---
title: "Creating a Payment with FX"
source_url: https://docs.rapyd.net/en/creating-a-payment-with-fx.html
lang: en
---

# Creating a Payment with FX

Create a payment with currency conversion.

You can create a payment where the buyer pays in one currency and the merchant receives a different currency. You decide which currency the price is in.

Reasons to create a payment with currency conversion include:

- Allow a buyer to pay with their local currency while you receive the funds in your preferred currency.
- Fund your wallet using a currency that is different than the wallet's currency.

Use the following [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment") request parameters:

- `fixed_side` - Defines whether the payment price is in the merchant's currency or the buyer's currency. One of the following:

  - **buy** - The price is in the merchant's currency. The buyer uses the buyer's currency to pay the equivalent of the price. The merchant receives the price amount in the merchant's currency.
  - **sell** - The price is in the buyer's currency. The buyer pays the price amount. The merchant receives in the merchant's currency the equivalent of the price that the buyer paid.
- `amount` - The amount of the price, in the currency defined in `currency`.
- `currency` - The currency of the price. One of the following:

  - When `fixed_side` is **buy**: The merchant's currency.
  - When `fixed_side` is **sell**: The buyer's currency.
- `requested_currency` - One of the following:

  - When `fixed_side` is **buy**: The buyer's currency.
  - When `fixed_side` is **sell**: The merchant's currency.
- `payment_method` - The buyer's payment method. The payment method must support the buyer's currency.

Procedure - Price Is in the Merchant's Currency

Use this procedure for a payment where the price is in the merchant's currency.

Create a payment as described in [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment"), with the following settings:

- `fixed_side` - **buy**. Sets the payment price in the merchant's currency.
- `amount` - **321.99**. The amount of the price.
- `currency` - **USD**. The merchant's currency.
- `requested_currency` - **SGD**. The buyer's currency.
- `payment_method` - The buyer's payment method. An object with **sg_paynow_bank** as `type`.

The response shows:

- The buyer paid SGD 443.83, the equivalent of the price.
- The buyer's payment was converted to the merchant's currency.
- The merchant's wallet received the price, USD 321.99.

- - Example request - partial

    - ```
      {
          "fixed_side": "buy",
          "amount": 321.99,
          "currency": "USD",
          "requested_currency": "SGD",
          "payment_method": {
              "type": "sg_paynow_bank",
                                      "fields": {          
      //         . . .
              }                 
          }
              
      //         . . .

      }
      ```
- - Example response - partial

    - ```
         "data": {
      //         . . .

              "original_amount": 443.83,

      //         . . .

              "currency_code": "SGD",

      //         . . .

              "ewallets": [
                  {
                      "ewallet_id": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
                      "amount": 321.99,
      //         . . .
                  }
              ],
      //         . . .
              "payment_method_type": "sg_paynow_bank",
      //         . . .
              "fx_rate": 0.72548434,
              "merchant_requested_currency": "USD",
              "merchant_requested_amount": 321.99,
              "fixed_side": "buy",

      //         . . .
          }
      ```

For a full code example, see **Funding Wallet with FX - fixed side buy** on [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment").

Procedure - Price Is in the Buyer's Currency

Use this procedure for a payment where the price is in the buyer's currency.

Create a payment as described in [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment"), with the following settings:

- `fixed_side` - **sell**. Sets the payment price in the buyer's currency.
- `amount` - **449.99**. The amount of the price.
- `currency` - **SGD**. The buyer's currency.
- `requested_currency` - **USD**. The merchant's currency.
- `payment_method` - The buyer's payment method. An object with **sg_debit_mastercard_card** as `type`.

The response shows:

- The buyer paid SGD 449.99, the price.
- The buyer's payment was converted to the merchant's currency.
- The merchant's wallet received USD 323.72, the equivalent of the price that the buyer paid.

- - Example request - partial

    - ```
      {
          "fixed_side": "sell",
          "amount": 449.99,
          "currency": "SGD",
          "requested_currency": "USD",
          "payment_method": {
              "type": "sg_debit_mastercard_card",
                                      "fields": {          
      //         . . .
              }                 
            
          }
              
      //         . . .

      }
      ```
- - Example response - partial

    - ```
         "data": {
      //         . . .

              "original_amount": 449.99,

      //         . . .

              "currency_code": "SGD",

      //         . . .

              "ewallets": [
                  {
                      "ewallet_id": "ewallet_c67c44ec60d5c2e62480aa7c76b3f8b4",
                      "amount": 323.72,
      //         . . .
                  }
              ],
      //         . . .
              "payment_method_type": "sg_debit_mastercard_card",
      //         . . .
              "fx_rate": 0.71939468,
              "merchant_requested_currency": "USD",
              "merchant_requested_amount": 323.72,
              "fixed_side": "sell",

      //         . . .
          }
      ```

For a full code example, see **Funding Wallet with FX - fixed side sell** on [Create Payment](https://docs.rapyd.net/en/create-payment.md "Create Payment").