Thanks, everyone, this is very helpful. I will wait to take in the advice before filing my dispute. Since you asked,...

• the transaction was on 11/11,
• labeled "carte etrangere" (foreign card?)
• local amount: 1950,00 MAD
• 1 USD - 10.3755 MAD
• Mark-up inclus = 3.50%
• Transaction amount: 187,94 USD

I don't know how to tell the processor for sure, but at the top it says CMI (I can provide an image or numbers listed if that helps). Very interestingly, it says "I accept the above conditions" and the "yes" is marked, but I never clicked the green yes button or signed anything. The fine print here also says I accept that I have been given a preferred choice of currency and this choice is final. But I wasn't... It also says "DEBIT" at the bottom.

Again, what struck me is that when I argued about it they said they charge all customers in home currency as a benefit. I assume folks with chip and PIN might have an easier time catching things but mine was just tapped I believe and then I was handed a receipt showing the wrong currency without clicking a button. Thanks.