---
title: What is the exchange rate used for my payment?
description: "\"When a card payment is made in a currency different from your account balance, the amount is converted using the exchange rate provided by the card network at the time of the transaction.\n\nThis rate may include a small margin applied by the card network or payment processor. Any applicable fees or conversions are reflected in the final transaction amount.\n\nCardholder Agreement with all Terms can be located via the link and on spendbase.co website: https://www.spendbase.co/wp-content/uploads/2026/06/Spendbase-Commercial-Card-Program-Agreement.pdf \""
---
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# What is the exchange rate used for my payment?
When a card payment is made in a currency different from your account balance, the amount is converted using the exchange rate provided by the card network at the time of the transaction.
This rate may include a small margin applied by the card network or payment processor. Any applicable fees or conversions are reflected in the final transaction amount.
Cardholder Agreement with all Terms can be located via the link and on [spendbase.co](http://spendbase.co/) website: [https://www.spendbase.co/wp-content/uploads/2026/06/Spendbase-Commercial-Card-Program-Agreement.pdf](https://www.spendbase.co/wp-content/uploads/2026/06/Spendbase-Commercial-Card-Program-Agreement.pdf)
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