For whatever good it does, I wrote Caffe Nero an email telling them I am boycotting them entirely over it. And yes, it's the Irish-style DCC that makes it look like you're cancelling the entire transaction - that does NOT need to spread in the UK, a fairly safe country. It also doesn't actually comply with network requirements that DCC be an active choice. There's nothing active about thinking you HAVE to hit OK, as would be intuitive.