THANK YOU all. Due to character limits I entered "Merchant refused option to process local currency. Involuntary charged in USD. I want to pursue a Reason Code 12.3 chargeback to be billed in local currency. Visa rate on 11/11 1950.00 MAD=178.52 USD". Next screen asked me to specify issue so I selected "charged more then expected" and entered the amount you kindly provided. Chase robot automatically credited me $9.42 USD, now let's see what happens.

Question, for the overcharge does the merchant get the extra funds in local currency or did he just scam hard currency dollars to boot? 3%-5% on every check must add up -- it was all foreign tourists ordering drinks. :-)