Adaptive Pricing

Enable Adaptive Pricing in your payment settings in the Dashboard. You can enable Adaptive Pricing in test mode and live mode. Disabling Adaptive Pricing doesn’t affect Checkout Sessions that have already been converted.

Adaptive Pricing works with Checkout, Payment Links, pricing tables, and local payment methods.

You can configure which payment methods you accept in your payment methods settings.

Adaptive Pricing can increase the usage of local payment methods by ensuring customers have the option to pay in their currency and with payment methods most relevant to them. As an example, 70% of all e-commerce transactions in the Netherlands use iDEAL, but it only works with EUR.

Adaptive Pricing enables the following payment methods:

• Alipay
• Bancontact
• BLIK
• Canadian pre-authorized debit
• EPS
• iDEAL
• PayPal
• P24
• SEPA Debit
• Sofort
• Swish
• WeChat Pay

Enabling Adaptive Pricing can affect some parts of your integration, such as event destinations and reporting. Review your integration to make sure any event destinations can handle PaymentIntent objects with local currencies.

• Use the currency_conversion hash on the Checkout Session object to determine what your customer would have paid in the default currency.
• Use the BalanceTransactions API to determine how much you receive after fees.

Depending on the user-selected currency, both the Checkout Session and the underlying PaymentIntent objects update automatically to reflect the selected currency and amount. After a user pays in local currency, the Checkout Session object’s currency and total amount is in local currency and contains a currency_conversion hash to reflect what the user would have paid in the default currency. Learn more about what’s deposited in your account after fees.

The checkout.session.completed event contains a currency_conversion hash that includes the amount_total and amount_subtotal in the source_currency. The amounts reflect what your customer would have paid in the source currency.

{
  "id": 
'{{EVENT_ID}}',
  "object": "event",
  "type": "checkout.session.completed",
  "data": {
    "object": {
      "id": 
'{{SESSION_ID}}',
      "object": "checkout.session",
      "currency": "cad",
      "amount_total": 2055,
      "amount_subtotal": 2055,
      "currency_conversion": {
        "amount_subtotal": 1500,
        "amount_total": 1500,
        "source_currency": "usd",
        "fx_rate": "1.37"
      }
    }
  }
}

To test local currency presentment for Checkout, Payment Links, and the pricing table, pass in a location-formatted customer email that includes a suffix in a +location_XX format in the local part of the email. XX must be a valid two-letter ISO country code.

For example, to test currency presentment for a customer in France, pass in an email like test+location_FR@example.com.

When you visit the URL for a Checkout Session, Payment Link, or pricing table created with a location-formatted email, you see the same currency as a customer does in the specified country.

Testing Checkout

When you create a Checkout Session, pass the location-formatted email as customer_email to simulate Checkout from a particular country.

curl https://api.stripe.com/v1/checkout/sessions \
  -u 
sk_test_4eC39HqLyjWDarjtT1zdp7dc: \
  -d "line_items[0][price]"="{{PRICE_ID}}" \
  -d "line_items[0][quantity]"=1 \
  -d mode=payment \
  -d success_url="https://example.com/success" \
  --data-urlencode customer_email="test+location_FR@example.com"

You can also create a Customer and specify their email that contains the +location_XX suffix. Stripe test cards work as usual.

When it’s possible to present the customer’s local currency in Checkout, the Checkout Session object changes. Fields like currency, payment_method_types, and amount_total reflect the local currency and price.

Testing Payment Links

For Payment Links, pass the location-formatted email as the prefilled_email URL parameter to test currency presentment for customers in different countries.

Testing Pricing table

For the pricing table, pass the location-formatted email as the customer-email attribute to test currency presentment for customers in different countries.