Adaptive Currency
Show customers prices and accept payment in their local currency.
Adaptive Currency shows your customers prices in their local currency and lets them pay in it. If your store is priced in EUR and a customer is browsing from the US, they'll see and can pay in USD. Customers can still choose to pay in your store's base currency at checkout if they prefer.
Adaptive Currency is enabled by default on every store and available at no additional cost on every plan, Free and up.
How It Works
When a customer visits your storefront, PayNow detects their country either from their IP address, or from a country header passed by your integration and converts prices into the currency for that region.
At checkout, the customer can switch back to your store's base currency at any time if they'd rather pay in it.
Why It Matters
Higher payment approval rates. Card networks approve local-currency charges more often than cross-currency ones, so more payments go through.
No foreign transaction fees for your customer. Their bank doesn't charge an FX fee on the purchase, and PayNow's rates beat most banks.
Regional payment methods become available. Local payment methods like iDEAL, Klarna, Cash App Pay, and others can show up for customers in their region even if your store is priced in a different base currency.
Less confusion at checkout. Customers see familiar numbers in a currency they use every day.
Who Carries The FX Risk
PayNow carries the full foreign exchange risk. If rates move between checkout and settlement or on refunds, subscription renewals, or anything else PayNow absorbs the difference.
There is no extra fee charged to you. The conversion cost is built into the exchange rate shown to the customer.
Supported Currencies And Regions
Adaptive Currency currently supports:
USD – United States
GBP – United Kingdom
EUR – Eurozone
Coming soon: CAD (Canada) and AUD (Australia), with additional currencies rolling out over time.
Configuring Adaptive Currency
Adaptive Currency is configured from Store → Settings → Payment Settings. You'll find two controls:
Enable Adaptive Currency – the master toggle. Turning this off disables the feature entirely for your store.
Show Adaptive Currency on storefront – controls whether customers see their local currency on your storefront by default. With this off, prices display in your base currency on the storefront, but customers can still switch to their local currency at checkout.
Both toggles are on by default. Most stores should leave them on — Adaptive Currency improves conversion without adding any cost or work on your side.
Custom Storefronts
If you're running a custom storefront or headless integration, Adaptive Currency works automatically as long as you pass the recommended country header documented in the API reference.
For custom customer-facing pages that display past order or subscription amounts (like an order history page), use the presentment_ fields on the order and subscription objects so customers see the amount they actually paid in their own currency.
See the PayNow API documentation for the full details.
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