Originally Posted by
vegascraig
Since they're claiming to have been paid in IDR, does this mean it was a case of DCC and should I fight it?
The worst Citibank can do is deny your chargeback claim. Tell them the receipt denominated in IDR and claim you weren't informed that the conversion would be happening and at what rate. You can mention you would like to file a reason code 4846 chargeback. You can read about it
here. I think the key phrase is:
The acquirer is prohibited from using the second presentment to dispute the validity of the cardholder's claim regarding the selection of or non-agreement to the currency.
A valid chargeback in MasterCard's opinion is simply you stating in writing that you were not given the opportunity to choose the desired currency in which the transaction was completed or did not agree to the currency of transaction. It's clear from what happened here that you made a good faith effort to try to get the transaction to process in IDR but the website wasn't allowing you to complete the transaction. This is similar to where a merchant chooses for you and you get handed a receipt in your card's, not local, currency.