For every travel payment workflow, record which amount the customer agreed to pay and in which currency. Then follow that transaction through the payment provider and the business’s payout record. This gives the team a clear way to explain differences without guessing from a single bank entry.

Start with a completed sample booking and its documents. Use fictional or appropriately redacted details for the review, because the aim is to understand the process rather than circulate unnecessary customer information.

Give each currency a clear name

Stripe distinguishes the currency of the customer’s payment method, the presentment currency of the charge and the settlement currency used at the payout destination. They can differ. Use the terms defined by your own provider when mapping the arrangement. Source: Stripe: supported currencies

Write those currencies beside the relevant amounts. Include a currency code where a symbol could be ambiguous, so a colleague does not have to infer the meaning from the customer’s location.

For an illustrative record, label the customer charge and the business payout separately. Do not replace the original charge with a converted figure simply because the finance report uses another currency.

Record the conversion rule behind the quote

Save the currency pair, direction, rate source and time used in the calculation. Add any separately applied fee or rounding rule. These details allow the team to reproduce the quoted amount rather than applying a new rate and obtaining a different result.

A published reference rate is not necessarily a transaction offer. The European Central Bank describes its reference rates as information and discourages their use for transaction purposes. Check the actual provider arrangement before promising an amount. Source: European Central Bank: euro reference exchange rates

For a fictional arithmetic check, assume GBP 1 = EUR 1.20. At that rate, EUR 120 converts to GBP 100 before separate charges. The reverse calculation multiplies GBP 100 by 1.20. These are illustrative figures, not a current exchange rate.

Check what the customer will actually authorise

Compare the accepted quote with the payment page. Confirm the amount and currency of the proposed charge before the customer authorises it. If another amount is an estimate for information, label it accordingly so it is not mistaken for the charge itself.

Test the same booking after an amendment. Keep the changed amount and the customer’s agreement together, so a colleague can see which version of the quote supports the payment instruction.

For local charges within an advertised travel price, use the separate price presentation guide. It addresses how the total and payment timing should be shown.

Confirm the payout arrangement

Stripe’s additional-currency settlement documentation describes arrangements that depend on supported countries, currencies and accounts. A site being able to display a currency does not establish that a particular business account can receive a payout in it. Source: Stripe: settlement in additional currencies Source: Stripe: supported currencies

Ask the provider which conversion steps and charges apply to your account. Then compare that answer with a real settlement record. This checks the arrangement in use instead of relying on a general feature description.

Include a refund in the process review. Confirm the provider’s current rules and record the original charge, refund instruction and resulting account entries separately, so the team can explain the actual sequence.

Keep the calculation and reconciliation together

Give the currency review an owner and retain its sample records. Revisit it when a payment provider, account or pricing rule changes. This keeps the operating instructions tied to the arrangement the business is using.

Use the payment reconciliation guide for the wider check. Currency handling should be one visible part of that process, with each amount traceable to its purpose.

Written and updated by Travelgenix. Sources checked on 16 October 2026. Worked examples and checklists are editorial illustrations and recommendations, not customer results.