Sometimes your bank statement may show a different currency from what you expected. This usually happens because of the payment method, your bank's currency conversion, or the currency selected during checkout.
Stripe asked me to pay in Local Currency or International Currency. Which should I choose?
If Stripe gives you the option, we recommend selecting Local Currency.
Choose the local currency of the shop you're purchasing from, not the country where you're currently located.
For example:
Buying from a bakery based in Singapore → Choose SGD (Singapore Dollar).
Buying from a shop based in the Philippines → Choose PHP (Philippine Peso).
Buying from a business based in the United States → Choose USD (US Dollar).
Selecting the merchant's local currency helps ensure that your bank performs the currency conversion directly. Choosing the international or converted currency offered at checkout may result in a less favorable exchange rate, depending on your card issuer.
💳 Why your charge may look different
1. Your bank or card converted the payment
When you pay with a card, your bank or card issuer may convert the transaction into your card's billing currency. Depending on your bank, this conversion may also include foreign transaction or exchange rate fees. These charges are determined by your bank and are outside of Cococart's control.
Some banks automatically convert transactions into another currency (commonly USD), especially if you’re using:
An international card
A multi-currency account
A digital bank
👉 This may also include additional foreign transaction fees.
2. Payment processing differences
Depending on your card or payment method, the transaction may be routed internationally, which can result in:
Currency conversion
Slightly higher total due to exchange rates
3. Temporary display differences
In some cases, your bank may show a pending charge in a different currency, which later settles into the correct amount.
✅ Why is the final amount different?
Your final charge may differ slightly from the checkout amount because of:
Your bank or card issuer's exchange rate.
Foreign transaction or currency conversion fees.
Exchange rate fluctuations between authorization and settlement.
If you have questions about the exchange rate or additional fees, we recommend contacting your bank or card issuer, as they determine these charges. 🙏🏻