> ## Documentation Index
> Fetch the complete documentation index at: https://docs.dodopayments.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Adaptive Currency
> Display prices in each customer's local currency to reduce friction and improve conversion. Automatic detection, conversion, and same‑currency refunds.
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.
## 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
Log in to your Merchant Dashboard and go to Settings → Business.
Enable the Adaptive Pricing toggle. You can disable it at any time.
Changes apply only to future transactions.
Save your settings.
Verify a test checkout shows prices in your local currency when supported.
## 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.
## 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.
Go to **Settings → Business** and enable the Adaptive Pricing toggle if you haven't already.
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:
```typescript theme={null}
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.
## 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 |
| ARS | Argentine Peso | Argentina | 1000.00 ARS |
| 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, 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 |
| 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 |
| 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 |
| WST | Samoan Tala | Samoa | 2.00 WST |
| 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**
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.
## 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.
```typescript theme={null}
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'
});
```
Configure Billing Currency using our Checkout Session API.