Currency Conversion
Overview
DEUNA’s Currency Conversion capability enables merchants to present prices and process payments in multiple currencies while maintaining control over settlement currency, cost structures, and user experience.
By centralizing integrations with FX providers, DEUNA simplifies cross-border operations and ensures that conversion details flow consistently throughout the transaction lifecycle.
Merchants can either provide their own FX data or rely on DEUNA’s integrated rate services.
Key Benefits
-
Multi-Currency Acceptance
Offer localized pricing and payment options to customers across markets. -
Improved User Experience
Reduce friction by allowing shoppers to pay in the currency they understand. -
Operational Efficiency
Avoid managing multiple FX provider integrations; DEUNA handles provider-specific formats. -
Flexible Settlement Options
Process in one currency while displaying or charging in another.
When to Use Currency Conversion
- Cross-Border E-Commerce – Display local currency while settling in the merchant’s base currency.
- Remittances and Payouts – Convert funds when sending or receiving cross-border transfers.
- Travel and Airlines – Support payments from global travelers and different point-of-sale currencies.
- Financial Services – Manage FX conversions for assets denominated in multiple currencies.
Core Concepts
Exchange Rate
Determines the value used to convert one currency to another. May be fixed, provider-defined, or based on real-time market conditions.
Base Currency
Currency from which the conversion originates.
Shopper Currency
Currency in which the customer will be charged.
FX Spread
Provider margin applied over the underlying exchange rate.
Real-Time Rates
Rates returned and applied at the time the merchant or DEUNA requests the conversion.
Some Architecture Options
Merchant Owning Currency Conversion Flow
┌────────────────────────────┐
│ DEUNA FX Engine │
│ (Retrieves rates from FX │
│ providers of merchant's │
│ choosing) │
└───────────┬────────────────┘
│
(1) Periodic FX push
│
v
┌────────────────────────────────────┐
│ Merchant Webhook / Endpoint │
│ (Receives updated conversion info) │
└───────────┬────────────────────────┘
│
(2) Merchant refreshes internal FX tables
│
v
┌────────────────────────────────────┐
│ Merchant Checkout / Pricing │
│ (Displays converted amounts using │
│ DEUNA-provided rates) │
└───────────┬────────────────────────┘
│
(3) Shopper selects currency and amount
│
v
┌────────────────────────────────────┐
│ Merchant Purchase Request │
│ POST /purchase (to DEUNA) │
│ Includes final converted amount │
└───────────┬────────────────────────┘
│
(4) DEUNA forwards FX details + amount
│
v
┌────────────────────────────────────┐
│ FX Processor / Acquirer │
│ (Uses merchant-supplied converted │
│ values + DEUNA metadata) │
└────────────────────────────────────┘Real-time Currency Conversion
+----------------+
| Merchant |
| Checkout |
+--------+-------+
|
| Requests FX quote or provides its own
v
+-----------------------+
| DEUNA |
| Currency Conversion |
+-----------+-----------+
|
+----------------+----------------+
| |
(Option A) | | (Option B)
Merchant v v DEUNA retrieves rates
provides +--------------------+ +--------------------------+
FX rate | Merchant's FX | | DEUNA Rate Service |
| Provider | | (integrated providers) |
+---------+----------+ +------------ +-----------+
| |
| Returns rate data | Returns FX reference
v v
+--------------------+ +------------------------+
| FX Details | | FX Quote Response |
+--------------------+ +------------------------+
| |
+----------------+-------------+
|
v
+----------------------+
| Payment Creation |
| (FX data or FX ID) |
+----------+-----------+
|
v
Transaction
Integration Options
DEUNA supports two models for applying currency conversion during payment processing:
- Merchant-Provided FX Rate
- DEUNA Rate Service (DEUNA-managed FX retrieval)
Activation Required
Please contact your DEUNA Implementation Manager to enable merchant-supplied FX forwarding.
Both options allow you to charge the shopper in one currency and settle in another, depending on your commercial and operational setup.
1. Merchant-Provided FX Rate
If your business already obtains exchange rates from an external FX provider, you can forward that information to DEUNA as part of the payment request.
DEUNA will include these FX details when routing the transaction to the acquirer or processor.
Example — Payment Request with Merchant FX
{
"amount": {
"currency": "COP",
"value": 5000,
"currency_conversion": {
"external_rate_reference": "AAA01SADOIAJSDLAKSJM",
"shopper_currency": "ARS",
"shopper_amount": 1146.55
}
}
}2. DEUNA Rate Service
The DEUNA Rate Service allows merchants to rely on DEUNA to fetch exchange rates directly from an integrated FX provider. This option is ideal when you want DEUNA to standardize the FX workflow across all providers without managing multiple integrations or rate formats.
This flow uses a two-step process:
- Request an exchange rate from DEUNA
- Use the returned FX rate ID when creating the payment
This ensures the quoted FX rate is correctly linked to the final transaction.
Step 1 — Request an Exchange Rate
Send a request indicating:
- The original transaction currency
- The user’s preferred currency
- The FX provider from which DEUNA should retrieve rates
Request
{
"amount": 30000,
"original_currency": "MXN",
"destination_currency": "USD",
"provider_info": {
"id": "f8e3a9bb-1f28-4b6c-ac12-7d9e3e84d04a"
}
}Response
{
"currency_conversion": {
"id": "ccv_7b29c4ab-f61d-4e58-9dc5-1a9fceb823b3",
"original_currency": "MXN",
"destination_currency": "USD",
"original_amount": 30000,
"destination_amount": 1764.71,
"rate": 0.0588237,
"provider_info": {
"id": "f8e3a9bb-1f28-4b6c-ac12-7d9e3e84d04a",
"name": "NUVEI",
"timestamp": "2025-01-04T18:15:23Z"
},
"expires_at": "2025-01-04T18:20:23Z",
"metadata": {
"rate_type": "real_time",
"precision": 6
}
}
}Step 2 — Use FX Rate ID in Payment Creation
Send a request indicating:
- The original transaction currency
- The shopper’s preferred currency
- The FX provider from which DEUNA should retrieve rates
Example request in purchase API
{
...
"total_amount": {
"currency_conversion": {
"external_rate_reference": "...",
"original_currency": "MXN",
"destination_currency": "USD",
"original_amount": 30000,
"destination_amount": 1764.71
}
}
...
}Activation Requirements
To enable any currency conversion flow, contact your DEUNA's Implementation Manager. Configuration depends on the FX provider, region, and merchant setup.
Updated about 22 hours ago