Currencies and Auto Currency Conversion

StablePay enables merchants to price in multiple fiat currencies and complete stablecoin payment acceptance and settlement via USDT or USDC. When merchants price in non-USD currencies, StablePay automatically converts the displayed amount to its USD equivalent during checkout, then completes the payment in stablecoins. This page consolidates information regarding currency support for Checkout, Payment Links, Subscriptions, and Invoicing, as well as how auto currency conversion applies.

Settlement Assets

StablePay currently supports the following stablecoins for payment acceptance and settlement:

USDT
USDC

Supported Pricing Currencies

StablePay Checkout and Payment Links currently support the following pricing currencies, utilizing auto currency conversion when priced in non-USD.

Region	Currency
Default	USD
Europe and North America	EUR, GBP, AUD, CAD
Asia Pacific	JPY, HKD, SGD, KRW, TWD
Southeast Asia	IDR, PHP, VND, THB, MYR
Latin America	MXN, BRL
Middle East	AED, SAR, QAR, KWD, OMR, BHD

Product Support Scope

Not all StablePay products support the same range of pricing currencies.

Product	Supported Pricing Currencies for Goods/Services	Auto Currency Conversion
Stablecoin Checkout	USD and multi-currencies in the supported list	Supported
Payment Links	Same multi-currency range as Stablecoin Checkout	Supported
Invoicing	USD only	Not applicable
Stablecoin Subscriptions	USD only	Not applicable

If your business requires pricing in local currencies such as EUR, JPY, KRW, TWD, or AED, please prioritize using Stablecoin Checkout or Payment Links.
If you use Invoicing or Stablecoin Subscriptions, you should currently create USD-denominated products or services.

How Auto Currency Conversion Works

Local pricing currency amount
    ↓
Converted at real-time exchange rate
    ↓
USD equivalent amount
    ↓
Paid and settled in USDT or USDC

FX & Settlement Rules

Item	Rule
Exchange Rate Reference	Mid-market rates from major international banks
Additional FX Markup	No additional markup by default
Settlement Asset	USDT or USDC
Settlement Cycle	Follows the settlement schedule configured for the merchant account
Fee Calculation	Calculated based on the USD equivalent amount

Example

If a product is priced at 100 EUR, Checkout or Payment Links will convert it to a USD equivalent amount based on the current exchange rate. If the equivalent amount is 108.50 USD, the customer will pay 108.50 USDT or 108.50 USDC, and fees are also calculated based on this USD equivalent amount.

Important Limitations

Auto currency conversion currently applies primarily to Stablecoin Checkout and Payment Links.
Invoicing and Stablecoin Subscriptions currently only support creating USD-denominated products or services.
Payment Links’ multi-currency support range is consistent with Stablecoin Checkout.
Auto FX conversion is enabled by default for supported non-USD pricing currencies.
If you wish to avoid triggering currency conversion, please set the order currency to USD.
Supported currencies and specific behaviors may vary by product, account, and integration configuration.

Pay In

Pay Out

Corporate Cards

Refunds

Reference

Currencies and Auto Currency Conversion

Settlement Assets

Supported Pricing Currencies

Product Support Scope

How Auto Currency Conversion Works

FX & Settlement Rules

Example

Important Limitations

​Settlement Assets

​Supported Pricing Currencies

​Product Support Scope

​How Auto Currency Conversion Works

​FX & Settlement Rules

​Example

​Important Limitations

​Related Pages

Settlement Assets

Supported Pricing Currencies

Product Support Scope

How Auto Currency Conversion Works

FX & Settlement Rules

Example

Important Limitations

Related Pages