Originally Posted by
Majuki
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 wonder how often that even happens though. In my recent case, Chase just credited me the difference pretty much immediately. I suspect they just wear it because going through the process would cost them more human effort than the amount being disputed.