Localized Pricing

Localized Pricing lets you control how your products are priced and presented across different countries and currencies. Zotlo applies your pricing rules at checkout so customers see prices that match your international strategy.

This feature reduces friction, improves conversion, and provides a localized payment experience without losing pricing control.

How Localization Works

Zotlo does not decide the currency itself, the merchant defines all pricing behavior. Zotlo provides a country-based pricing structure and lets merchants fully control the amount and currency shown to customers in each market.

Merchant sets the pricing rules

Merchants control pricing and currency behavior in multiple ways:

• Default behavior: When you enter a base price, Zotlo automatically generates localized prices for non-USD countries using local currencies.

• Override options: You can disable automatic localization and charge all customers in USD (or any currency you select).

• Country-level customization: You can override the currency and/or price for specific countries. (Example: Brazil → BRL, Germany → EUR, Turkey → TRY, All Others → USD)

• Whether adaptive-pricing applies (one-time payments only)

Zotlo applies your rules

• Customers see prices in the currency and amount you defined

• If adaptive-pricing is enabled, Zotlo automatically calculates a local price using the adaptive base price and current FX logic

• Applies base price as fallback for countries with no specific rule

This logic works the same in both the MoR and PSP models, Zotlo always applies your configuration at checkout.

Tax-Inclusive Pricing

All prices configured in Zotlo must be tax-inclusive. Zotlo never adds VAT, GST, or sales tax on top of the merchant-defined price during checkout.

• In the MoR model, taxes are calculated and extracted internally by Zotlo.

• In the PSP model, tax handling is the merchant’s responsibility, but the customer still pays exactly the configured price.

PLEASE NOTE : Customers always pay the final amount you define for each country.

Minimum Charge Amounts

Zotlo enforces a global minimum threshold as 0.50 USD (or equivalent in local currency).

IMPORTANT : If a country price falls below the minimum allowed amount, the transaction is restricted.

Supported Currencies

Zotlo supports 43 currencies for localized pricing and merchants can assign any of these currencies to any country.

Currency Code	Currency Name	Countries
AED	UAE Dirham	United Arab Emirates
ARS	Argentine Peso	Argentina
AUD	Australian Dollar	Australia
BRL	Brazilian Real	Brazil
CAD	Canadian Dollar	Canada
CHF	Swiss Franc	Switzerland
CLP	Chilean Peso	Chile
CNY	Chinese Yuan	China
COP	Colombian Peso	Colombia
CZK	Czech Koruna	Czech Republic
DKK	Danish Krone	Denmark
EGP	Egyptian Pound	Egypt
EUR	Euro	European Union Countries: Austria Belgium Croatia Cyprus Estonia Finland France Germany Greece Ireland Italy Latvia Lithuania Luxembourg Malta Netherlands Portugal Slovakia Slovenia Spain
GBP	British Pound	United Kingdom
HKD	Hong Kong Dollar	Hong Kong
HUF	Hungarian Forint	Hungary
IDR	Indonesian Rupiah	Indonesia
ILS	Israeli Shekel	Israel
INR	Indian Rupee	India
JPY	Japanese Yen	Japan
KWD	Kuwaiti Dinar	Kuwait
KZT	Kazakh Tenge	Kazakhstan
MXN	Mexican Peso	Mexico
MYR	Malaysian Ringgit	Malaysia
NOK	Norwegian Krone	Norway
NZD	New Zealand Dollar	New Zealand
PEN	Peruvian Sol	Peru
PHP	Philippine Peso	Philippines
PLN	Polish Zloty	Poland
QAR	Qatari Riyal	Qatar
RON	Romanian Leu	Romania
RUB	Russian Ruble	Russia
SAR	Saudi Riyal	Saudi Arabia
SEK	Swedish Krona	Sweden
SGD	Singapore Dollar	Singapore
THB	Thai Baht	Thailand
TRY	Turkish Lira	Turkey
UAH	Ukrainian Hryvnia	Ukraine
USD	US Dollar	United States
VND	Vietnamese Dong	Vietnam
ZAR	South African Rand	South Africa

MoR vs PSP Behavior

Although pricing logic is identical, supported currencies and settlement behavior differ by model.

Merchant of Record (MoR)

• All 43 currencies available

• Local prices appear directly at checkout

• Zotlo handles FX, settlement, compliance, and taxation

Connected PSP

• Supported currencies depend on the PSP

• Zotlo still applies your country-based pricing rules

• Settlement, FX, and restrictions follow PSP policies

Refunds

Refund behavior follows the original pricing configuration:

• Refunds are issued in the original transaction currency

• Partial refunds and proration also use the original currency

• The refund amount is based on the original payment amount, even if localized prices were updated later

Invoices and Taxation

Localization affects invoice content but not tax logic:

• Invoices show the charged currency for that country

• Localized pricing does not automatically imply local taxation

• In MoR:

  • Zotlo calculates, applies, and remits taxes

  • Invoice is issued by Zotlo with the localized price

• In PSP model:

  • Taxes depend on your PSP / merchant tax settings

  • You control invoicing and tax compliance directly