Localize prices
You can present and charge customers in more than 135 currencies, increasing conversion rates and lowering processing costs.
Local presentment options 
Automatically convert prices to a customer’s local currency with minimal integration effort. | Select which currencies to localize, lock in exchange rates, and decide whether to pass along fees to your customers. | Manually set prices in different currencies to offer the same static pricing but with greater exchange risk. |
Compare features and availability
| ADAPTIVE PRICING Recommended | FX QUOTES API | MANUAL CURRENCY PRICES | |
|---|---|---|---|
Integration complexity | No code | Some code Coding required to reduce FX risk | API Most hands-on and most FX uncertainty |
Best when | Designed for most common use cases. Your goal is to optimize conversion rates in international markets as soon as possible. You’re comfortable automating currency conversion because you don’t want to worry about currencies, exchange rate risk, or FX fees at all. | You want more control over how prices are localized. Reducing the uncertainty from exchange rate fluctuations is a priority. You have technical resources to manage the integration. | You want static, consistent pricing and are willing to absorb fluctuations in a currency’s exchange rates. You’re willing to take on the additional effort required to stay informed about currency fluctuations. |
Availability | Globally Automatically convert prices to over 100 currencies | Businesses in supported regions Automatically convert prices to over 135 currencies Use extended rate quotes for 114 local currencies | Globally |
Integrations supported | Elements with the Checkout Sessions API | All Stripe integrations | |
FX risk | Stripe manages exchange rate risk for you. | You can access Stripe’s real-time exchange rate and lock in that rate for 5 minutes, 1 hour, and 24 hour periods. If the exchange rate changes by more than 3.5%, the rate lock will expire. You can use the webhook to handle expired quotes. | Prices aren’t updated based on exchange rate fluctuations. You set static prices for each product. |
Pricing1 | 0% fee paid by Stripe users 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. | Currency conversion fee depending on location and use case. Extended rate quotes incur an additional fee, which you can choose to pass on to your customers. | 0% fee paid by Stripe users |
| Your customers’ experience | Your customers can see localized prices at the time of checkout. | Customers can see localized prices on your website and at checkout. | Your customers’ prices won’t change unless you monitor exchange rate fluctuations and update prices yourself. |
| Your business’s involvement | No changes required to your back office workflows. You’ll always receive all transactions in your preferred currency. | You can manage multiple currencies yourself by calling the FX Quotes API. | You’ll need to handle multiple currencies in your back office workflows. |
1 Stripe’s standard transaction fees apply. See the pricing page for more details about these fees.
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. In certain circumstances, Stripe might apply the rate at which we source the currency owed to you. For example, this can happen if a new exchange rate is mandated by a government or if there is a large discrepancy in rates between our service providers. Stripe does so to mitigate exchange rate risk to you and to Stripe. Rarely, Stripe may take other actions to mitigate risk. If we do so, we’ll provide additional notice to you.