Originally Posted by
tmiw
I'm not sure if this counts as DCC per se but I used a HSBC ATM in Puerto Vallarta that showed a screen letting me choose between "local currency" and I think USD. I forget whether it spit out multiple currencies or if it only contained pesos, which is why I'm not sure.
It depends. There are some multi-currency ATMs that use Visa or MC exchange rates. If it is trying to fix a USD/MXP exchange rate, it was DCC. If it dispensed both MXP and USD but applied the exchange rate from the payment networks then it wasn't DCC. I encountered such an ATM in the Turkish part of Nicosia that dispensed Euros, Pound Sterling, and Turkish Lira but used Visa's exchange rate. Another case was a Barclay's ATM in Gibraltar that dispensed both GBP and EUR. I haven't been to Puerto Vallarta, but don't many of the tourist places accept (our perhaps even prefer) USD?
On another note, we finally struck DCC twice in the US! While the terminals were not compliant with Visa regulations, DCC was easily avoidable. I'll post details Monday evening after I've had a chance to scan the receipts and the transactions post on my sister-in-law's account.