When you sell in several currencies, the way you price shipping protection matters more. A percentage-based fee scales with the cart in any currency. A fixed fee set in your store currency converts into uneven amounts that can look odd at checkout. Choose a structure that stays fair and readable everywhere, then test each market.
For the basics of pricing, see how much to charge for shipping protection and the package protection guide.
Fixed fee or percentage?
| Pricing | In one currency | Across currencies |
|---|---|---|
| Fixed fee | Simple and predictable | Converts into uneven amounts |
| Percentage of cart | Scales with order value | Scales the same way in every currency |
| Percentage with min/max | Fair for small and large carts | Caps keep it reasonable everywhere |
| Price bands by cart value | Clear tiers | Tiers are set in store currency and converted |
For most multi-currency stores, a percentage with a minimum and maximum is the easiest to keep fair.
How does conversion affect the fee?
If your store currency is US dollars and a customer shops in euros, the protection fee is shown in euros. A $2.00 fixed fee becomes whatever the exchange rate makes it, which may not be a round number. A percentage fee avoids that problem because it is calculated on the cart total the customer already sees.
If your store applies price rounding to products, check whether the fee looks consistent next to rounded product prices.
When should prices differ by country?
Currency is not the same as risk. A customer paying in euros might be in a country with very low or very high loss rates. Start with one rule for everyone, then adjust where your claim data says it is needed. See package protection by country for show, hide and pricing rules by destination.
What should you test?
- Each key currency: add items, check the fee and total.
- Small and large carts: confirm the minimum and maximum work as expected.
- Checkout: the fee should match between the cart and checkout.
- Refunds: a protection refund should return the amount the customer paid in their currency.
What should your policy say?
- That the fee is shown and charged in the customer’s checkout currency.
- That refunds are made in the currency of the original payment.
- Any differences in cover for international orders, such as customs exclusions.
Build the policy with the free claim policy generator.
What mistakes should you avoid?
- A fixed minimum that is too high in a currency where carts are usually small.
- Different fees in the cart and at checkout after currency switching.
- Forgetting price bands when you add a new market with very different order values.
How do you review it over time?
Look at protection revenue and claims by market each quarter. If one market’s loss ratio is much higher, raise its price band or adjust visibility there. If currencies move sharply, check that fixed minimums and maximums still make sense.
To set up pricing, see Sam Shipping Protection.
Frequently asked questions
Should I use a fixed or percentage protection fee for multiple currencies?
A percentage fee with a minimum and maximum usually works best, because it scales with the cart in any currency. A fixed fee converts into uneven amounts.
Will customers see the protection fee in their own currency?
With an app that supports multi-currency, the fee is shown in the customer's currency. Check each key market with a test order.
Do I need different protection prices per country?
Not always. Start with one percentage rule, then adjust for destinations where claim rates or reship costs are much higher.
Part of our guide: Package protection →