Originally Posted by
lamphs
Ran into the DCC scam this evening at an established restaurant in Malta. A bit surprised because everything else that I have charged in Malta, there has not been a currency choice - just Euros.
Do you care to name and shame the restaurant?
I told him that I'd dispute the transaction with VISA (Chase) and the restaurant would likely receive $0. (Not sure whether or not that is accurate.)
This isn't completely accurate. In a full Reason Code 76 chargeback Chase would send the transaction back to the acquirer for the restaurant, and the transaction would be reprocessed in euros. Typically the acquirer will penalize the merchant for a chargeback. It's a fantastic headache for the merchant, and I relish any opportunity to do this for those in on the DCC scam.
I suggested that we use xe.com and he pay me the difference in Euros - cash - and I wouldn't dispute the charge. He agreed and all is good. But the difference was significant. That adds up when you do that to all of your customers.
I would have stood my ground and demanded that the restaurant void the transaction. Your chosen path unfortunately allows the restaurant to get away with this without penalty. You can still file a chargeback when you get home. I seriously hope you didn't tip...