Adaptive Currency

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What Is Adaptive Currency?

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Key Benefits

• Localized payment experience: Prices appear in local currency by default.
• More payment methods: Unlocks payment methods available for the local currency.
• Same‑currency refunds: Refund the customer in the currency they paid with.

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Enable Adaptive Currency

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Customer Experience

1. Detection: The system detects the customer’s country based on the billing address.
2. Currency selection: If the country is supported, prices show in the local currency by default. Customers can switch to USD.
3. Payment methods: Localized payment methods appear where applicable.
4. Checkout: Payment is completed in the selected currency.

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Conversion and Fees

• You pay: 0%
• Your customers pay: 2–4% based on order value

• 4% for orders under $500
• 3% for 500 to $1,500
• 2% for over $1,500

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Supported Currencies

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Refunds and Adjustments

1. You sell a product for 100 USD with Adaptive Currency enabled.
2. A Canadian customer sees 137 CAD at an exchange rate of 1.37 CAD per 1 USD and completes the purchase.
3. We process the payment, converting 137 CAD to 100 USD for your settlement.
4. Later, the exchange rate changes to 1.40 CAD per 1 USD and you issue a full refund.
5. We deduct 100 USD and refund the customer 140 CAD.

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Invoices and Taxation

• Invoices show only the settlement currency amount.
• Taxes and platform fees are calculated on the settlement currency amount.
• Example: a $10 sale converted to 36 AED still reflects as $10 in the Dashboard and invoices.

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Integration Examples

const session = await client.checkoutSessions.create({
  product_cart: [
    {
      product_id: 'prod_one_time_or_subscription',
      quantity: 1
    }
  ],
  billing_currency: 'AED',
  return_url: 'https://example.com/return'
});