If you're selling internationally on Amazon, you've probably noticed that the amount deposited into your bank account is sometimes lower than expected.
One of the most common reasons is the Amazon Currency Converter for Sellers (ACCS) fee.
Many Amazon sellers focus on marketplace fees, advertising costs, and shipping expenses. But currency conversion charges often go unnoticed because they're deducted before settlements reach your account.
For businesses selling on Amazon US, UK, Europe, Canada, or other international marketplaces, ACCS can quietly reduce profit margins on every payout.
This guide explains:
What Amazon Currency Converter for Sellers (ACCS) is
How Amazon calculates ACCS fees
What ACCS costs Indian sellers in real terms
How to avoid Amazon currency conversion charges
Alternative ways to receive Amazon payouts
Amazon Currency Converter for Sellers (ACCS) is a service that converts your marketplace earnings into the currency of your receiving bank account before settlement.
For example:
You sell on Amazon.com and earn USD.
Your bank account is in India and accepts INR.
Amazon converts USD into INR before sending the payout.
Amazon charges a fee for this conversion.
In simple terms, ACCS allows sellers to receive international marketplace earnings without opening a foreign currency account.
However, convenience comes at a cost.
Amazon marketplaces operate in local currencies:
If your receiving bank account is denominated in a different currency, Amazon converts the funds before settlement.
Every conversion incurs a fee.
As long as Amazon performs the conversion, ACCS charges apply.
Amazon charges a percentage of the settlement amount based on your annual sales volume.
In addition to the published fee (referral, closing & FBA), sellers should be aware that the exchange rate used for conversion may include a spread compared to market rates.
This means the total cost of receiving funds can be higher than the stated ACCS percentage.
Let’s assume the following:
Exchange rate: ₹85/USD
ACCS fee: 1.5%
Then this would be the cost breakdown of the fee, and the subsequent annual loss in INR.
A seller generating USD 20,000 in monthly revenue will leave more than ₹3 lakh annually on the table due to currency conversion fees alone!
For growing businesses, that amount could be reinvested into inventory, advertising, hiring, or expansion into new marketplaces.
The percentage may seem small, but recurring settlements make the cost significant over time.
Here’s is a step-by-step breakdown of an actual merchant transaction, compared with the profits and losses, with and without a CAD (Canadian bank) account.
** Exchange rates used in this example are illustrative only and do not represent live or guaranteed rates.
In the above example, Note how the ‘conversion route’ with a CAD account helps the merchant directly convert his earned income from CAD to INR, without the interference of ACCS service fee.
Thus, the most effective way to avoid ACCS fees is to provide Amazon with a receiving account that matches the marketplace currency.
For example:
Amazon US → USD account
Amazon UK → GBP account
Amazon Europe → EUR account
Amazon Canada → CAD account
When the settlement currency and receiving currency are the same, Amazon does not need to perform the conversion.
As a result, ACCS fees can be avoided.
With PayGlocal's cross-border solutions, Indian businesses can access virtual local currency accounts in key markets through international cards, enabling them to receive marketplace payouts in the original currency without setting up foreign entities or maintaining overseas bank accounts.
This means you can:
Receive Amazon settlements in USD, GBP, EUR and other supported currencies
Collect funds like a local business in your target markets
Receive Amazon settlements in USD, GBP, EUR and other supported currencies
Collect funds like a local business in your target markets
Reduce unnecessary conversion costs
Choose when to convert and repatriate funds to India
Simplify reconciliation and global cash flow management
Whether you're selling on Amazon US, UK, Europe, or other international marketplaces, PayGlocal helps you streamline collections while maintaining greater control over your foreign currency earnings.
Ready to simplify your global payouts?
Get started with PayGlocal's Global Collections account and begin receiving international marketplace settlements with ease.
What is Amazon Currency Converter for Sellers (ACCS)?
Amazon Currency Converter for Sellers is Amazon's payout conversion service that converts marketplace earnings into your local bank account currency before settlement.
How much does Amazon charge for ACCS?
Amazon typically charges between 0.75% and 1.5% of the settlement amount, depending on annual sales volume.
Can Indian sellers avoid ACCS fees?
Yes. Sellers can avoid ACCS fees by using receiving accounts that match the marketplace settlement currency.
Is ACCS mandatory?
No. Sellers can choose alternative receiving methods that allow them to receive funds in the original settlement currency.
...
The Amazon ACCS fee is easy to overlook because it's deducted before funds reach your account. But for businesses receiving regular international settlements, the cost can add up quickly.
Understanding how Amazon Currency Converter for Sellers works is the first step toward reducing payout costs and improving margins.
If you're selling internationally through Amazon, reviewing how you receive marketplace settlements could help you retain more of every sale and gain greater control over your cross-border revenues.
Read more
Learn how PayGlocal multi-currency accounts work →
One of the most common reasons is the Amazon Currency Converter for Sellers (ACCS) fee.
Many Amazon sellers focus on marketplace fees, advertising costs, and shipping expenses. But currency conversion charges often go unnoticed because they're deducted before settlements reach your account.
For businesses selling on Amazon US, UK, Europe, Canada, or other international marketplaces, ACCS can quietly reduce profit margins on every payout.
This guide explains:
What Is Amazon Currency Converter for Sellers (ACCS)?
Amazon Currency Converter for Sellers (ACCS) is a service that converts your marketplace earnings into the currency of your receiving bank account before settlement.
For example:
In simple terms, ACCS allows sellers to receive international marketplace earnings without opening a foreign currency account.
However, convenience comes at a cost.
Why Does Amazon Charge Currency Conversion Fees?
Amazon marketplaces operate in local currencies:
If your receiving bank account is denominated in a different currency, Amazon converts the funds before settlement.
Every conversion incurs a fee.
As long as Amazon performs the conversion, ACCS charges apply.
How Much Does Amazon Charge for ACCS?
Amazon charges a percentage of the settlement amount based on your annual sales volume.
Amazon ACCS Fee Structure
In addition to the published fee (referral, closing & FBA), sellers should be aware that the exchange rate used for conversion may include a spread compared to market rates.
This means the total cost of receiving funds can be higher than the stated ACCS percentage.
What Does the Amazon ACCS Fee Cost Indian Sellers?
Let’s assume the following:
Exchange rate: ₹85/USD
ACCS fee: 1.5%
Then this would be the cost breakdown of the fee, and the subsequent annual loss in INR.
A seller generating USD 20,000 in monthly revenue will leave more than ₹3 lakh annually on the table due to currency conversion fees alone!
For growing businesses, that amount could be reinvested into inventory, advertising, hiring, or expansion into new marketplaces.
The percentage may seem small, but recurring settlements make the cost significant over time.
Here’s is a step-by-step breakdown of an actual merchant transaction, compared with the profits and losses, with and without a CAD (Canadian bank) account.
** Exchange rates used in this example are illustrative only and do not represent live or guaranteed rates.
How to Avoid Amazon Currency Converter for Sellers Fees
In the above example, Note how the ‘conversion route’ with a CAD account helps the merchant directly convert his earned income from CAD to INR, without the interference of ACCS service fee.
Thus, the most effective way to avoid ACCS fees is to provide Amazon with a receiving account that matches the marketplace currency.
For example:
Amazon US → USD account
Amazon UK → GBP account
Amazon Europe → EUR account
Amazon Canada → CAD account
When the settlement currency and receiving currency are the same, Amazon does not need to perform the conversion.
As a result, ACCS fees can be avoided.
How Indian Sellers Can Receive Amazon Payouts in USD, GBP, EUR and More with PayGlocal
With PayGlocal's cross-border solutions, Indian businesses can access virtual local currency accounts in key markets through international cards, enabling them to receive marketplace payouts in the original currency without setting up foreign entities or maintaining overseas bank accounts.
This means you can:
Whether you're selling on Amazon US, UK, Europe, or other international marketplaces, PayGlocal helps you streamline collections while maintaining greater control over your foreign currency earnings.
Ready to simplify your global payouts?
Get started with PayGlocal's Global Collections account and begin receiving international marketplace settlements with ease.
Frequently Asked Questions
What is Amazon Currency Converter for Sellers (ACCS)?
Amazon Currency Converter for Sellers is Amazon's payout conversion service that converts marketplace earnings into your local bank account currency before settlement.
How much does Amazon charge for ACCS?
Amazon typically charges between 0.75% and 1.5% of the settlement amount, depending on annual sales volume.
Can Indian sellers avoid ACCS fees?
Yes. Sellers can avoid ACCS fees by using receiving accounts that match the marketplace settlement currency.
Is ACCS mandatory?
No. Sellers can choose alternative receiving methods that allow them to receive funds in the original settlement currency.
...
The Amazon ACCS fee is easy to overlook because it's deducted before funds reach your account. But for businesses receiving regular international settlements, the cost can add up quickly.
Understanding how Amazon Currency Converter for Sellers works is the first step toward reducing payout costs and improving margins.
If you're selling internationally through Amazon, reviewing how you receive marketplace settlements could help you retain more of every sale and gain greater control over your cross-border revenues.
Read more
Learn how PayGlocal multi-currency accounts work →
