I had two businesses in Jordan hit me with DCC, they told me there was no way to pay in the local currency. I let them know I would dispute the fee and they told me to go ahead, they couldn't change it. It didn't look like they selected "Pay in USD" on their card reader at any time, so I am wondering if they sometimes they don't have a choice. My bank did a "courtesy adjustment" and refunded the fees (about $21 total) but didn't file any dispute. Hard to imagine that I am sending a message to Visa if my bank isn't willing to dispute it, it's easier for them to just pay me off.