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Adaptive pricing automatically displays your checkout in the buyer’s local currency and routes the payment through domestic rails. It’s free for sellers, configured per checkout link, and turned off by default.

Lower fees

Domestic processing replaces international card and FX fees.

Local payment methods

iDEAL, SEPA, Klarna, and other regional options appear automatically.

Higher acceptance

The buyer’s bank is less likely to decline domestic transactions.

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How it works

When you enable adaptive pricing on a checkout link, Whop detects the buyer’s region from their IP address and displays the price in their local currency. Whop then processes the payment domestically in that region. Buyers can switch back to the original currency at checkout if they prefer.
Buyers in unsupported regions automatically see the original price and currency — no fallback configuration needed.

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Benefits

  • Lower processing fees. Non-domestic transactions get billed at domestic rates instead of incurring international card fees and currency conversion fees. See Fees.
  • Local payment methods and financing. iDEAL, bank transfers in the Single Euro Payments Area, Klarna, and other regional options depend on currency. They appear only when the checkout uses the matching local currency. See Local payment methods and Financing.
  • Higher bank acceptance. The buyer’s bank is less likely to decline domestic transactions than cross-border ones.
  • Familiar amounts for buyers. Local currency reduces post-purchase confusion and “I don’t recognize this charge” disputes.

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Example

A seller in the United States has a link priced at USD 100. An Australian buyer opens it.

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Fees

Sellers: Free. There’s no additional Whop fee for enabling adaptive pricing — you simply pay the domestic rate instead of international + FX. Buyers: The displayed local price includes a small currency conversion fee. The amount shown at checkout is the total they pay.

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Enable adaptive pricing

Configure adaptive pricing for each checkout link.
1

Open your checkout link's settings

Go to your Dashboard and select the checkout link you want to update.
2

Toggle Adaptive pricing on

Switch Accept local currency payments to on in the link’s settings.
3

Save

Buyers in supported regions will now see prices in their local currency the next time they open the link.
Adaptive pricing is only available for one-time payments. Recurring subscriptions continue to bill in the original checkout currency.

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Next steps

Local payment methods

See every regional payment option that becomes available with local currency checkouts.

Financing options

Offer Klarna, Afterpay, and other BNPL methods that depend on local currency.

Fees

Compare domestic and international rates so you know exactly what adaptive pricing saves.

Create a checkout link

Set up the checkout link you’ll enable adaptive pricing on.