Post #4383775

2026-08-04 20:57 UTC

The stripe pay in local currency thing must be such a boondoggle for them, for a 50$ transaction stripe offered me £38.66, when it was paid directly via a UK card the FX rate came in a £37.27 That's £1.39 of upside to Stripe! Even if the rate shifts a bit before that settles it is still a incredible win for Stripe

Replies (1)

@AlesandroOrtiz@infosec.exchange 2026-08-04 21:25

@benjojo@benjojo.co.uk From a merchant's perspective, it's quite bad too, whether they use Adaptive Pricing or not. Merchants can set fixed local currency price or use Adaptive Pricing. If you saw the conversion rate and fee disclosure on the checkout page, then it's Adaptive Pricing. Stripe adds 2-4% fees to customers: https://docs.stripe.com/payments/currencies/localize-prices/adaptive-pricing?payment-ui=stripe-hosted#pricing Merchants still must pay 1.5% fee for non-US cards, with or without local/adaptive pricing. (AFAIK this also applies to non-US Stripe merchant accounts.) Merchants also pay 1% for currency conversion when not using Adaptive Pricing. (With Adaptive Pricing, cost is passed on to customers.)

Open ##4383773