Sell in multiple currencies

SellStein sells in 130+ currencies. The store can display one currency, charge in another, and settle in a third. Handy when you sell globally but bank in one country.

Settings → Currencies

Pick a primary currency (the one your prices are stored in) and any number of display currencies. Customers see prices converted at the day's mid-market rate plus a small spread you set (default: 1.5%, configurable from 0% if you'd rather absorb FX).

Geo-detection

By default we show the visitor their local currency based on IP. Override with the currency switcher in your store header (built-in template), or pin a specific region to a specific currency at Settings → Currencies → Region overrides.

Charging vs settling

When a customer pays €50 with a card issued in the US:

• We charge their card €50
• The card network converts to USD at the issuer's rate (we don't control this)
• We receive USD in your settlement account, OR convert again to your bank's currency

Stripe and Fiserv settle in your bank's currency by default. NMI settles in USD only. For non-US sellers on NMI, the bank does a final conversion at deposit. The cleanest setup: settlement currency = bank currency = primary store currency.

Per-region pricing

If you want to charge different prices in different regions (€29 in EU, $39 in US, NOT just an FX conversion), use Price lists. Products → product → Prices → Add price list. Pin a price per currency per region. Customers see your fixed local price, not a floating FX rate.

This is what Stripe Atlas, Notion, Figma, and most SaaS companies do. It's better for predictability and conversion at the cost of having to update prices when FX swings hard.

Tax with multi-currency

Automatic tax calculates in the currency the customer is paying in. Receipts show both the order currency and your settlement currency. EU OSS reports correctly group by member state regardless of display currency.

What it doesn't do

We don't hedge FX for you. If you sell in EUR and settle in USD, you're exposed to the EUR/USD rate. For high-volume merchants we offer a multi-currency settlement account. You receive funds in 4-6 currencies and convert manually when rates suit you. Ask sales for the Growth+ multi-currency add-on.