Shopify multi-currency and multi-country selling from Malaysia

A Malaysian Shopify store can sell to many countries, but it charges customers in one currency. The reason is the payment setup, not the Shopify plan. This guide explains what works from Malaysia, how Singapore differs and which setup fits your business. Shopify's rules were checked on 2 November 2026.

Why is a Malaysian store limited to one checkout currency?

Shopify's help pages say only stores with Shopify Payments or Adyen as the primary gateway can process payments in a customer's local currency. Malaysia is not on Shopify's list of supported countries for Shopify Payments, so a Malaysian store uses a third-party gateway.

With any other payment provider, the local currency feature only changes how prices are displayed. At checkout, the price is converted to the store's default currency and the customer is charged in that currency. Their bank or card issuer may add its own conversion fee.

Adyen is the other route Shopify names. Whether it suits a Malaysian business is a question to confirm with Adyen and Shopify first, so do not plan around it until you have that in writing.

How is Singapore different?

Singapore is on Shopify's supported list. A Singapore store on Shopify Payments can show prices, take payment and give refunds in the customer's local currency.

What you want	Malaysian store on a local gateway	Singapore store on Shopify Payments
Show prices in other currencies	Yes, display only	Yes
Charge the customer in their currency	No, charged in the store's default currency	Yes
Refund in the customer's currency	No	Yes
FPX and local Malaysian methods	Yes, through the gateway	No, built for Singapore payment methods
Third-party fee to Shopify	2% Basic, 1% Grow, 0.6% Advanced	None on Shopify Payments sales

What still works from one Malaysian store?

One store can do a lot before you need a second one. Shopify Markets lets you group countries and customise what each group sees.

Sell and ship abroad. Create a market for each country or region and set shipping for it.
Set different prices per market. Product prices and percentage adjustments per market are available on all plans and do not need Shopify Payments. They are still charged in your store's default currency.
Show products per market. Choose which products each market can buy.
Use other languages. Translate the store for the countries you sell to.

Be careful with currency converter apps. Shopify warns that some show the customer's currency and then revert to the store's default currency at checkout. A shopper who sees SGD 100 and then a charge in ringgit may abandon the order or ask for a refund. If you show another currency, state clearly on the page that the final charge is in ringgit.

How do you manage several locations in Malaysia?

Multiple locations inside Malaysia have no currency problem, because every outlet sells in ringgit. Shopify treats a warehouse, an outlet or a pop-up as a location.

Stock is tracked separately at each location.
Online orders can be assigned to a location by stock and distance from the customer.
In-store sales run through Shopify POS at each outlet.
Different products or prices per outlet use retail markets. Custom catalogues for retail markets need POS Pro or the Plus plan.

The number of locations you can add depends on your Shopify plan. Our guide to running several outlets on Shopify POS covers stock design and rollout.

What about outlets in another country?

Shopify POS sells in a location's local currency only when you have a business entity with Shopify Payments set up for that country. Selling in several currencies across retail locations in different countries needs multiple business entities, which Shopify offers only on the Plus and Enterprise Commerce plans.

So an outlet in Singapore cannot sell in SGD from a Malaysian store on a local gateway. It needs a Singapore business and a Singapore setup.

Which setup should you choose?

Your situation	Setup	What you pay for
Most customers are in Malaysia, some overseas	One store, charged in ringgit	One Shopify plan
Overseas customers want to see their currency	One store, other currencies shown, final charge in ringgit stated clearly	One Shopify plan, and possible bank conversion fees for customers
Singapore is a real market and you have a Singapore business	A second store in Singapore on Shopify Payments	A second Shopify plan and separate stock, products and reports unless synced
Outlets and entities in several countries	Shopify Plus with multiple business entities	Plus, from USD 2,300 a month

Start with the first row unless overseas sales justify more. A second store is a second set of products, orders, reports and tax settings to run, so it needs enough sales in that country to pay for the extra work.

Frequently asked questions

Can a Malaysian Shopify store charge customers in USD or SGD?

Not on a local gateway. The customer is charged in the store's default currency. A customer can pay in their own currency only through Shopify Payments or Adyen.

Can I change my store currency to USD instead of ringgit?

Changing the store currency only changes the one currency you charge in. It does not give you several, and your gateway must support it. Check with your gateway first, as FPX and most Malaysian methods are built for ringgit.

Is Shop Pay the same as Shopify Payments?

No. Shopify Payments is the payment processor. Shop Pay is an express checkout that runs with it. Malaysian stores cannot use Shopify Payments, which is the part that affects multi-currency.

Can I sell to Singapore from my Malaysian store?

Yes. Create a Singapore market, set shipping and sell. The customer pays in your store's default currency unless you set up a separate Singapore store.

Are my reports in several currencies?

No. Shopify shows reports only in the store currency. Each store has its own currency, so a second store reports separately.

Can you help us decide and set this up?

Yes. Tell us where your customers are and which businesses you have registered. Talk to us and we will recommend the simplest setup that works.