Do I have to hold foreign currency balances?

No. Conversion happens as part of settlement, so you receive euros regardless of what the customer was shown or paid in.

The rate is applied at checkout and stated on the page before the customer confirms, then recorded on the receipt and in your exports. The euro total on the order is what you receive.

Does the checkout translate as well as convert?

Yes — labels, errors, and receipts localize alongside the currency, so a customer isn't reading their own currency in someone else's language.

Does this work with every method?

Pricing and presentation apply across the checkout; which methods a given customer sees still depends on their country and device, since the point is to show them what they can actually use.

/// Method · Flexible

Their currency on the page. Euros in your account.

A price in an unfamiliar currency is a moment of hesitation at exactly the wrong point in the flow. Showing the amount in the customer's own currency, with the conversion stated before they confirm, removes it — and settling everything to EUR means your ledger never learns a second currency to make that happen.

See Protocore Gateway All payment methods

Theirs

Currency on the page

Stated

Conversion before confirm

EUR

What you settle in

Reference either way

/// How it runs

Price to payout, four steps.

[ 01 ]
DETECT
The checkout reads where the customer is and prices the order accordingly.
[ 02 ]
STATE
The amount and the conversion applied are shown before they confirm anything.
[ 03 ]
PAY
They pay in the currency they think in, by whichever method they prefer.
[ 04 ]
SETTLE
The payment converts and lands in your usual EUR payout on the same reference.

/// 01

Why it converts better

Buyers hesitate when they have to do arithmetic. A price in their own currency is understood immediately, and a conversion stated on the page removes the suspicion that the number will be different when it reaches their card. The gain is largest exactly where you'd expect: first-time buyers outside your home market.

[ 01 ]No mental arithmetic at the decision point
[ 02 ]Conversion stated on the page, not discovered on a statement
[ 03 ]Biggest effect on first-time cross-border buyers

/// 02

Why your books stay simple

The same principle as USDC: the conversion happens before settlement, so what reaches your account is euros. You don't hold balances in several currencies, you don't manage exposure, and your accountant reconciles one payout line however many currencies your customers thought in.

[ 01 ]One settlement currency regardless of what was shown
[ 02 ]No multi-currency balances or exposure to manage
[ 03 ]The rate applied recorded on the receipt and in exports

/// 03

What it takes to switch on

A toggle and a choice of which currencies to present. The checkout also localizes its labels, errors, and receipts, so the price and the page match the customer rather than only one of them doing so.

/// FAQ

Multi-currency payments — questions merchants ask.

No. Conversion happens as part of settlement, so you receive euros regardless of what the customer was shown or paid in.
The rate is applied at checkout and stated on the page before the customer confirms, then recorded on the receipt and in your exports. The euro total on the order is what you receive.
Yes — labels, errors, and receipts localize alongside the currency, so a customer isn't reading their own currency in someone else's language.
Pricing and presentation apply across the checkout; which methods a given customer sees still depends on their country and device, since the point is to show them what they can actually use.