Why is there a difference in the amount shown on the checkout page and the payment gateway?

Payments + Shipping & Fulfilment
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Topic summary

Issue: A customer sees different totals at checkout vs the payment gateway. Checkout shows INR 26,880 (approx AUD 492.18) while the gateway shows AUD 530.71. Screenshots highlight the INR-to-AUD discrepancy.

Possible causes:

  • Currency conversion rate timing: Store vs gateway may use different, fluctuating exchange rates.
  • Additional gateway fees: Transaction, international, or conversion fees might be added by the gateway, not reflected in Shopify’s checkout.
  • Rounding differences during currency conversion.

Requested info: Which third-party payment gateway is being used?

Suggested actions:

  • Review the gateway’s policies to identify added fees or conversion methods.
  • Consider incorporating expected fees into store totals to prevent surprises at payment.
  • Add clear messaging at checkout/FAQ about potential conversion-driven discrepancies.

Status: Unresolved/ongoing. The exact cause depends on the specific gateway’s rates/fees and has not been confirmed yet.

Summarized with AI on January 12. AI used: gpt-5.
1

Hi Team,
One customer is trying to place and order; the amount shown in checkout page & payment gateway is different. Please let me know the reason and fix for it. Added screenshots below:

the total is INR 26880 approx AUD492.18

anantaN_0-1700907658792.jpeg
anantaN_0-1700907658792.jpeg1200×1600 241 KB

but it is showing AUD530.71 in the payment gateway

anantaN_1-1700907674882.jpeg
anantaN_1-1700907674882.jpeg1600×1200 364 KB

2

Hey @anantaN ,

Thanks for reaching out with your question today!

The discrepancy between the amount shown on the checkout page and the payment gateway could be due to several reasons. Here are a few possibilities:

  • Currency Conversion Rates: The currency conversion rates between INR and AUD can fluctuate throughout the day, and different platforms may update these rates at different times. If your store and the payment gateway are not using the same source or timing for their conversion rates, this could cause a discrepancy.
  • Additional Fees or Charges: The payment gateway might be adding additional fees or charges that are not included in the Shopify product total. These could include transaction fees, international payment fees, or currency conversion fees.
  • Rounding Differences: When converting between currencies, there may be rounding differences that could slightly alter the total amount.

Which third party gateway are you using? I suggest reviewing the payment gateway’s policies for any additional fees or charges that could be added to the transaction. If there are any, consider incorporating these into the total within your store, so customers are not surprised by the higher amount when they reach the payment gateway.

TIP: Be transparent with your customers about possible discrepancies due to conversion rates and potential extra fees. This can be done in the form of a note at checkout or in your store’s FAQ section.

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