Multi-currency pricing for Payment Links

Documentation Index

Fetch the complete documentation index at: https://docs.stablepayfi.ai/llms.txt

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Payment Links now support local pricing in multiple presentment currencies instead of USD only. Merchants can choose one supported pricing currency when creating a Payment Link, then use that currency consistently for product prices, order totals, and link displays. This capability is designed for merchants who want market-specific pricing across Europe, Southeast Asia, the Middle East, Japan, Korea, Latin America, and other international business flows. It makes Payment Links easier to manage in the Merchant Portal while keeping the payer journey familiar. Payment Links currently uses the same pricing-currency coverage as Stablecoin Checkout.

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When to use it

This feature is especially useful when you want to:

• Price Payment Links directly in local fiat currencies instead of USD.
• Sell across multiple countries or regions with pricing that matches local expectations.
• Use Payment Links for courses, services, events, digital goods, or lightweight commerce.
• Keep original pricing currency visible across the Portal, list views, detail views, and payment drawer.

If you need the broader product overview first, see Payment Links. For StablePay’s broader currency and conversion coverage, see Currencies & Auto Currency Conversion.

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Supported pricing currencies

The current documented coverage includes:

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

Coverage may expand over time. The available currency options in the Merchant Portal are the source of truth for a given merchant configuration.

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Minimum order totals and decimal precision

Payment Links validates both the minimum order total and decimal-precision rules for the selected pricing currency. The table below reflects the currently documented configuration: Notes:

• These thresholds are Payment Link creation-side minimum order totals, not the underlying blockchain payment minimum.
• For multi-item Payment Links, StablePay validates the order total as a whole rather than checking each item separately.
• Decimal precision rules change together with the selected Payment currency.

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How it works

1. A merchant creates or edits a Payment Link in the Merchant Portal.
2. In the Products area, the merchant chooses one Payment currency. The default is USD.
3. All products in that Payment Link use the same pricing currency.
4. StablePay validates price formatting, order totals, and minimum creation amounts for that currency.
5. After the link is created, the original pricing currency is shown in list views, detail views, Preview, and the payment drawer.
6. Customers still complete payment through the existing StablePay hosted checkout flow.

This iteration updates the Merchant Portal creation and management workflow. It does not redesign the payer-facing checkout flow.

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Core rules

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One Payment Link uses one pricing currency

All products inside a single Payment Link must use the same pricing currency.

• Payment currency is configured once at the Payment Link level.
• New products inherit the current Payment currency automatically.
• Mixed-currency products are not supported inside the same link.
• If mixed currencies are submitted, the system returns a validation error.

This keeps pricing, reporting, customer support, and reconciliation easier to understand.

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Minimum order amounts are validated at the order-total level

Minimum amount validation is based on the minimum order total, not on each product separately.

• Standard products contribute unit price × quantity.
• If a product supports adjustable quantity, StablePay uses unit price × minimum quantity to calculate the minimum order amount.
• The Payment Link can be saved only when the order total meets the configured minimum for that currency.

This is a better fit for multi-item links and avoids blocking valid bundles just because one item is individually low-priced.

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Decimal precision follows the selected currency

Different currencies support different decimal precision, and both frontend and backend validation apply.

• Zero-decimal currencies such as JPY, KRW, VND, and IDR do not allow decimal amounts.
• Common fiat currencies such as USD, EUR, and HKD typically allow 2 decimal places.
• Currencies such as KWD, OMR, and BHD allow 3 decimal places.

When a merchant changes the Payment currency, the unit price input format and save validation update accordingly.

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What merchants gain

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Rules for editing existing Payment Links

Payment currency is not always freely editable after a link is created.

• Historical Payment Links are treated as USD by default for compatibility.
• If a Payment Link has no successful payments yet, its Payment currency can still be changed.
• Changing the currency does not automatically convert price numbers using an exchange rate. Merchants should review pricing manually.
• After a currency change, StablePay revalidates the link using the new currency’s minimum order amount and decimal rules.
• If the Payment Link has already received a successful payment, the currency can no longer be changed. Create a new Payment Link to use another currency.

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What this iteration does not include

This update does not include:

• Multi-currency products inside the same Payment Link.
• Buyer-side currency switching on hosted checkout.
• Automatic local currency selection based on IP or browser language.
• Merchant-defined exchange rates.
• Subscription-style Payment Links.
• Changes to the core hosted checkout payment flow.

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Important notes

• If no currency is explicitly selected, StablePay defaults to USD.
• Minimum order amounts are system-configured thresholds and are not the same as the underlying blockchain minimum payment amount.
• Save-time validation still happens on the backend even when the frontend already shows guidance.
• If you aggregate metrics across links with different currencies, avoid adding GMV values together without a currency-normalized view.

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Related pages

• Payment Links
• Limit the number of times a payment link can be paid
• Currencies & Auto Currency Conversion
• Stablecoin Checkout