货币转换和汇率

货币转换发生在交易期间,例如获取付款、发放退款或发生退款时。使用的外汇汇率始终是交易期间的费率。

您可以在订单时间表中查看交易明细。

您可以针对每个市场中每项产品价格的计算方法查看明细。

本页相关主题

  • 货币定义和货币转换

  • 货币转换风险

  • 自动汇率转换

  • 手动汇率转换

  • 手动入账付款

  • 退款

  • 拒付

  • 采用不同货币进行销售和结算,以及采用多种货币进行销售

货币定义和货币转换

您的商店有三种类型的货币:

  • 商店货币 - 您的 Shopify 后台的货币。这是您用于在您的主要市场中为产品和产品多属性设置价格的货币,也是您的报告中显示的货币。

  • 当地货币(也称为客户货币或出示货币)- 客户在您的商店中看到的货币,以及客户在结账时用于支付订单的货币。

  • 付款货币 - Shopify 在将资金存入您的银行账户时采用的货币。

货币转换风险

货币汇率始终是波动的。每当处理付款或退款出现延迟时,受货币转换率的影响,您可能会损失资金或从中获利。

在以下情况中,您可能亏损或获利:

  • 对市场使用固定定价

  • 手动入账付款

  • 为订单退款

  • 当您发起拒付时

自动汇率转换

当您以多种货币在市场中进行销售时,您的在线商店价格会转换为您客户的货币。您商店中的价格将根据市场汇率而自动改变。

价格转换方法为:商店价格乘以货币转换率,加上转换费,然后应用该货币的舍入规则(如果适用)。转换后的价格包括货币转换费用。例如,将 10.00 美元的产品转换为欧元时,转换后的价格为 8.90 欧元,此价格包括货币转换费率和转换费:

<br>(**Product price** x **currency conversion rate**) x (**1** + **currency conversion fee**)</br>   <br>($10.00 USD x 0.867519) x (1 + .015) = &euro;8.81</br>

如果您已启用舍入规则,则总费用将舍入为 8.95 欧元。

手动汇率转换

使用 Advanced Shopify 和 Shopify Plus 套餐时,您可以手动设置每个市场的货币汇率。这使您可以为每个市场设置固定价格,而不是使价格根据自动汇率进行波动。

使用手动汇率转换时,您可能会因手动汇率与当前市场汇率之间的差异而获利或亏损。

转换费适用于您的货币转换。如果您想将此费用包含在手动费率中,请将费用乘以商店所在国家/地区的转换费。例如,美元对欧元的汇率加上 1.5% 的转换费可能如下所示:0.90867 x 1.015 = 0.9223。

您可以为其他市场部分中列出的市场设置手动转换费率。这些费率基于您在设置 > 商店详细信息中设置的商店基本货币,即使在您将其基本货币设置为不同于商店货币的市场中也是如此。

手动转换费率无法应用于您的主要市场。

您可以将价格调整与手动汇率结合使用。例如,如果您的一款产品以您的商店货币美元定价,价格为 20 美元,并且您将所有市场的舍入规则均设置为向上舍入到最近的整数值,那么您可以通过以下任何一种方式控制加拿大市场的定价:

  • 您可以将手动汇率设置为 1.3,以稳定加元价格,然后应用 20% 的价格调整。价格计算方式为 20.00 x 1.3 x 1.2 = 32.00 加元。

  • 您可以将手动汇率设置为 1,然后应用 50% 的价格调整,以便仅使用价格调整控制加元价格。价格计算方式为 20.00 x 1 x 1.5 = 30.00 加元。

  • 您可以选择自动汇率,并对加元价格应用 50% 的价格调整。价格计算方式为 20.00 x [当前汇率] x 1.5。价格会根据当前的汇率波动,并加上 50% 的价格调整。

如果您已更改市场的基本货币,或者已将手动转换费率切换为自动费率,则手动汇率会被禁用,但不会被删除。这意味着,如果恢复原始市场货币,或者再次启用手动转换费率,则手动转换费率将再次生效。

市场页面中,您可以为关闭多币种的单一国家/地区市场或多个国家/地区市场设置手动转化率。对于您想要使用手动转化率的每个国家/地区,您都应创建单一国家/地区市场。

步骤:

  1. 在 Shopify 后台中,转到设置 > 市场

  2. 其他市场部分中,点击要为其添加手动汇率的市场旁边的管理

  3. 货币和定价部分,点击管理

  4. 点击编辑汇率

  5. 选择使用手动费率

  6. 输入汇率。

  7. 点击保存

手动入账付款

当您以多种货币进行销售时,您收到的付款金额按照您向客户信用卡收费时的货币汇率进行计算。如果您手动获取款项,则系统在您处理客户订单时向客户的信用卡收费,而不是在客户提交订单时收取。从进行授权到您手动获取资金期间,货币汇率可能发生变化,这可能导致金额产生小幅度的差异。

在您的 Shopify 后台中,以不同货币为单位的订单将转换为您的商店货币,以便您更轻松地报告销售额。在向客户收取订单费用之前,转换的值为估计值。

例如,您商店的货币是美元,并且您以美元和欧元进行销售。您的客户创建了一个金额为 90 欧元的书架订单。当客户提交订单时,1 美元等于 0.90 欧元。

商店货币价格客户的货币价格预计订单金额
100 美元90 欧元100 美元

几天后,货币汇率发生变化,1 美元现在等于 0.85 欧元。您向客户的信用卡收取 90 欧元的费用。由于货币汇率已更改,1 美元 = 0.85 欧元,因此 90 欧元换算为 98 美元。您将收到 98 美元。

商店货币价格客户的货币价格转换为商店货币的获取金额
100 美元90 欧元98 美元

退款

客户创建订单与进行退货之间通常存在一定的时间差。因此,您收到的订单的转换金额通常不等于您在退款中退还的转换金额。我们建议您全额退还客户以其当地货币支付的金额。由于涉及货币转换,这意味着您可能会损失金钱或从中获利。了解以多种货币进行销售时如何为订单退款。

拒付

当持卡人发起拒付时,应使用转移资金时的转换率进行货币转换,而不是使用下订单时的转换率。

Shopify 将转换要退款的金额,将存在纠纷的金额存入持卡人账户,然后代表您向持卡人的银行支付费用,并从您的下一笔款项中减去退款金额。您无需支付此货币转换的转换费。

如果您对拒付提出质疑并按照您的意愿解决了拒付,则争议金额会退还给您,并根据当前转换率向您退还退款。

详细了解如何处理拒付。

采用不同货币进行销售和结算,以及采用多种货币进行销售

大多数货币转换发生在客户当地货币和您商店的货币之间。如果您的商店货币与支付货币不一致,货币转换发生在客户当地货币和您的支付货币之间。

Shopify商户官网原文详情:

Currency conversions and exchange rates

Currency conversion occurs at the time of a transaction, such as when you capture a payment, you issue a refund, or when there is a chargeback. The foreign exchange rate used is always the rate at the time of the transaction.

You can see the breakdown of a transaction in an order's timeline.

You can view a breakdown of how each product price is calculated for each market.

On this page

  • Currency definitions and conversions

  • Currency conversion risks

  • Automatic exchange rate conversions

  • Manual exchange rate conversions

  • Manually captured payments

  • Refunds

  • Chargebacks

  • Selling and settling in different currencies and selling in multiple currencies

Currency definitions and conversions

Your store has three types of currencies:

  • Store currency - The currency of your Shopify admin. This is the currency that you use to set prices for your products and product variants in your Primary market, and it's the currency that appears in your reports.

  • Local currency (also referred to as the customer or presentment currency) - The currency that the customer sees in your store and the currency that the customer uses when they pay for their orders at checkout.

  • Payout currency - The currency that Shopify uses when depositing money in your bank account.

Currency conversion risks

Currency rates are always fluctuating. Whenever there is a time delay in processing payments or refunds, there is a possibility that you might lose or gain money because of currency conversions.

You can lose or gain money in the following situations:

  • When you use fixed pricing for markets

  • When you manually capture payments

  • When you refund orders

  • When you're issued a chargeback

Automatic exchange rate conversions

When you sell in markets with multi-currency, your online store prices are converted to your customer's currency. The prices in your store change automatically with market exchange rates.

Your prices are converted by multiplying the store price by the currency conversion rate, adding the conversion fee, and then applying the rounding rules for that currency if applicable. Your converted prices include your currency conversion costs. For example, when a $10.00 USD product is converted to Euros, the converted price of €8.90 includes the currency conversion rate and conversion fee:


(Product price x currency conversion rate) x (1 + currency conversion fee)
($10.00 USD x 0.867519) x (1 + .015) = €8.81

If you have rounding rules enabled, then the total is rounded up to €8.95.

Manual exchange rate conversions

On the Advanced Shopify and Shopify Plus plans, you can set the currency exchange rate manually for each of your markets. This allows you to fix your prices per market, as opposed to your prices fluctuating with automatic exchange rates.

When using manual exchange rate conversions, you might gain or lose money depending on the difference between your manual exchange rate and the current market exchange rate.

A conversion fee applies to your currency conversion. If you want to include this fee in your manual rate, then multiply your rate by the conversion fee for your store’s country. For example, a USD to EUR exchange rate with a 1.5% conversion fee might look like this: 0.90867 x 1.015 = 0.9223.

You can set a manual conversion rate for markets listed in your Other markets section. These rates are based off of your store’s base currency in Settings > Store details, even for markets where you've set a base currency that's different from your store's currency.

Manual conversion rates can’t be applied to your primary market.

You can use price adjustments together with manual exchange rates. For example, if you have a product priced at 20.00 in your store currency of USD and price rounding is on to the nearest 1.00 for all markets, then you can control the pricing for your Canada market in any of the following ways:

  • You can set a manual exchange rate of 1.3 to stabilize the CAD price, and then apply a price adjustment of 20%. The price is calculated as 20.00 x 1.3 x 1.2 = 32.00 CAD.

  • You can set a manual exchange rate of 1, and then apply an adjustment of 50% to control the CAD price using only the price adjustment. The price is calculated as 20.00 x 1 x 1.5 = 30.00 CAD.

  • You can select automatic exchange rates and apply a price adjustment of 50% to the CAD prices. The price is calculated as 20.00 x [current exchange rate] x 1.5. The price fluctuates based on current exchange rates with the 50% price adjustment added on top.

If the base currency of a market is changed, or if manual conversion rates are switched to automatic, then the manual rate is disabled but not deleted. This means that if the original market currency is restored, or if manual conversion rates are turned on again, then the manual conversion rate becomes active again.

From your Markets page, you can set up manual conversion rates for single-country markets or multi-country markets that have multi-currency turned off. You should create single-country markets for every country or region that you want to use a manual conversion rate for.

Steps:

  1. From your Shopify admin, go to Settings > Markets.

  2. In the Other markets section, click Manage next to the market where you want to add a manual exchange rate.

  3. In the Currency and pricing section, click Manage.

  4. Click Edit exchange rate.

  5. Select Use a manual rate.

  6. Enter the exchange rate.

  7. Click Save.

Manually captured payments

When you sell in multiple currencies, the amount that you receive as payment is based on the currency rate at the time that you charge the customer's credit card. If you capture payments manually, then your customer's credit card is charged when you process their order, and not when the customer submits the order. The currency exchange rate might change between the time of authorization and the time you capture your funds manually, and this can result in a small discrepancy.

In your Shopify admin, orders in different currencies are converted to your store currency so that it's easier for you to report your sales. Until you charge the customer for their order, the converted values are estimates.

For example, your store's currency is USD and you sell in USD and EUR. Your customer creates an order for a €90 bookshelf. When they submit their order, $1 USD is equal to €0.90 EUR.

Store currency priceCustomer's currency priceEstimated order amount
$100 USD€90 EUR$100 USD

A few days later the currency rate changes and $1 USD is now equal to €0.85 EUR. You charge your customer's credit card for €90 EUR. Because the currency conversion rate changed and $1 USD = €0.85 EURO, the €90 converts to $98 USD. You receive $98 USD.

Store currency priceCustomer's currency priceCaptured amount converted to store currency
$100 USD€90 EUR$98 USD

Refunds

There is often a time gap between when a customer creates an order and when they make a return. As a result, the converted amount that you receive for the order usually doesn't equal the converted amount that you give back in the refund. We recommend that you refund the full amount that the customer paid in their local currency. This means that you might lose or gain money due to currency conversions. Learn about refunding orders when selling in multiple currencies.

Chargebacks

When a cardholder initiates a chargeback, currency conversions are applied using the conversion rate at the time of the transfer of funds and not the conversion rate at the time of the order.

Shopify converts the amount being refunded, credits the disputed amount to the cardholder, and then pays the fee to the cardholder's bank on your behalf, subtracting the amount being refunded from your next payout. You're not charged a conversion fee for this currency conversion.

If you dispute the chargeback and it's resolved in your favor, then the amount disputed in the chargeback is refunded to you and you are refunded the chargeback fee based on the current conversion rate.

Learn more about how chargebacks are processed.

Selling and settling in different currencies and selling in multiple currencies

Most currency conversions occur between your customer's local currency and the currency of your store. If your store currency is different from your payout currency, then currency conversions occur between the customer's local currency and your payout currency.


文章内容来源:Shopify商户官方网站