Multi-currency

Topics covered on this page

How to enable
Supported currencies
Implementation
Refunds
Dashboard
Errors
Next steps

Charge credit and debit cards in a currency other than your account funding currency using Multi-currency. Omise transparently handles the exchange into your account funding currency (settlement currency), allowing cardholders to purchase their preferred currency (presentment currency).

Read on to learn how to use this feature.

How to enable

Supported Countries: Thailand, Singapore, Japan
Minimum API version: 2014-07-27

To enable Multi-currency, send an email requesting this feature to support@omise.co. You will need to review and accept new terms and conditions.

Note:

This feature only supports credit and debit card charges; alternative payment methods (e.g., Internet Banking) are not supported

This feature only supports Visa and Mastercard brand cards

In certain circumstances, the cardholder may be charged a foreign transaction fee by their issuing bank even if they pay in their native currency

Supported currencies

Currencies supported depend on the country in which your account is registered.

Currency	Name	Thailand	Singapore	Japan
AUD	Australian Dollar	✓	✓	✓
CAD	Canadian Dollar		✓	✓
CHF	Swiss Franc	✓	✓	✓
CNY	Yuan Renminbi (Chinese Yuan)	✓	✓	✓
DKK	Danish Krone	✓		✓
EUR	Euro	✓	✓	✓
GBP	Pound Sterling (British Pound)	✓	✓	✓
HKD	Hong Kong Dollar	✓	✓	✓
IDR	Indonesian Rupiah	✓	✓	✓
JPY	Japanese Yen	✓	✓	✓†
MYR	Malaysian Ringgit		✓	✓
SGD	Singapore Dollar	✓	✓†	✓
THB	Thai Baht	✓†	✓	✓
USD	United States Dollar	✓	✓	✓

† Account funding currency

Implementation

Let's walk through the steps to create a charge for USD 1,000 using an account registered in Thailand.

Creating a multi-currency charge is similar to creating a standard charge.

Create a token.
Create a charge using the token identifier created in Step 1 specifying a currency other than your account funding currency.

Creating a token

To create a token, follow the instructions in the Omise.js guide. Follow the examples listed here for testing. For a simple payment form, insert the following into your checkout page.

<form id="checkout-form" method="POST" action="/checkout">
  <script type="text/javascript" src="https://cdn.omise.co/omise.js"
          data-key="OMISE_PUBLIC_KEY"
          data-amount="100000"
          data-currency="USD">
  </script>
</form>

Creating a multi-currency charge

Using the token created in the previous step, create a charge API request. Check the resulting charge object for the following attributes:

currency: the currency in which the charge was created (USD).
funding_currency: account funding currency (THB).
funding_amount: charge amount after exchange into your account funding currency.

Except for amount and refunded_amount, all amounts are specified in the account funding currency.

curl https://api.omise.co/charges \
  -X POST \
  -u $OMISE_SECRET_KEY: \
  -d "amount=100000" \
  -d "currency=USD" \
  -d "card=$TOKEN_ID"

{
  "object": "charge",
  "id": "chrg_test_5vkl514m8b2vdc6a4a0",
  "location": "/charges/chrg_test_5vkl514m8b2vdc6a4a0",
  "amount": 100000,
  "net": 3174670,
  "fee": 120585,
  "fee_vat": 8441,
  "interest": 0,
  "interest_vat": 0,
  "funding_amount": 3303696,
  "refunded_amount": 0,
  "transaction_fees": {
    "fee_flat": "0.0",
    "fee_rate": "3.65",
    "vat_rate": "7.0"
  },
  "platform_fee": {
    "fixed": null,
    "amount": null,
    "percentage": null
  },
  "currency": "USD",
  "funding_currency": "THB",
  "ip": null,
  "refunds": {
    "object": "list",
    "data": [],
    "limit": 20,
    "offset": 0,
    "total": 0,
    "location": "/charges/chrg_test_5vkl514m8b2vdc6a4a0/refunds",
    "order": "chronological",
    "from": "1970-01-01T00:00:00Z",
    "to": "2023-04-26T04:22:24Z"
  },
  "link": null,
  "description": null,
  "metadata": {},
  "card": {
    "object": "card",
    "id": "card_test_5vkl50xxlu3b5hu2qwx",
    "livemode": false,
    "location": null,
    "deleted": false,
    "street1": null,
    "street2": null,
    "city": "Bangkok",
    "state": null,
    "phone_number": null,
    "postal_code": "10320",
    "country": "us",
    "financing": "credit",
    "bank": "JPMORGAN CHASE BANK N.A.",
    "brand": "Visa",
    "fingerprint": "XjOdjaoHRvUGRfmZacMPcJtm0U3SEIIfkA7534dQeVw=",
    "first_digits": null,
    "last_digits": "4242",
    "name": "Somchai Prasert",
    "expiration_month": 9,
    "expiration_year": 2024,
    "security_code_check": true,
    "tokenization_method": null,
    "created_at": "2023-04-26T04:22:22Z"
  },
  "source": null,
  "schedule": null,
  "customer": null,
  "dispute": null,
  "transaction": "trxn_test_5vkl518v7tgkff10rxo",
  "failure_code": null,
  "failure_message": null,
  "status": "successful",
  "authorize_uri": null,
  "return_uri": null,
  "created_at": "2023-04-26T04:22:23Z",
  "paid_at": "2023-04-26T04:22:23Z",
  "expires_at": "2023-05-03T04:22:23Z",
  "expired_at": null,
  "reversed_at": null,
  "zero_interest_installments": true,
  "branch": null,
  "terminal": null,
  "device": null,
  "authorized": true,
  "capturable": false,
  "capture": true,
  "disputable": true,
  "livemode": false,
  "refundable": true,
  "reversed": false,
  "reversible": false,
  "voided": false,
  "paid": true,
  "expired": false
}

Exchange rates

For multi-currency charges, the amount specified in the original charge is transparently exchanged into your account funding currency at approximately 2-4% above the daily mid-market rate. Request the Forex API to see the exchange rate used.

Since minimum and maximum amounts for a charge are set in your account funding currency, the effective minimum and maximum amounts for a multi-currency charge will vary depending on the current exchange rate.

curl https://api.omise.co/forex/usd \
  -u $OMISE_SECRET_KEY:

{
  "object": "forex",
  "rate": 33.036961874999996,
  "location": "/forex/usd",
  "livemode": false,
  "base": "USD",
  "quote": "THB"
}

Refunds

Create a full or partial refund for a multi-currency charge using the Refund API or the dashboard. The exchange rate used is the rate at the time you create the refund. The refund will be processed in the original charge currency, so you only need to supply the amount.

curl https://api.omise.co/charges/$CHARGE_ID/refunds \
  -X POST \
  -u $OMISE_SECRET_KEY: \
  -d "amount=100000"

{
  "object": "refund",
  "id": "rfnd_test_5vkl51js322cag57de2",
  "location": "/charges/chrg_test_5vkl50ovmiye8iui9ch/refunds/rfnd_test_5vkl51js322cag57de2",
  "livemode": false,
  "voided": true,
  "currency": "USD",
  "amount": 100000,
  "metadata": {},
  "charge": "chrg_test_5vkl50ovmiye8iui9ch",
  "terminal": null,
  "transaction": "trxn_test_5vkl51k12dp76doxgvk",
  "status": "closed",
  "funding_amount": 3303696,
  "funding_currency": "THB",
  "created_at": "2023-04-26T04:22:25Z"
}