I just got DCC'd involuntarily at an Indian ATM. No prompts or anything, the final amount is about 2.5% higher than the official XE on Visa's site. I travel a lot and always verify the amount on Visa's site and virtually always it is exactly spot on to the cent. This time however, it is way higher. I have the ATM receipt that has nothing on it except the exact amount in local currency withdrawn. I am going to dispute it with my bank.