Mastercard in theory doesn't allow tip adjust (writing the tip down on the receipt after authorization) for anything other than card not present and chip/swipe and signature (source):

https://cimg3.ibsrv.net/gimg/www.fly...229e28c8b6.png

I believe the other networks do allow tip adjust with PIN transactions, however, though I could be wrong on that. That said, US issuers of PIN preferring cards could be allowing tip adjust in spite of the rules.

EDIT: Visa and AmEx seem to allow tip adjust for PIN transactions. Discover might not per this document, but I haven't been able to find their official rules to confirm. It might not matter either way, however, due to there being no third party Discover issuers that I know of (and their self-issued cards being signature-only).

Yes, I imagine it is not common to see a non-USD denominated card at such a location. Even at the major retailers in big cities, cashiers aren't familiar when the prompt comes up.

Actually it is USD and EUR denominated. i.e. if i spend 12.15USD for lunch and Mom’s Cafe, at the end of the month i have to pay 12.15USD in the billing country.

I checked out of the Novotel Taipei Taoyuan International Airport and was presented with DCC, as expected. The rate is now at 4.36% over Visa's, and I was offered a charge of $384.04 on a bill of NT$11,000. The posted transaction was $367.22, so $16.82 saved.

It sounds like it was a thermal slip versus the Artone carbon copies?

品川製麺所 新宿二丁目店 Shinagawa Seimenjo (Shinjuku_2_Chome branch) Tokyo

DCC was offered on the terminal, using Diners Club (MasterCard), with English instructions. But the button to decline DCC leads to cancellation of the transaction. Given my lack of Japanese, bill had to be settled in cash.

Interesting. Mrs. Majuki and I finished a four day trip around Tokyo. I saw a couple of instances of DCC, but I was always presented with a quote slip. The cashier would make the selection, and I was able to opt out every time. It seems like you've encountered the mandatory DCC like percysmith did up in Sapporo.

Using Android pay and got hit with DCC at a major chain (Sphinx) in Poland. Why is it only restaurants that do this shady stuff? Never got DCC at a grocery store it anything

Anyway - receipt says "I was offered choice of currencies blah blah" with a ...... exchange 2 cente over plus 3%.

Will dispute with BOA this time. These people need too be reported, this is getting annoying

I can say they must have found a way around it . Just git forced DCC tonight

Yup. It seems that I also had DCC via Android Pay. So I resolved to physically holding the terminal and doing pin+sign. I can then myself X the DCC

Let us know B of A's DCC process. Chase seems to have streamlined it over the last few years.

I know of one case where there was DCC at a grocery store in India, but there are no rules when it comes to where you'll find DCC. That being said, I've generally found DCC to be nonexistent at large chain supermarkets. DCC for the locations where it is prevalent typically shows up at hotels, airport duty free shops, and some restaurants. However, I've seen two similar restaurants where one has DCC and the other does not. I also think part of the prevalence of DCC has to do with the likelihood of seeing a card with a different currency denomination.

For instance, I haven't done extensive testing in the US, but I'm genuinely curious which big box retailers have DCC. Most of my data points are from 3 years ago. While I did find two cases of DCC at retail clothing stores, both terminals presented a choice, and opting out was easy. Furthermore, from the cashier pausing, it didn't seem like the cashier had input or even necessarily awareness that DCC was happening. I have a Canadian friend who hasn't seen DCC with his card across hotels (Starwood) and restaurants, and he travels to the US fairly regularly.

Mrs. Majuki has a single non-USD denominated card, but she's not too inclined to use it since the card has no rewards and has a currency exchange fee.

Not "big box" per se but as mentioned before, I think Baskin-Robbins (and maybe Dunkin' Donuts too since they're the same company) does DCC based on the receipts I've seen.

As for restaurants, I doubt they'll ever do DCC thanks to our dislike of pay at the table making performing it per Visa/MC rules impossible (or at least with enough hassle to make it not worthwhile).

I remember your post on Baskin-Robbins. As for restaurants, who said anything about being compliant? I believe there were posts that Olive Garden, Red Lobster, and a few others did DCC in the past but no longer do. I don't think it would be a problem in the US, however, since the waitstaff would be motivated to correct any billing issues in order to receive a tip. Generally, I would say you're right that restaurants in the US are unlikely to have DCC.

The rules are probably better enforced here (though I'm not sure that's saying much, despite recent positive experience), hence them no longer doing it. Of course, they could also have stopped for other reasons.

I imagine it could be like PIN transactions bypassing the tip line. For instance, imagine someone signing in a 10.00 tip thinking it's USD and it turns out to be in MXN ($0.55).

Damn near fell for the DCC trap on Cathay Pacific's website today! Had never noticed it before, but today I spotted a little drop down menu that just asks you to choose your currency, and I almost fell for it.

Fortunately, I was paying by Amex. But the problem is that (like many of us) I jump around from different location-versions of the website looking for the best fare. I couldn't remember if I was on the Canadian site, the Hong Kong site, or some other country site, and it is very easy to fall into that drop-down menu trap.

At least CX do tell you plainly that you're about to get screwed if you choose DCC:

Such a benefit ...

Just returned from a trip to CN, JP and HK. Only saw DCC at hotels, but a stern 'I want to pa in CNY/JPY/HKD please' didn't start the spiel in the first place and the agents made the right selections on the POS. Nearly got hit by DCC at the HK Airport express.

Re big box retailers: in Germany grocery stores don't have DCC, but Galleria Kaufhof, a large department store chain will always offer to DCC you. The EUR option is easy to select though and not hidden.

Since you didn't stop in SIN, I can report (more likely confirm) that duty free very much had DCC, but in plain sight, and both times clerks were understanding, almost guiding me toward local currency. Hotels were paid mostly via hotels.com, so no DCC there. No DCC in Thai grocery chains where I shopped, and hotels were again prepaid.

I haven't encountered DCC on the Airport Express recently even though I know that it's present through Citibank. When I'm by myself I will use my Octopus card for convenience rather than wait to purchase tickets. When traveling with someone, I'll wait to get the group price on tickets. The last time I purchased tickets at Hong Kong station I proactively requested HKD, but the employee said, "I always choose HKD for the customers. The offered conversion rate is not favorable." This is at least one case of staff opting customers out of DCC in case they are unaware. ^ All other times when buying Airport Express tickets I have had to request HKD and confirm via the final receipt at the staff declined DCC.

I initially had asked for a group ticket for 4 and he misunderstood that I wanted to go to Kowloon not HK. The transaction slip printed out the usual 'X for your currency choice' DCC slip. When I told him I wanted HK and please not to do the currency choice the slip looked completely different.

I've only used my BOA cards but I've never once got a DCC now that I physically HOLD the terminal at the restaurant so some sleeze waiter cannot just hit "USD" and let that be that.

I'm beginning to think it may not be automatic but that these people hit the button. Warrant further investigation...

I've only used my BOA Plat TR

I haven't encountered any single instance of attempted DCC in my travel in multiple country / regions last and this year.

I have travelled to China, Turkey, Finland and Russia and used my cards, and none of them attempted to do DCC on me. Whenever I pay, I just inserted my card and the machine spit out the receipt in local currency immediately.

However, when I was in Istanbul airport, one of the restaurants offered "multiple currencies" (including TRY, USD, EUR and some more) on the checkout, but it was before I insert the card and applicable to cash as well, so it was not DCC but instead the merchant offering multiple currency payment, so I tell the cashier to use Turkish Lira and inserted my card.

It depends on the terminal. For some it's automatic.

Sounds like multi currency conversion..

Typically using Amex, Visa or Mastercard?

using Visa and UnionPay normally, Mastercard for contactless transaction

I was, for the first time, offered DCC in Japan -- several times during my last trip. However, a quote slip was always presented and the choice was entered on the terminal before the transaction concluded and the copy I signed showed the JPY price. There was also one instance where the quote slip was printed and the cashier chose JPY without even showing me the quote slip.

Yes, this was the case for me in December 2017. I had never previously seen DCC in Japan. Fortunately, my experiences matched yours and JPY was always a choice. However percysmith has had experiences where an opt out wasn't possible.

I encountered DCC at about 25% of my CC transactions during 2 weeks in Greece last month, always being asked for my choice.

Checking into the hotel in Ireland today for incidentals: touch Euros or Dollars. No pressure at all from staff, just a comment to pick one.

The good thing about Ireland (where this practice started) and the UK is it seems like DCC is largely discretionary, and there is no language barrier.

Since Telcel's website won't let me reload my SIM card with US credit cards or PayPal accounts, I've begun to look into online reload services. Recharge.com for example seems to force USD as well as charge a $0.99 service fee; a MX$510 reload costs US$30 before said service fee, or 17 pesos per dollar. (For reference, Google currently says that MX$510 = US$27.05, or 18.85 pesos per dollar.) A brief look at other services seems to indicate that this practice isn't uncommon.

Anyway, while I expect to pay some sort of fee for this service, it seems more fair to me to have the entire fee itemized out instead of trying to hide most of it in the exchange rate.

I'm currently in Mexico and I'm happy to report that I've yet to see DCC. Or at least no one I'm with has complained about it, anyway; I've only done two in-person transactions with my cards thus far and they seem to have all been done in pesos without any sort of prompting. I'll report back if I do find a place with it.

Ticket Window of Cable car at Santorini automatically DCCed the ticket purchase, never asked my choice. When I saw her looked at the screen then punch a small handheld on the desk I knew it was too late.

Do you think that if you had clearly said "Euro!" first it would've made a difference? From your description, it sounded as though she DCC'ed on purpose?

Particularly on larger transactions I specify I want to pay in the local currency (Euro) up front. I've had one too many restaurants try and tell me how good of a "deal" DCC is for me after auto enrolling me.

I looked at the prices of the cable car, and my personal best practice is to pay cash for smaller transactions unless I know the merchant to be free of DCC. I will admit that it's somewhat of a defeatist attitude, but it's easier than having to file a dispute when the issuer may not even take up the case. For me, the threshold is perhaps $10-15. Especially for small souvenirs (postcards, refrigerator magnets, etc.) in shops, I find it easier to transact in cash. My default card would typically be the Chase Sapphire Reserve since that's my only Ultimate Rewards earning card with a 0% FTF, so in many of those situations I'd only be seeing 1x.

For larger purchases, I typically am better able to monitor the payment. In the case of hotels, it's easy to avoid if you're staying at a Marriott/Starwood or Hilton, as both of those chains offer an AmEx affinity card. For other hotels, my best practice is to do a preauth on a 0% FTF AmEx and then avoid express checkouts. I'll go down to the desk and ask them to change the payment card and process in local currency if there is an option on the payment terminal. At least at hotels, I've never had an issue.