thread Re: Accepting US Credit Card payment int Canadian Bank Account (at daily rate) in Payments Troubleshooting

Feature Request: Charge customers in different currencies using Square Point of Sale

Zephyr — Sun, 21 Sep 2025 17:55:32 GMT

The title of this post has been edited from the original: USD transactions in Canada

Is it possible to open USD account in Canada such that I can conduct all transactions in USD either in Canada or the US by phone AND have the proceeds deposited into a USD account at a Canadian bank?

Re: USD transactions in Canada

Spenser — Sun, 26 Jun 2016 21:14:59 GMT

Unfortunately not, @Zephyr. You can only process transactions in the currency of the country where your account was activated; so an account created in Canada will process all sales in CAD.

It is up to the cardholders bank to determine the conversion rate and any applicable fees. Hope that info helps.

Re: USD transactions in Canada

JonathanGlobe — Fri, 11 Aug 2017 13:58:19 GMT

Do you have an estimate of how much the banks could charge?

As an example, I'm going to accept $500 USD from a customer's Amex in the U.S.

Our business is in Canada so the $500 will be converted to approximately $635 CAD in our bank account.

I wonder how much our customer will be charged.

Thank you.

Jon

Re: USD transactions in Canada

Chad — Sun, 13 Aug 2017 23:39:27 GMT

Hello @JonathanGlobe, I recommend contacting AMEX directly. Transaction fees and exchange rates change on a regular basis. They should be able to give you an accurate estimate.

Configure US Exchange Rate

harcottr — Wed, 15 Nov 2017 02:51:06 GMT

I need to be able to add the US exchange rate onto my Canadian sales. For instance if an item is $20 US, I need to add the rate I paid to it -- so add 30% for the Canadian conversion -- how can I accomplish this? I tried to add it into the sales tax but I don't get to add in a descriptive name, and the modifiers are an amount not a percentage.

thanks in advance

Re: Configure US Exchange Rate

Helen — Fri, 17 Nov 2017 19:21:49 GMT

This reply was created from merging an existing thread: “Configure US Exchange Rate”

Hi @harcottr, I've moved your post here as another seller had a similar question.

It's not possible to change the currency in the Point of Sale app. As a Square seller in Canada all transactions will be completed in CAD. I'll share your request to process payments in USD with the Product Team.

Re: Configure US Exchange Rate - USD transactions for Canadian business

RCIC — Sat, 25 Aug 2018 17:44:08 GMT

Any news on this front? The inability to process transactions in USD for certain Canadian businesses is a major shortcoming.

Re: Configure US Exchange Rate - USD transactions for Canadian business

mbay — Fri, 24 May 2019 23:16:29 GMT

I have the same issue. I might have to use another app if this can't be done with Square.

Re: USD transactions in Canada

klchatel — Fri, 01 Nov 2019 16:22:51 GMT

I also have the same issue. I need to invoice US customers in US funds (from Canada). This is the only restriction that is holding me back from changing my invoicing over from PayPal. I hope you find a solution soon.

Re: USD transactions in Canada

Joe — Sat, 02 Nov 2019 14:24:18 GMT

Thanks for this feedback, @klchatel. This feature request seems to be a very popular one. When there is an update to share, we will be sure to let you know! Thank you.

Re: USD transactions in Canada

malibuclub — Mon, 09 Dec 2019 22:09:13 GMT

This thread is over two years old and there's still no change to this rather instrumental aspect of doing business outside of the US.

At very least being able to program taking a cash tender that is in a different currency.

Not being able to do invoicing or having it integrate with platforms like Cognito or Wufoo for taking online payments in USD when we are outside of the US is why I have not moved everything we do from Stripe to Square. And why we haven't moved our larger store with considerably more sales to Square POS because we would die in a pile with at least 50% of our customers showing up with nothing but USD cash. It's legal. It's possible. You're just not putting your developers on to prioritizing something that you yourself say is in high demand.

Americans continue to insist that the USD be accepted as a global currency wherever they go. Either change the entire culture of your country so that they don't expect to be able to use USD cash in stores in foreign countries, or give your clients outside of the US the ability to take in more than one cash currency as tender through any of the POS systems that you have (regular and Retail). It's kind of a no-brainer which one is easier.

using square in the U.S. when acct setup originally in Canada

bbahi — Thu, 05 Mar 2020 00:37:04 GMT

This reply was created from merging an existing thread: using square in the U.S. when acct setup originally in Canada

1. Using Square with Opencart 3.0 account is setup in Canada, but our shipping location is in NY and we want transactions handled for shipments made from the U.S. to show in USD. HOW?

2. Is there a setting to be able to do the above? Or do we need to have a US bank account? We already have a U.S. address.

Thank you

Re: using square in the U.S. when acct setup originally in Canada

Valentina — Thu, 05 Mar 2020 00:36:09 GMT

Hi and welcome to the Community, @bbahi 👋 It's currently not possible to accept multiple currencies with Square. I've gone ahead and moved your post to a thread where this question has been asked before in the Community.

If you'd like for shipments made from the US to appear in USD, you would want to create a separate US-based Square account for those shipments.

Re: using square in the U.S. when acct setup originally in Canada

Reefertilizer — Tue, 07 Apr 2020 23:18:40 GMT

Hi Valentina - We are based in Canada. Can we accept US Credit Cards through Square into our Canadian Bank Account (with the day's exchange rate applied)?

Accepting US Credit Card payment int Canadian Bank Account (at daily rate)

Reefertilizer — Wed, 08 Apr 2020 02:25:12 GMT

@Valentina

Re: Accepting US Credit Card payment int Canadian Bank Account (at daily rate)

Valentina — Thu, 09 Apr 2020 23:16:35 GMT

Hi @Reefertilizer - you should be able to accept most non-Canadian issued credit cards, so long as they're bearing a Visa, MasterCard, American Express, JCB or Discover logo. You can learn more about what kinds of cards can be accepted by taking a look at this article.

Let us know if any questions come up!

Re: Accepting US Credit Card payment int Canadian Bank Account (at daily rate)

Reefertilizer — Fri, 10 Apr 2020 16:21:43 GMT

Thank you @Valentina ... We had a US customer just try and process an order and received this message from WooCommerce:

"Square Payment Failed (Status code INVALID_VALUE: This business can only process payments in CAD but amount was provided in USD.) Order status changed from Pending payment to Failed."

What are we doing wrong?

Re: Accepting US Credit Card payment int Canadian Bank Account (at daily rate)

Valentina — Fri, 10 Apr 2020 19:16:02 GMT

Based on the error message you've shared with us, it sounds like this is due to the fact that it's currently not possible to accept multiple currencies with Square. However, WooCommerce does offer an extension that allows customers to switch the currency they're choosing to pay with.

Because payments processed with Square must be processed in your country’s official currency - CAD in your case - it doesn't look like you'll be able to use that extension if you'd like to use Square as your payment processor, @Reefertilizer.

You'll want to reach out directly to WooCommerce for clarity, as they manage this integration.

Re: Accepting US Credit Card payment int Canadian Bank Account (at daily rate)

Reefertilizer — Fri, 10 Apr 2020 22:25:18 GMT

Thanks @Valentina.

Is this an issue that Square is currently dealing with?

As you can see throughout this thread - this is a very common issue that many Square online retail users are having. Or is Square more focused on their POS customers?

Signed,

Ex-Stripe user that is confused as to why Square doesn't offer similar services yet somehow still considers itself as a main rival to Stripe

Re: Accepting US Credit Card payment int Canadian Bank Account (at daily rate)

RCIC — Fri, 10 Apr 2020 22:35:45 GMT

They are nothing like Stripe. I moved quickly from Square to Stripe when I realized I cannot do anything with Square