Restaurant in Paris showed a charge of 148 euros on machine. I tapped with my phone. Charge came through in dollars, about a 4% surcharge with no prior warning. Restaurant said it couldn't do anything. Can I get any satisfaction from Chase, the issuer ("I was charged more than expected")?

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Chase is pretty good about it. Complain that you were not given an option to pay in the local currency and that you were assessed a conversion fee from Euros to Dollars.

I followed the advice in this thread and submitted to Chase with issue, what conversion should have been vs what it was, difference in USD I was ripped off, and within a day or two had a credit, no questions asked.

How did you determine what the conversion should have been (the Visa exchange rate calculator https://www.visa.co.uk/support/consu...alculator.html requires specifying a bank markup)? Is there anything else I should be writing? The closest Chase menu option for the problem seems to be "I was charged more than expected" if I'm reading correctly.

The bank markup is 0%, assuming you used a card without foreign transaction fees. You can determine based on the transaction date what the charge should have been.

I either used an online tool or another Visa transaction from the same day that did not have DCC to determine a rate. In my message said I specifically declined conversion, was forced, rate should have been X resulting in $xxx USD, but they used rate Y resulting in $yyy USD charge, and requested the difference back. It was small, but I hope it resulted in a chargeback to the merchant. There is no bank markup on my Visa card. I didn't use a form, used secure messaging at chase.com

Why did you do message instead of credit card form?

I didn't see a form for DCC issues. I just used Chase secure messaging about the card in question. At the time that was also the rec in a FT thread. Assuming I didn't miss it, maybe they've had enough of these complaints to create a form? I've found the secure messaging is pretty quick results with Chase. Now that I am thinking about it, I may have disputed the transaction and sent a secure message. But I never saw a form to fill out

Sounds as if the way to go is disputing and if there isn't a space to explain sending a secure message. The best dispute choice appears to be "I was charged more than expected".

If you or others have a better idea, please let me know.

I found my post in this thread https://www.flyertalk.com/forum/34796149-post949.html
I chose the charged more than expected. After submitting I also send a secure email explaining the issue and math and referencing my dispute. They did reply to confirm the credit would stick.

You used reason code 12.3. Looking that up finds https://www.chargebackgurus.com/char...essing-errors#

Your language looks good, especially since it worked

I can't take credit for 12.3, the FT collective told me what to do. :-) Because it is a dispute on a consumer card, they should credit you back immediately, then investigate if they want to (which is why I sent the secure message as well). I got the credit and never heard from anyone beyond the secure message rep saying something like the issue had been resolved or closed, something like that. Please post the language and steps you use so we have a recent template to follow.

I disputed, including uploading the receipt (not the credit card receipt - paid with Google wallet so didn't get a print). Secure message text: "Regarding [name] dispute: Merchant did not advise it was charging in dollars instead of local currency. The conversion was done without my knowledge or consent. I want to pursue a Reason Code 12.3 chargeback to be billed in local currency. Bill was xxx euros. Visa rate on 1/15/2025 was $yyy. Any additional charge was not authorized by me." I then got an email listing the disputed amount (they did the math).

BTW, the increase was 5.87%. Perhaps they added some amount in addition to the DCC surcharge?

Chase replied to our secure message with a description of how to dispute a charge, which is not helpful since we already disputed the charge and so indicated in the original secure message. I replied that there wasn't space to add text and wanted the message to be part of the dispute file.

I just withdrew PhP 10,000 from my Navy Federal Credit Union (NFCU) checking account, using an NFCU debit card in a Euronet ATM in "downtown" Lazi, Siquijor, Republic of the Philippines.

Thanks to this thread, I declined DCC. :tu:

Looking at a receipt left by the previous customer 30 minutes earlier, he or she wasn't as fortunate. :eek:

However, the exchange rate was only PhP 56.50/$, compared to the xe.com rate of PhP 58.51/$. :(

Chase replied to this by suggesting I call customer service. This is starting to be annoying. I suppose I'll just sit tight and see what happens.

If the dispute already resulted in you getting a credit, I'd sit tight. If they later deny or take back the credit maybe escalate?

That's the plan.

It's just that the secure message responses are a bit annoying.

Recent DCC datapoints at ATMs:

Singapore: 3.85% HSBC, 3.99% UOB, none at OCBC or Citi.

Obtaining EUR while transiting FRA, 18% TravelEx

Revolut recently replaced my US-issued debit card with a UK-issued one. Not sure why, but that now opens up the opportunity for me to test out some domestic DCC. Anyone interested in any particular stores or POS systems (i.e. if a smaller business somehow enabled DCC by virtue of adopting Clover or Toast or something)? No guarantees but if I can justify purchasing something small (or if it's a purchase I'm already going to make anyway for other reasons), I can try tapping or inserting the Revolut card instead.

From a cursory search, it appears that Toast doesn't support DCC but Clover can if the merchant enables the feature. I'd be curious to see how many small merchants have chosen to enable this given the fact that the overwhelmingly dominant card currency would be USD.

Tried at one Clover merchant so far and got no DCC prompts. I'll keep an eye out and see if there are any, but I suspect it might not be common as you mentioned.

Took the family skiing in Austria (Zillertal) last weekend and my US CSR triggered DCC at every POS (hotel, ski pass, rental, eateries, etc) . 'press 1 for USD, 2 for EUR' pressing the green button defaults to USD. Super annoying, especially when paying by tapping my android phone.

oliver2002 same, though my time was more in Czechia and Hungary than Austria in Nov 2024.
Even with Apple Pay
But it wasn't hard nor confusing to opt out of. Service staff pretty much knew non-CZK/HUF charging was not to my benefit (nor theirs).

I saw a number of these PNC Bank branded ATMs at SAN that had stickers that said "Dynamic Currency Conversion". The sign below the screen said that there was a $3.99 surcharge. I don't know if it's possible to get to the DCC prompts prior to the surcharge, however.

https://cimg0.ibsrv.net/gimg/www.fly...deeb0c820f.jpg

I should be able to check next time I'm flying out of there (mid-May). :tu:

Got DCC'ed at a restaurant in Romania last week. Paid contactless, the waiter never showed me the POS. I noticed when I looked at the notification from my CC app that the amount looks high, this was a few hours later and could not go back to the restaurant. Card is the German TF Bank MasterCard Gold. Their customer service says "don't care, dispute with restaurant".

Chargeback the full amount then?

If TF refuse, any BaFin escalation?

I have sent my chargeback request, will see what they say. If they refuse I will close all my cards with them.
And yes possibly BaFin depending on the hassle

Don't close (quit), get even (force them to respond to BaFin no matter the hassle).

I was writing complaints to HKMA (BaFin for HK) on Chinese New Year eve (time to send the complaint at 8:00am on the first working day after CNY).

One friend asked me if I'm concerned they'd close my account as payback. I said good, one more header of complaint to stop them from closing my complaint.

(Another friend said a HKMA complaint was the only way to get my complaint out of the copy and paste brigade at that bank)

They have replied to the chargeback saying I should request a chargeback with the merchant. I replied citing Mastercard Chargeback rules and give them 2 weeks to do it before I complain to BaFin. So let's wait 2 weeks and then I will complaint.
I am annoyed as this is the first chargeback or even customer service I request of TF Bank and it seems they are not worth their reputation (it is often cited as the best CC in Germany). I am also annoyed with myself because I know about DCC. But I did not encounter it in the last few years (a few ATMs here and there but not any restaurants or shops even when paying contactless) so I had my guard down.

I like receiving the hopeless replies in writing like chargeback should be raised by cardholder to the merchant. My regulator allows me to attach previous communications with the bank so I can document all their stupidity and angle for a regulatory compliance complaint as well as customer service complaint.

We run on 30 day cycles though (I raise complaint to customer service, customer service responds, I escalate to bank contact person, contact person responds, I send the complaint to HKMA). Those 30 days are mandated cooling off periods. But sometimes the bank is stupid enough to reply early.

Was it a restaurant likely to get many tourists?

I suppose a lesson I recently learned is always look at the POS, especially if it's a restaurant that asks likely tourists for a tip (despite a service charge) but doesn't ask locals, although this can get awkward.

Don't be too hard on yourself, this is how they get us, right? Relaxed, guard down, having a nice time on vacation, a cocktail, for most of us used to being in home country where it isn't an issue, in the case of Americans totally normal to hand card over and not touch the device, trying to get back to the hotel to sleep... here's my card. These restaurants know what they are doing and how to do it. :-)

(Japan)

Still 4%, essentially the same as the previous screenshot other than the exchange rate, at the 7-Eleven ATM near the monorail entrance last night at HND T3.

There was a line behind me, so I didn't grab a photo :p but a travel stop restroom outside of Bern took credit cards, offering 1.00 CHD or 1.27 USD (vs XE rate 1.20, so ~6% DCC :) )

This wasn't really DCC or MCC, but I was on a Virgin Atlantic flight Monday night, and the Wi-Fi gave the option to pay in GBP or USD prior to submitting payment details. I did a quick check of the exchange rates, and it was cheaper to pay in USD.

I saw something similar to the above on a website for a shuttle bus service at MAN. The option was present to choose GBP to USD, although, in this case, I was using a VPN back to a stateside IP. It was £3.60 or $5.01, so I chose GBP prior to entering the payment details.

9.99% DCC "offered" at an ATMx branded ATM, SYD T2.

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.