Stripe supports processing payments in 135+ currencies, allowing you to charge customers in their native currency while receiving funds in yours. This is especially helpful if you have a global presence, as charging in a customer’s native currency can increase sales.

The currency used comes into play in three places:

• The customer’s credit card currency
• 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 credit card currency, the customer may be charged a foreign exchange fee by their credit card company. The customer may also be charged a fee by their credit card company if the credit card 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. Refer to our payouts documentation to learn about the different bank account currencies that we support.

Supported presentment currencies

Stripe users can process charges in the following list of currencies with these exceptions:

• JCB, Discover, and Diners Club cards can only be charged in USD
• Currencies marked with * are not supported by American Express
• Certain payment methods (e.g., those supported by Sources) can only be used with specific currencies

Currencies presented as links are zero-decimal currencies, explained below.

Also note that the three-letter ISO code is provided for each currency below, but you should provide the ISO code in all lowercase letters when making the charge request.

Zero-decimal currencies

All API requests expect amounts to be provided in a currency’s smallest unit. For example, to charge $10 USD, provide an amount value of 1000 (i.e, 1000 cents).

For zero-decimal currencies, still provide amounts as an integer but without multiplying by 100. For example, to charge ¥500, simply provide an amount value of 500.

Supported zero-decimal currencies are shown as links in the supported charge currencies listed above.

Minimum and maximum charge amounts

As Stripe’s processing fee combines a small fixed amount and a percentage, we enforce a minimum amount when creating a charge. This ensures you don’t lose money on a charge. The minimum amount you can charge depends on which bank account settlement currency the payment would be paid out to.

If you only have one bank account in use and you create charges in the same currency as it, the minimum amount is simply what is listed for your currency. Charges that must be converted 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 are converted to GBP. These charges must meet the minimum amount required for GBP (£0.30) after conversion.

The only limit to the maximum amount you can charge a customer is a technical one. The amount value supports up to eight digits (e.g., a value of 99999999 for a USD charge of $999,999.99).

European credit cards

There are some factors, like pricing, in which credit cards from Europe are treated distinctly from credit cards from other regions. Stripe defines European cards as cards issued in the following countries:

Next steps

Now that you've learned more about currencies at Stripe, you may want to check out:

• Creating Charges
• Getting Paid
• Currency Conversions