what should I use for multi-currency checkout?

For multi-currency checkout, the best choice depends on whether you need:

1. Your customers to pay in their local currency
2. You to settle in one currency or multiple currencies
3. Built-in FX conversion and cross-border support
4. Simple setup vs. more control

Good options

1. Stripe

Best if you want a flexible developer-friendly solution.

• Supports many currencies
• Lets you present and charge in local currencies
• Good docs and APIs
• Works well for subscriptions and one-time payments
• Can settle to your bank in supported currencies depending on region

Use Stripe if: you want modern checkout, subscriptions, and a clean integration.

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2. Adyen

Best for larger businesses or global operations.

• Very strong multi-currency and international payment support
• Good for complex routing, local payment methods, and enterprise-scale needs
• Excellent for optimizing conversion across regions

Use Adyen if: you have meaningful international volume and need enterprise-grade control.

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3. PayPal/Braintree

Best if your customers already trust PayPal.

• Easy to add
• Supports multiple currencies
• Familiar to shoppers
• Less control than Stripe/Adyen for custom flows

Use it if: you want broad consumer trust and a quick launch.

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4. Shopify Payments

Best if you run a Shopify store.

• Built into Shopify
• Supports multi-currency checkout in supported markets
• Simple if you’re already on Shopify

Use it if: you're on Shopify and want the least friction.

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5. Wise / Airwallex / Checkout.com

Best for businesses with international payouts, treasury needs, or specialized currency handling.

• Often useful for holding, converting, and paying out in multiple currencies
• Strong cross-border financial infrastructure
• Can be better if FX cost matters a lot

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Quick recommendation

• Small to mid-size online business: Stripe
• Enterprise/global commerce: Adyen
• Shopify store: Shopify Payments
• Need customer trust + easy adoption: PayPal
• Need strong FX/treasury management: Airwallex or Wise

Important questions to decide

If you want, I can recommend the best one if you tell me:

• your platform (Shopify, custom app, WooCommerce, etc.)
• where your customers are
• whether you want to charge in local currency, settle in one currency, or both
• your monthly transaction volume