In Poland with an Euro chip-and-pin Maestro card I had a really bad experience in a hotel. On the customer display "AMOUNT PLN 100.00 ENTER PIN ****" was shown. After entering the PIN this was on the Polcard slip:
Exchange rate*: 0.24257
Fee/mark-up: 3.00%
Amount 24.26 EUR
* This currency conversion is provided
by eService S.A.
I have chosen not to use the MasterCard
conversion method and I will
have no recourse against MasterCard
concerning the currency
conversion or its disclosure
The official MasterCard/Maestro exchange rate for that day was 0.23594.
I disputed the transaction with my bank without success. I learned from the central payment processing center in Frankfurt, Germany that a chip-and-pin transaction cannot be voided.
I void chip and pin transactions all the time. That's simply not true. What generally can't be done is a refund in the DCC currency.