Originally Posted by
rasheed
I would agree that contactless does seem to avoid a DCC prompt in most cases. I am unsure if it is by design or the folks that design the DCC software have not gotten around to updating the software flow yet.
Yes, I did find one major retailer in the UK that still forced the DCC prompt on tap transactions. It was about 3-5% above the wholesale rate and did seem unique. It was not difficult to opt-out, but it definitely is possible to get the prompt even with a NFC tap.
This has been reported in a few instances. Which retailer did the DCC for contactless transactions? Fortunately in the UK, I've seen the ability to opt out 100% of the time.
Originally Posted by
rjn21
PIN typed in, terminal says “approved, remove card.”
15 seconds after card removal, terminal says “DCC check in progress.”
Terminal then offers AED or (in my case) GBP. No presentation of the rate offered, just amounts of AED or GBP. The GBP was 7% over the rate I obtained from my bank, using AED.
So unless you loiter by the terminal after you’ve paid and taken your card, you won’t see the DCC prompt, and may have lost control of the terminal at that point, so unknowingly get DCCd.
That definitely isn't compliant and is post facto DCC. This is one time when I'm glad that US cards are signature preferring. You can refuse to sign and have them reprocess the transaction or, in the worst case, deface the receipt and take a photo for a dispute.