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  3. Currencies with WooCommerce Payments

Currencies with WooCommerce Payments

With WooCommerce Payments, it is possible to accept payments in over 100 different currencies. This document provides details of how multi-currency transactions work. It starts by outlining the different types of currencies that may be involved in a transaction and then provides instructions for tracking the currencies and conversions relating to a transaction when your store is set up for multiple currencies.

To learn how to present your store’s products in your customer’s preferred currency, refer to the multi-currency with WooCommerce Payments guide.

To see a complete list of the currencies that can be used with WooCommerce Payments, refer to the FAQ for available currencies.

Currencies in a transaction ↑ Back to top

A single transaction can have multiple currencies, like the currency the customer pays in and the currency used for deposits into your bank account for the balance of the transaction.

Customer currency ↑ Back to top

The customer currency is the currency presented to a customer when browsing your store. It is also the currency the customer is charged in when paying for an order. In the payments industry, this is often referred to as the presentment currency.

By default, the currency is the same as your store’s currency, as defined on WooCommerce > Settings > General screen. It can also be set using a multi-currency plugin to vary depending on the customer’s location or choice.

A single store may have more than one customer currency used in transactions.

Deposit currency ↑ Back to top

The deposit currency is the currency used for deposits into your bank account. This does not have to be the same as the customer currency. For example, a store based in Great Britain may get paid deposits in Pound sterling, while offering the Euro as a currency for customers to pay with.

Store currency ↑ Back to top

Store currency is the base currency used on the store. It is first set when creating a WooCommerce store and can later be modified on the WooCommerce > Settings > General screen. Without customization through a multi-currency plugin or code, the customer currency is the same as the store currency.

Account currency ↑ Back to top

When creating an account with WooCommerce Payments, you must choose the country of your business entity to complete onboarding. This country is then used to determine the fees your account pays for transactions. For example, accounts for US businesses pay a fixed transaction fee in US dollars, regardless of the customer, store or settlement currency in the transaction.

Tracking currencies ↑ Back to top

The WooCommerce Payments dashboard can be used to track the currencies involved in  different transactions, including deposits, payments, and disputes. This section highlights the elements of the dashboard that provide details on a transaction’s currency.

Transactions Screen ↑ Back to top

The transactions list screen displays all transactions regardless of currency by default. Transaction amounts, fees and net are all displayed in that deposit currency. Transactions with a customer currency that differs to the deposit currency have a tooltip to view the amount paid by the customer in the customer currency.

WooCommerce Payments transactions screenshot with multiple customer currencies.

Transaction Details Screen ↑ Back to top

The transaction details screen displays the transaction in the customer’s currency at the top of the overview. Underneath that amount, the amount converted to the deposit currency is displayed, along with the fees and net amounts deposited for the charge.

The timeline view provides details on the exchange rate used when converting the customer currency to the deposit currency. The fee for currency conversion is included in the exchange rate as an additional amount on top of the mid-market rate rather than becoming part of the separate transaction fees charged on the transaction. 

WooCommerce Payments transaction details screenshot with customer currency that differs to deposit currency.

Deposit details screen ↑ Back to top

The Deposit details screen displays both the amount transferred to the bank account for a given set of transactions, as well as all of the transactions associated with the deposit. The amounts displayed on this screen are in the currency of the deposit, not the customer.

Like on the transactions screen, for transactions with a customer currency that differs to the deposit currency, a tooltip is displayed to view the amount paid by the customer in the customer currency.

WooCommerce Payments deposit details screenshot with customer currency that differs to deposit currency.


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