I'm afraid so. Not only that, but they've also trained their front line staff to advise both merchants and consumers that 3.6% is a fee that they charge foreign cards in order to offset higher transaction costs (i.e. they have framed DCC like FTF).

If we have some Visa/MC inner circle guys here, this is a good one to hunt.

Other POS just have DCC that is hard to avoid, thus complying with the rules. This one is a pure violation.

Also, just went to Costa Coffee in 中关村. I've know 交行 machines don't do DCC with chip cards, but this 交行 machine with a separate wired pad and a immobile card reader base, shows "DCC Services? Y/N" once the card is inserted.

I didn't have the time to react and the cashier hit something on the base and the prompt disappeared. Interestingly, she denied DCC for me.

Probably a lot of foreign guys hanging out in 中关村 and these cashiers there know the stuff (and choose to be good ones ;))

Just noticed Amazon's technically non-compliant too.

I'm buying my brother's birthday present, which is a very boring gift card.

I have a HK-issued USD card saved with Amazon, but this year Amazon asked me what currency's the card is denominated in. Suspecting this was DCC-related I selected HKD.

Amazon defaulted to show the payment in HKD, at HK$8.05. Since we have a peg in place the real rate is readily ascertainable (7.76 for wholesale and 7.91 for credit cards after foreign currency conversion fee has been factored in), so the Amazon rate is over 3.7% the wholesale rate and 1.8% over the credit card rate.

It does provide clear disclosure HKD will be charged, however the technical non-compliance I argue happened is that the default selection is HKD instead of being USD or unselected. Someone in a hurry will click through the HKD payment.

To me, if it is grammatically clearly beatable, even if you have to be vigilant, it is OK :)

Amazon's had this program for a long time:
http://www.amazon.com/Currency-Conve...node=388305011

You should be able to select either the currency of the Amazon store (Amazon.com == USD) or "your" currency at Amazon's markup on the checkout page.

We made two purchases at Chung Yo (中友) Department Store this evening in Taichung:

http://i.imgur.com/BX9y1Fim.jpg

The earlier purchase didn't have the DCC verbiage, but the second one did. Both of these are Global Payments receipts. My spouse was the one to sign for both of these, and I clearly saw NTD on the signature slip as well for both receipts. (I didn't see any check boxes). And while I don't know more than some basic Mandarin phrases, my spouse requested to be billed in 台幣, and the cashier was aware of DCC and our preference for local currency. Of course, I got a little antsy when I logged into Chase:

NTD 3,462 (Pending charge: $114.59, Current FX rate: $114.50, 0.08% difference)
NTD 4,852 (Pending charge: $168.30, Current FX rate: $160.48, 4.87% difference)

I'm hoping we didn't get hit with DCC on the second purchase, and the NTD on the receipt leads me to believe that our request was honored. Furthermore, zyxlsy explained in post #1021 that the hold amount is usually the DCC amount. Furthermore, the transaction type says, "SALE OPT_O". Comparing this with my Novotel transaction, it also said "SALE OPT_O". I can only assume that OPT_O stands for opt out of DCC. Other than that, the DCC receipt says (Amount) whereas the earlier receipt says (Total). Perhaps I'm reading too deeply into that one though.

The reason why I even have a minute amount of anticipation is because the format of this receipt is a little bit different than any other DCC receipt I've received in Taiwan. In the case of being offered DCC, I've always received the quote slip with the check boxes and then a final receipt with the [X] next to the NTD amount. I'm hoping some of the resident experts on here could give me some assurance so I won't be anticipating the next 2-3 days while waiting for the transaction to post.

Majuki I believe you are fine. See my Hyatt DCC slip - verbage on customer copy even after I have successfully opted out and a X printed by terminal against TWD.

That's what I was looking for though but didn't see it. All over DCC experiences in Taiwan have been with the X printed by terminal next to NTD. Now, this receipt lists NTD, does not list USD, and makes no mention of an exchange rate. However, the fact that one receipt is free of DCC verbiage and the other has it worries me. How was one cashier able to disable DCC completely but another simply declined it (giving this instance the benefit of the doubt for the moment) after it was offered?

The verbiage you mentioned has printed on other receipts of mine before too, but there was a clear X next to NTD. I'll be waiting, but there won't be opportunities for me to get hit with DCC for another week since we're heading to Guam with the in-laws. While I'll watch out on their behalf while we're there, the US doesn't have too many occurrences of DCC. The only complaint I've seen on FT has been Avis, but I'll be paying for the usual suspects of hotel, rental car, etc.

Well, DCC verbiage even for non-DCC slips??? That'll bring a heart attack...

DCC at Greyhound Cafe
 

Was DCC'd in at Grayhound Cafe in TKS. This is the second time I have been DCC'd at Grayhound. The first time was at their IFC shop.

4.2% hit.

US issued Visa with no FTF. DCC verbiage and Ticked on HKD box.

I don't know how to upload a copy of my receipt. Looks like I need to upload it to a picture hosting site and then linking it here. I don't have such service.

You can use imgur for free. They'll even have a message board link that you can use to paste the image directly.

Did you get a final receipt that shows HKD? Some of the resident China experts can chime in, but I think that once you seen the tick boxes with the DCC verbiage on a receipt in HK, Macau, or Mainland China you've already been screwed.

As I said in the post above, I think once the DCC verbiage prints in places like China, it's too late. The way it works in Taiwan, Thailand, and a few other places is that you'll get a quote slip with the DCC verbiage and tick next to the local currency (DCC opt-out) or card's issued currency (DCC opt-in). The cashier will then print out a final receipt showing the [X] on your selected choice. The DCC verbiage still prints on this final receipt, but at least you have some proof of your choice being respected.

In the case where you check the box but don't get a followup receipt showing the [X] on the final customer copy you really have no way of knowing whether the cashier input your currency choice properly. From the stories on this thread and others on the topic, almost universally this kind of system results in DCC.

At least for china that's right. A slip with DCC successfully opted out should contain no verbage.

Those cases can go either way. In those case you have to ask the cashier whether s/he could make any further input, *or not*. If the cashier doesn't positively affirm an input has been made, presume DCC has occurred and try to either void and redo it or prepare for chargeback. See Maldives case in the wiki.

No final receipt as it is one if those carbon ones. Let see ify images works.

http://i.imgur.com/uw7Jtsxm.jpg

Yep, it worked. Thank you for the receipt.

A carbon copy receipt works heavily in your favor since the merchant would have the original clearly denoting your preference for HKD. It's a rock solid case for a Reason Code 76 chargeback. The conversion rate of 623 HKD is $80.38 according to Visa. It is indeed a markup of 4.2% above this rate at $83.76, meaning you were overcharged by $3.38 if the merchant hits you with DCC. I'd file a dispute, but it's unclear how your US issuer will proceed. For $3.38 they might issue a courtesy credit rather than going through with a chargeback, which is what we want.