You can charge customers in more than 135 currencies and receive funds in your preferred currency. Converting prices to local currencies can improve customer conversion and authorization rates, while lowering payment processing costs at the same time.

Currency presentment and settlement

Currency affects three aspects of Stripe payments:

• The customer’s payment method currency, such as their credit card or bank account
• The currency of the charge, called the presentment currency
• The currency accepted by your destination bank account or debit card, called the settlement currency

If the charge currency differs from the customer’s payment method currency, their bank or card issuer might charge the customer a foreign exchange fee. The bank or card issuer might also charge the customer if the payment method and your business are in different countries, regardless of the currency used.

If the charge currency differs from your settlement currency, Stripe converts the charge to your settlement currency, with multiple options for presenting, converting, and charging customers in different currencies.

In certain countries, Stripe might support settlement in additional currencies. If you need liquidity in additional currencies, you can enable settlement in those currencies and add a bank account in your payout settings of your Dashboard. Our payouts documentation lists the different bank account currencies we support. See Stripe pricing for conversion costs.

Supported presentment currencies

Minor units in API amounts

All API requests expect amount values in the currency’s minor unit. For example, enter:

• 1000 to charge 10 USD (or any other two-decimal currency).
• 10 to charge 10 JPY (or any other zero-decimal currency).

Two-decimal currencies

Currencies are two-decimal currencies unless otherwise specified.

Zero-decimal currencies

For the following zero-decimal currencies, the charge and the amount are the same, without requiring multiplication. For example, to charge 500 JPY, provide an amount value of 500.

• BIF
• CLP
• DJF
• GNF
• JPY
• KMF
• KRW
• MGA
• PYG
• RWF
• UGX
• VND
• VUV
• XAF
• XOF
• XPF

Special cases

The following currencies have special conditions that you need to consider when creating payouts or charges.

Minimum and maximum charge amounts

Stripe enforces a minimum payment amount for all charges to make sure the Stripe fee doesn’t exceed your charge. The minimum amount you can charge depends on the payout bank account settlement currency.

Subscription charges support zero-amount charges to account for coupons and free trials. However, any non-zero amount is still subject to the applicable minimum.

If you only have one bank account, the minimum amount shown applies to all charges in the same currency as the account. Charges requiring conversion into your account’s default settlement currency must meet the equivalent minimum of the settlement currency. For example, if you have GBP and USD bank accounts, with GBP set as your default currency, any non-USD charges you create convert to GBP. These charges must meet the minimum amount required for GBP (£0.30) after conversion.

Exceptions to the minimum charge amount apply to some payment methods, such as iDEAL (allows amount values as low as 1).

In general, the number of allowed digits limits the maximum amount you can charge a customer. The amount value supports up to:

• 12 digits for IDR, for a maximum charge of 9,999,999,999.99 IDR (999999999999)
• 9 digits for IDR with American Express, for a maximum charge of 9,999,999.99 IDR (999999999)
• 9 digits for INR, for a maximum charge of 9,999,999.99 INR (999999999)
• 8 digits for all other currencies, for a maximum charge of 999,999.99 (99999999)

When accepting card payments, these currencies support higher maximum amounts:

• 12 digits for LBP, for a maximum charge of 9,999,999,999.99 LBP (999999999999)
• 10 digits for COP, for a maximum charge of 9,999,999,999.9 COP (9999999999999)
• 10 digits for HUF, for a maximum charge of 9,999,999,999 HUF (9999999999999)
• 10 digits for JPY, for a maximum charge of 9,999,999,999 JPY (9999999999999)

Card networks can impose charge amount limits that are more restrictive than digit number.

European credit cards

Some factors, like pricing, result in distinct treatment of credit cards from Europe compared to credit cards from other regions. Stripe defines European cards as cards issued in the following countries:

Countries with foreign exchange control

Remittance to or from countries with foreign exchange control (including, but not limited to, Brazil) is carried out exclusively through authorized channels, pursuant to the legislation applicable in those countries.