers with local currency GBP don’t see Adaptive Pricing. Customers with a local currency other than EUR or GBP, such as JPY, see Adaptive Pricing.

Checkout Sessions that aren’t supported by Adaptive Pricing present prices in the original currency that you’ve set your prices in.

Pricing

• You pay 0%
• Your buyers pay 2-4%

You (the business) don’t directly pay any additional fees for Adaptive Pricing, as all such fees are paid for by your customers. Stripe applies a conversion fee of between 2-4% to the exchange rate you present to your customers, increasing their purchase price by a corresponding amount. The fee applied is determined by Stripe and varies for the purposes of increasing customer conversion. Stripe typically charges a fee of 4% for orders under 500 USD, 3% for 500–1,500 USD, and 2% for orders over 1,500 USD. For detailed information about current Stripe fees, see our pricing page.

Exchange rate

Stripe uses the mid-market exchange rate and applies a fee to guarantee the rate for the duration of the Checkout Session (up to 24 hours) through settlement. If the exchange rate changes by more than 5% in that time, Stripe might use the updated exchange rate to calculate your payout.

Learn more about how Stripe handles currency conversions and Adaptive Pricing fees.

Refunds

Stripe pays out refunds in the currency your customer pays in using the latest Stripe-provided exchange rate. This means that you might pay more or less to cover the refund depending on how the exchange rate changes.

Example refund

We ignore Stripe fees in this example for simplicity. Suppose:

1. You’re a US business that uses Checkout to sell a product for 100 USD and have activated Adaptive Pricing.
2. A customer in Canada views your Checkout page, sees the localized price of 137 CAD at an exchange rate of 1.37 CAD per 1 USD, and completes the purchase.
3. Stripe processes the payment, converting the 137 CAD to 100 USD to pay you in your settlement currency.
4. Later, when the exchange rate has changed to 1.40 CAD per 1 USD, you issue a full refund to the customer.
5. Stripe deducts 97.86 USD from your account, exchanging it at 1.40 CAD per 1 USD to pay out the 137 CAD refund.

Learn more about how Stripe helps you manage refunds.