Adaptive Currency

Adaptive Currency lets you show localized prices and accept payments in customers’ local currencies. This reduces friction at checkout and builds trust.

What Is Adaptive Currency?

Adaptive Currency displays product prices in the customer’s local currency instead of a fixed global currency (for example, USD). When enabled, checkout defaults to the detected local currency for supported countries, with the option to switch to USD. Adaptive Currency converts your base price at live exchange rates. To set your own fixed price per currency or country instead, see Localized Pricing.

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.

Enable Adaptive Currency

Open Settings

Toggle Adaptive Pricing

Enable the Adaptive Pricing toggle. You can disable it at any time.

Changes apply only to future transactions.

Confirm and Save

Save your settings.

Verify a test checkout shows prices in your local currency when supported.

Customer Experience

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

Conversion and Fees

Adaptive Currency charges the customer in their local currency using the latest exchange rates.

You pay: 0% (default) or 2–4% (when fees inclusive is enabled)
Your customers pay: 2–4% based on order value (default) or 0% (when fees inclusive is enabled)

Tiered fees applied at checkout:

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

Choose who bears the fee

By default, adaptive currency fees are added on top of your displayed price and borne by the customer. With the Fees Inclusive setting, you can absorb the fee yourself: the customer sees the same local-currency price they always would, and the fee is deducted from your settlement.

Enable Adaptive Pricing

Go to Settings → Business and enable the Adaptive Pricing toggle if you haven’t already.

Toggle Fees Inclusive

Once Adaptive Pricing is on, enable the Fees Inclusive sub-toggle in the same section.

Mode	Customer sees	Merchant settles
Exclusive (default)	Local price + 2–4% fee on top	Full base price
Inclusive	Local price (unchanged)	Base price minus the 2–4% fee

You can also override the merchant default per request by passing adaptive_currency_fees_inclusive (boolean) on a checkout session, payment, or on-demand subscription:

const session = await client.checkoutSessions.create({
  product_cart: [{ product_id: 'prod_abc', quantity: 1 }],
  adaptive_currency_fees_inclusive: true, // override the business setting for this session
  return_url: 'https://yoursite.com/return'
});

INR → INR transactions are always treated as inclusive regardless of the business setting or per-request override.

When a Localized Pricing rule matches, the transaction is always treated as inclusive, regardless of your Fees Inclusive setting or any per-request override. The customer pays exactly the localized amount you set, and the conversion fee is deducted from your settlement.

Supported Currencies

Currency Code	Currency Name	Countries	Minimum Amount
AED	UAE Dirham	United Arab Emirates	2.00 AED
ALL	Albanian Lek	Albania	50.00 ALL
AMD	Armenian Dram	Armenia	500.00 AMD
AUD	Australian Dollar	Australia, Nauru	0.50 AUD
AWG	Aruban Florin	Aruba	2.00 AWG
AZN	Azerbaijani Manat	Azerbaijan	2.00 AZN
BAM	Bosnia-Herzegovina Convertible Mark	Bosnia and Herzegovina	2.00 BAM
BDT	Bangladeshi Taka	Bangladesh	100.00 BDT
BMD	Bermudian Dollar	Bermuda	1.00 BMD
BND	Brunei Dollar	Brunei	1.00 BND
BOB	Bolivian Boliviano	Bolivia	5.00 BOB
BRL	Brazilian Real	Brazil	0.50 BRL
BSD	Bahamian Dollar	Bahamas	1.00 BSD
BWP	Botswanan Pula	Botswana	15.00 BWP
BZD	Belize Dollar	Belize	2.00 BZD
CAD	Canadian Dollar	Canada	0.50 CAD
CHF	Swiss Franc	Switzerland, Liechtenstein	0.50 CHF
CLP	Chilean Peso	Chile	1000.00 CLP
CNY	Chinese Yuan	China	4.00 CNY
CRC	Costa Rican Colón	Costa Rica	500.00 CRC
CZK	Czech Koruna	Czech Republic	15.00 CZK
DKK	Danish Krone	Denmark, Greenland	2.50 DKK
DOP	Dominican Peso	Dominican Republic	100.00 DOP
EGP	Egyptian Pound	Egypt	50.00 EGP
ETB	Ethiopian Birr	Ethiopia	100.00 ETB
EUR	Euro	Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain, Andorra, Monaco, Croatia, San Marino, Montenegro	0.50 EUR
FJD	Fijian Dollar	Fiji	2.00 FJD
GBP	British Pound	United Kingdom	0.30 GBP
GEL	Georgian Lari	Georgia	3.00 GEL
GMD	Gambian Dalasi	Gambia	100.00 GMD
GTQ	Guatemalan Quetzal	Guatemala	10.00 GTQ
GYD	Guyanese Dollar	Guyana	200.00 GYD
HKD	Hong Kong Dollar	Hong Kong	4.00 HKD
HNL	Honduran Lempira	Honduras	25.00 HNL
HUF	Hungarian Forint	Hungary	175.00 HUF
IDR	Indonesian Rupiah	Indonesia	8500.00 IDR
ILS	Israeli New Shekel	Israel	3.00 ILS
INR	Indian Rupee	India	5.00 INR
JPY	Japanese Yen	Japan	50 JPY
KRW	South Korean Won	South Korea	50 KRW
KZT	Kazakhstani Tenge	Kazakhstan	500.00 KZT
LKR	Sri Lankan Rupee	Sri Lanka	300.00 LKR
LRD	Liberian Dollar	Liberia	200.00 LRD
LSL	Lesotho Loti	Lesotho	20.00 LSL
MAD	Moroccan Dirham	Morocco	10.00 MAD
MKD	Macedonian Denar	North Macedonia	50.00 MKD
MOP	Macanese Pataca	Macau	10.00 MOP
MUR	Mauritian Rupee	Mauritius	50.00 MUR
MVR	Maldivian Rufiyaa	Maldives	15.00 MVR
MWK	Malawian Kwacha	Malawi	2000.00 MWK
MXN	Mexican Peso	Mexico	10.00 MXN
MYR	Malaysian Ringgit	Malaysia	4.00 MYR
NGN	Nigerian Naira	Nigeria	2000.00 NGN
NOK	Norwegian Krone	Norway	3.00 NOK
NPR	Nepalese Rupee	Nepal	150.00 NPR
NZD	New Zealand Dollar	New Zealand	1.00 NZD
PEN	Peruvian Sol	Peru	3.00 PEN
PGK	Papua New Guinean Kina	Papua New Guinea	4.00 PGK
PHP	Philippine Peso	Philippines	50.00 PHP
PLN	Polish Zloty	Poland	2.00 PLN
PYG	Paraguayan Guaraní	Paraguay	4000 PYG
QAR	Qatari Rial	Qatar	3.00 QAR
RON	Romanian Leu	Romania	2.00 RON
RSD	Serbian Dinar	Serbia	60.00 RSD
SAR	Saudi Riyal	Saudi Arabia	2.00 SAR
SBD	Solomon Islands Dollar	Solomon Islands	10.00 SBD
SCR	Seychellois Rupee	Seychelles	15.00 SCR
SEK	Swedish Krona	Sweden	3.00 SEK
SGD	Singapore Dollar	Singapore	0.50 SGD
SZL	Swazi Lilangeni	Eswatini	20.00 SZL
THB	Thai Baht	Thailand	25.00 THB
TOP	Tongan Paʻanga	Tonga	2.00 TOP
TRY	Turkish Lira	Turkey	20.00 TRY
TWD	New Taiwan Dollar	Taiwan	20.00 TWD
TZS	Tanzanian Shilling	Tanzania	3000.00 TZS
UYU	Uruguayan Peso	Uruguay	50.00 UYU
VND	Vietnamese Dong	Vietnam	12000 VND
WST	Samoan Tala	Samoa	2.00 WST
XAF	Central African CFA Franc	Cameroon, Central African Republic, Chad, Republic of the Congo, Equatorial Guinea, Gabon	300 XAF
XOF	West African CFA Franc	Benin, Burkina Faso, Côte d’Ivoire, Guinea-Bissau, Mali, Niger, Senegal, Togo	300 XOF
ZAR	South African Rand	South Africa	20.00 ZAR
ZMW	Zambian Kwacha	Zambia	30.00 ZMW

Refunds and Adjustments

Dodo Payments issues refunds in the currency the customer originally paid, using the latest exchange rate. The global USD amount remains fixed on your dashboard, invoices, and in the refund. This means the customer may receive more or less than the original local‑currency amount depending on FX changes.

Adaptive Currency fees which are generally the FX fees are not refunded.

Example refund

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

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.

All amounts are rounded according to Dodo Payments’ internal rounding logic.

Integration Examples

Checkout Sessions with billing currency Pass billing_currency to explicitly set the billing currency for the session.

When Adaptive Pricing is disabled, billing_currency is ignored.

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'
});

Checkout Session

Configure Billing Currency using our Checkout Session API.

Getting Started

Features

Integrate

Merchant of Record

Miscellaneous

What Is Adaptive Currency?

Key Benefits

Enable Adaptive Currency

Customer Experience

Conversion and Fees

Choose who bears the fee

Supported Currencies

Refunds and Adjustments

Invoices and Taxation

Integration Examples

Checkout Session

​What Is Adaptive Currency?

​Key Benefits

​Enable Adaptive Currency

​Customer Experience

​Conversion and Fees

​Choose who bears the fee

​Supported Currencies

​Refunds and Adjustments

​Invoices and Taxation

​Integration Examples

Checkout Session

What Is Adaptive Currency?

Key Benefits

Enable Adaptive Currency

Customer Experience

Conversion and Fees

Choose who bears the fee

Supported Currencies

Refunds and Adjustments

Invoices and Taxation

Integration Examples