Currencies & payouts

Each group checkout runs in one currency — the currency on your signed cart. Merchants can set a preferred payout currency in Business settings to control when Ante withholds an FX fee. This preference does not change the Stripe Connect transfer currency.

Copy this page as a setup prompt for your coding assistant.

Important limitations

Read before choosing preferred payout currency

Transfer currency is always checkout currency.Stripe Connect transfers are created in the session currency (the cart's currency). Preferred payout currency only tells Ante when to apply the FX fee — it does not convert the transfer into your preferred currency.
Ante's fee is on the Connect transfer, not bank payout. When checkout ≠ preferred, Ante withholds 2% from your gross merchant transfer in checkout currency. Converting from your Connect balance to your bank account is handled separately by Stripe when you withdraw.
Stripe may charge additional payout fees.Cross-border or multi-currency bank payouts can incur separate Stripe fees (for example cross-border fees on some routes). Ante's 2% covers the Connect transfer step; check your Stripe Dashboard for payout-line fees.
Amounts use the smallest currency unit.All Ante amounts are integers in the smallest unit (cents for USD/EUR, whole yen for JPY). FX fee math rounds per component in that unit — not always "cents."
Sandbox skips Connect transfers. Test-mode settlements set transfer_id to none and sandbox_payout_skipped: true. FX fields still appear on group.funded when your preference would trigger a fee in live mode.

Checkout currency

Set currency on every cart you sign (lowercase ISO 4217, e.g. usd, eur). All share payments for that session use the same currency. Amounts are always integers in the smallest unit (cents for USD/EUR, whole yen for JPY). See Cart signing for canonical fields.

Cart excerpt

{
  "total": 12000,
  "currency": "eur",
  "items": [ … ]
}

One currency per group

A single Ante session cannot mix currencies. If your catalog sells in multiple countries, pass the appropriate currency when you build each cart on your server.

Payout currency modes

Mode	Behavior
Checkout currency (default)	No Ante FX fee. Connect transfer is created in the session currency. Best when checkouts already match how you hold or withdraw funds in Stripe.
Preferred payout currency	You pick a target currency (e.g. USD). When checkout uses a different currency, Ante withholds an FX fee from your gross merchant transfer before the Connect transfer. The transfer itself still posts in checkout currency.

Configure under Settings → Business → Payout currency. Owners and admins can change this anytime; it applies to the next funded group.

FX fee when currencies differ

If you choose a preferred payout currency and a checkout runs in another currency, Ante deducts 2%from your gross merchant transfer (after Ante's platform fee):

Component	Rate	Notes
Stripe multi-currency settlement	1%	Pass-through for Stripe Connect alternative-currency settlement. See Stripe docs.
Ante FX surcharge	1%	Covers operational cost on top of Stripe's conversion fee.
Total withheld	2%	Applied only when checkout ≠ preferred payout currency.

Example (EUR checkout, USD preferred): €100.00 checkout, €2.01 platform fee → €97.99 gross transfer:

FX calculation (amounts in euro cents)

gross_transfer   = 9799   // smallest unit (euro cents)
fx_fee           = round(9799 × 2%) = 196
net_transfer     = 9603   // Connect transfer in EUR

JPY example: ¥10,000 checkout, ¥201 platform fee → ¥9,799 gross transfer. With USD preferred, FX fee round(9799 × 2%) = 196 yen → ¥9,603 net Connect transfer (still in JPY).

Supported preferred currencies

When using preferred mode, choose one of:

ISO codes

usd, eur, gbp, cad, aud, chf, jpy, nzd, sek, nok, dkk, sgd, hkd

Webhooks

group.funded includes FX fields when a fee would apply (live or sandbox). Use them for accounting and reconciliation. In sandbox, transfer_id is none and sandbox_payout_skipped: true is set because Connect transfers are not created in test mode.

group.funded (with FX)

{
  "session_id": "j57…",
  "group_id": "j57…",
  "transfer_id": "tr_…",
  "total": 12000,
  "merchant_fee": 241,
  "order_ref": "ORD-1042",
  "checkout_currency": "eur",
  "payout_currency_preference": "usd",
  "fx_fee_cents": 196,
  "merchant_transfer_gross_cents": 9799,
  "merchant_transfer_cents": 9603,
  "fx_fee_stripe_bps": 100,
  "fx_fee_ante_bps": 100
}

When checkout matches your preference (or you use checkout-currency mode), those fields are omitted. See Webhooks.

Shopify

Shopify checkouts use the store's presentment/charge currency on the session. The same payout currency rules and FX fee apply at settlement.