Fellow traveler klashn and I saw DCC at Pans & Company in Madrid tonight. This was my first data point with Pans because I remember they didn't take cards a few years back. The terminal had BBVA branding, and it required the cashier to press cancel to change to local currency. It seemed like the cashier was defaulting to local currency, but I did prompt to make sure there was no opt-in. The receipt did not indicate anything about DCC, and the pending amount on the online Chase account was using the Visa exchange rate.