Originally Posted by
percysmith
2. I think in the PRC all terminals have an opt-out just in case the acquirer is asked to demonstrate an opt-out exists before the PBOC. Except triggering that opt-put is akin to triggering the test mode on a Volkswagen diesel in a EPA test lab - once back in the wild the terminals do their normal non-compliant thing again.
3. Moondog talks about the focusing of the mechanics of the DCC but I posit the card charging workflow of most PRC merchants is part of the "mechanics" facilitating DCC non-compliance - in Australia, Italy and EU in general (I hope to be able to report on Canada next year), the SOP is for terminals are brought to the customer because of Chip and PIN. This is also done in PRC for Unionpay cards (which traditionally required a PIN). But for V/M in PRC my experience is non-detachable terminal since only a signature is required. So there is much reduced scope to play our whack-a-mole or Mastermind games.
4. Certain acquirers in HK (Global Payments seems to be the most profligate given the Coyote and Greyhound cases I've been involved in) don't even have to pretend to be compliant because they fall into a regulatory black hole - the HKMA doesn't cover non-banks. Visa and (to a slightly lesser extent) MC don't do much about non-compliance (with regard to the purported BOC instructions Visa /dev/nulled me whereas MC is treating more or less like an individual exception case) so they do not seem to see the need for an opt out switch at all no matter how obscure.
I have the same feeling that all terminals in PRC have the opt-out feature, and they all have their different ways to disguise it. Some does it the "cancel button" way, some does it in a different yet much harder to crack way. Regarding detachable vs non-detachable pads, I've seen terminals with detachable PIN pads that don't display DCC options on the PIN pad, sadly. It was a 交行 machine. The PIN pad works with UnionPay cards for the PIN input, but remains dark for foreign cards that only require a signature. The DCC stuff happens on the terminal facing the cashier...
Regarding Global Payment in HK, aren't machines at high-end stores all use Global Payment machines? At least the one I encountered at a Italian restaurant in Harbour City and all the other I've seen at Hermes, LV and so forth are the same ones which print out same kind of DCC slips. At all of the places I mentioned above, I can get a confirmation slip if I insist, and the waiter at the Italian restaurant told me what they use is Global Payment... That's my logic in saying what I encountered at high-end stores is Global Payment.
And that's why I'm a little skeptical about the "Global Payment is totally un-compliant" thing.
Originally Posted by
BruceyBonus
I noticed the same. Most stores do not make it clear what you will be charged until you have put the card into the chip and PIN device. There tend to be different fees for domestic Visa/MasterCard than foreign cards. Dankort always seems to be free to use.
Interestingly none of the fast food chains appear to have a surcharge.
I encountered this situation in 2012. Looks like it is still the same. I was not very happen when Danish people here in the forum explain why they do that, but after touring AU and NZ, I just don't care about CC surcharges anymore... But yes, in Denmark I didn't see the signage about the surcharge.