Hey, @Pax .
Thank you for joining the thread!
I understand you have several questions regarding payment processing, and I’ll try my best to answer them in the same manner.
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If you’re using Shopify Payments, you can set up your store to process in USD and connect a USD Bank account from a Canadian bank. Another option to consider is setting up your store for multiple currencies, which allows you to process both USD/CAD and get paid in your local currency.
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Since your store is located in Canada, international and American Express credit cards would still be subject to the international credit card processing fees. If you’d like more information on this, you can view the plan features and fees on our pricing page.
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Canadian credit cards will be subject to domestic credit card processing fees.
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Since your store is set up for USD and connected to a Canadian USD bank account, US customers would not incur a conversion fee.
I think the best way to handle the currency for both of your customers’ region is by setting up your store in CAD and enabling multiple currency. While multiple currency does convert the payouts to CAD, the currency exchange and conversion fee happens on a payout level and does not affect your customers - this would help minimize the fees for your customers.
Have you had the chance to look at the multiple currency option?