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    How to show currency as MYR in front end, but collect payment as SGD in the back end?

    Asked by cgskillaccounts on May 20, 2016 at 04:18 AM
    The currency shown is in MYR. This we preferred be the front end collected amount from customers. But actually unknown to them, our collection is actually in SGD. This is converted to them in the front end seen as MYR fixed at the same price. The only variable is what we receive at that point in time based on forex rate.
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    Answered by Carina on May 20, 2016 at 05:08 AM

    If I understood correctly your request. the price in MYR would be fixed, but the charged amount in SGD would vary according to the day forex rate. 

    But I'm not sure if this part is legal:
    " But actually unknown to them, our collection is actually in SGD"

    On same cases, banks charge fees for payments in another currency. If they are buying in MYR (which is the currency being displayed next to the products) but the actual payment is in SGD this does not seem legal to me, even if they are technically paying the same amount. Again, some banks charge fees when accepting payments in another currencies and what they are authorizing is a payment in MYR, not a payment in SGD. 

    But if the final conversion happens in your account, then you can charge in MYR and there is no problem.

    Let us know if we can assist you further.   

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    Answered by cgskillaccounts on May 20, 2016 at 05:44 AM
    Thanks Carina, this is kind of reverse charging. Whichever the currency
    rate, we will receive in SGD in our merchant account. Because we are not
    able to do a MYR in our account, have to do something on the API side or
    something. Heard this could be done on website.
    ...
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    Answered by Carina on May 20, 2016 at 07:26 AM

    Thank you for the additional details. But still it seems to me that customers will be charged in SGD even though the products are displaying prices in MYR. I still believe this is not legal. 

    I understand that you would like to display the prices in MYR, just for reference, as this can be a more popular currency for your users, but users need at all time to know that they are actually paying in SGD.

    Let us know if this might be a solution for you.

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    Answered by cgskillaccounts on May 20, 2016 at 09:44 AM
    Yes it is. As long they see is in sgd. But I believe backend they will see
    sgd in their credit card statement. Which would still be equivalent to the
    myr amount. How do I set this up?
    ...
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    JotForm Support

    Answered by KadeJM on May 20, 2016 at 11:35 AM

    According to my findings on google currency chart SGD & MYR currencies are obviously two different types of currency used.

    So I believe for legal reasons it should be displayed ahead of time to reflect both of those correctly otherwise it could potentially appear suspicious to users purchasing through your form and I think this is also what Carina was explaining at first.

    Please allow us some time to look into this further so that we might then be able to advise you with this on an appropriate way to go about it.

     

     

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    JotForm Support

    Answered by KadeJM on May 20, 2016 at 12:31 PM

    Are you trying to do this with paypal on this form here https://form.jotform.me/61400409328448

    Or are you trying to do this on another form or elsewhere?

    Have you considered trying to change the currency in your paypal account since you wish use sgd and myr?

    In my tests these show up for paypal accordingly on my end using SGD whereas MYR has to be set though otherwise it rejects the payment and you must be a resident of the area for it to work.

    Unless perhaps you having the opposite affect?

    According to your IP it shows you are in Malaysia so I am thinking you might possibly be experiencing the opposite of that hence your reason for conversion or so it seems.

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    Answered by cgskillaccounts on May 20, 2016 at 05:16 PM

    Hi Kade,

    Our intended merchant account would be based in Singapore instead and either in currency of SGD or USD. Not able to accept MYR.

    However, we intend for the purchaser to see it as MYR when making purchases. And perhaps there is another way to show them what is the amount it is in SGD/USD when converted from this MYR.

    Talked to some PayPal people. They mentioned something about API integration (I believe that works for website ecommerce) but don't think so for jotform. Prefer to have this within jotform on a single platform.

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    JotForm Support

    Answered by KadeJM on May 20, 2016 at 05:56 PM

    Thanks for the additional details about this and I believe I understand your reasons for such.

    We have two currency widgets but I think the currency converter might benefit you the most for something of this sort.

    A problem though is that the currency converter widget only does this manually since currently it doesn't contain any settings for specific repeated conversions.

    The only thing I can think of is exploring this as a possible option or the option of adding some text next to your MYR though that isn't dynamic and just inserted.

    Another alternative would be to possibly create some sort of calculation that could configure and display the converted currency amount. But this too is just static and not dynamic unless you go in and manually update it each time.

    Perhaps my colleagues might have better ideas though. I'll need some further time to continue to explore further possibilities to see what we can maybe do for this for you.

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    Answered by cgskillaccounts on May 20, 2016 at 06:11 PM

    Thanks Kade! If there is an easy solution to the above, much appreciated.

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    JotForm Support

    Answered by BDAVID on May 20, 2016 at 07:37 PM

    On behalf of my colleague, you are welcome! Please open a new thread if you need anything else, we will be glad to assist you.