Multi-currency, Shopify Markets vs Magento native?

Separate the price a shopper sees, the currency charged at checkout and the currency paid into your bank account. Shopify local-currency behavior depends on the supported payment setup and market configuration. Magento Open Source and Adobe Commerce PaaS use website, store and store-view scopes, with payment and currency configuration to verify. Test a real purchase and refund in each required region. A language or currency change does not automatically require a separate store.

Official references: Shopify international payments; Adobe scope hierarchy.