DCC: Dynamic Currency Conversion (2017-2025)
Jul 23, 2017 | 10:23 pm
#196
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,961
This happens occasionally in the US too. A familiar case is British Airways. They say they process the transaction out of Florida, and the transaction is in USD natively (no currency conversion is happening), but you'll see a foreign transaction fee if your card has one. 
Jul 23, 2017 | 11:22 pm
#197
Join Date: Jul 2001
Location: SW Michigan, ex SF Bay Area
Posts: 999
Yep. I've encountered this a few times when purchasing software licenses online if the company or its payment processor is located outside of the US (e.g. independent software developers that use Paddle to manage their payments). Now I make sure to use a card without foreign transaction fees in those cases.
Jul 24, 2017 | 12:07 pm
#198
Join Date: Jul 2017
Posts: 3
Raised a dispute with my issuer for Airbnb.
I should have been charged 787 for a rental which as Mastercard rates was 695.30. Was charged 713. This was despite opening a German account, going via a VPN in Germany. They are obviously detecting the BIN/IIN range and determining the issuing country and charging the home currency (DCC).
Let's see what my issuer says.
I should have been charged 787 for a rental which as Mastercard rates was 695.30. Was charged 713. This was despite opening a German account, going via a VPN in Germany. They are obviously detecting the BIN/IIN range and determining the issuing country and charging the home currency (DCC).
Let's see what my issuer says.
Jul 24, 2017 | 12:17 pm
#199
Join Date: Nov 2012
Posts: 3,537
Raised a dispute with my issuer for Airbnb.
I should have been charged 787 for a rental which as Mastercard rates was 695.30. Was charged 713. This was despite opening a German account, going via a VPN in Germany. They are obviously detecting the BIN/IIN range and determining the issuing country and charging the home currency (DCC).
Let's see what my issuer says.
I should have been charged 787 for a rental which as Mastercard rates was 695.30. Was charged 713. This was despite opening a German account, going via a VPN in Germany. They are obviously detecting the BIN/IIN range and determining the issuing country and charging the home currency (DCC).
Let's see what my issuer says.
.
Jul 24, 2017 | 1:00 pm
#200
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,961
Jul 24, 2017 | 7:26 pm
#202
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,112
Raised a dispute with my issuer for Airbnb.
I should have been charged 787 for a rental which as Mastercard rates was 695.30. Was charged 713. This was despite opening a German account, going via a VPN in Germany. They are obviously detecting the BIN/IIN range and determining the issuing country and charging the home currency (DCC).
Let's see what my issuer says.
I should have been charged 787 for a rental which as Mastercard rates was 695.30. Was charged 713. This was despite opening a German account, going via a VPN in Germany. They are obviously detecting the BIN/IIN range and determining the issuing country and charging the home currency (DCC).
Let's see what my issuer says.
(Disable PayPal's own DCC of course https://www.hongkongcard.com/forumSE/show/15295 #1)
Jul 26, 2017 | 1:16 pm
#205
Join Date: Jul 2017
Posts: 3
In hindsight, I should have put it on my Amex card and I would have got 2% cashback. This would have covered the charge.
Aug 1, 2017 | 1:55 am
#206
Moderator: Lufthansa Miles & More, India based airlines, India, External Miles & Points Resources
Join Date: Dec 2002
Location: MUC
Programs: LH SEN
Posts: 52,682
While looking at my pile of millions at DKB I noticed that they warn users of DCC:
https://www.dkb.de/info/kostenfalle-umrechnung/ ^
https://www.dkb.de/info/kostenfalle-umrechnung/ ^
Aug 6, 2017 | 6:56 pm
#207
Join Date: Oct 2015
Location: NYC
Programs: AA EP; UA 1K; and a bunch of hotel statuses
Posts: 138
Thank you for sharing, Majuki 
Aug 8, 2017 | 3:52 am
#208
Join Date: Sep 2015
Location: Shinjuku, Tokyo
Programs: ccor Plus Plat, Marriot Plat, AF Silver, KF Silver
Posts: 319
Think that'll work, Paypal seems to centralise a lot in Singapore (work has been looking into opening a merchant account with Paypal for reasons I do not wish to elaborate, and we've been given tax advise to *not* collect it via Singapore. We're going to meet with Paypal Hong Kong to see if that's possible).
Julien
Aug 8, 2017 | 4:09 am
#209
Ambassador, Hong Kong and Macau
Join Date: May 2009
Location: HKG
Programs: Non-top tier Asia Miles member
Posts: 22,112
1. Do you mean a cross-border fee/foreign transaction fee (1% tacked onto your SGD transaction processed outside of Singapore) (I think HSBC Singapore does this) or true DCC (a non-SGD transaction converted into SGD by Paypal)?
2. Where is the Paypal merchant located and what is the original currency of the item you're paying for?
Aug 9, 2017 | 8:28 am
#210
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: HHonors - Diamond; IHG - Diamond; Marriott Bonvoy - Platinum
Posts: 14,287
If this has been dealt with, sorry.
Last week in Iceland I was looking for which key to press to get the charge in ISK when the choice appeared on screen. Clerk had to explain that it was a matter of touching one or the other option directly, no button involved. Usually, we used NFC, but this one transaction seemed to go through as Samsung Pay via swipe slot (had to sign for a $5 coffee even with a PIN card).
On a more pleasant note, these days when I warn folks about DCC costing extra, they are often already aware of the need to choose local, not dollars. Folks may not grasp the details, but they get that in the long run they'll end up paying more that way.
Last week in Iceland I was looking for which key to press to get the charge in ISK when the choice appeared on screen. Clerk had to explain that it was a matter of touching one or the other option directly, no button involved. Usually, we used NFC, but this one transaction seemed to go through as Samsung Pay via swipe slot (had to sign for a $5 coffee even with a PIN card).
On a more pleasant note, these days when I warn folks about DCC costing extra, they are often already aware of the need to choose local, not dollars. Folks may not grasp the details, but they get that in the long run they'll end up paying more that way.