Originally Posted by Majuki (Post 35483500)

Beyond that, the predominance of USD denominated cards in the US makes it less lucrative for a small business to enable DCC on a standalone terminal. For instance, at a souvenir shop in NYC, what percentage of transactions will still be from USD cards versus a souvenir shop at a major cruise port city in Europe seeing cards denominated in local currency, especially for places not using the euro? You also mentioned not seeing DCC on Toast, Square, and equivalent terminals, which are ubiquitous in the US at small and independent merchants.

Finally, customer service attitudes, the indifference of many retail employees, customer facing terminals in retail settings, and self checkout options all favor the customer's ability to avoid DCC. When my sister-in-law saw DCC in a couple of retail environments with her AUD card, it appeared that the cashier didn't have any control over the currency selection. I say this because I asked her to wait for me to take a photo, and the cashier seemed to be waiting for input on the customer's part. One of the few cases where the customer wouldn't have access to the terminal would be in a restaurant, but customer service (and the prospect of a bad tip) would avoid DCC there. It's not like elsewhere in the world where from our own experiences staff seem to be trained to direct or force DCC upon customers. We've seen multiple posts here of people asking employees to opt out of DCC proactively, and the employees feigning surprise by replying, "Let's see what happens. Oh, it looks like it charged in your home currency. I can't do anything to fix it."

Originally Posted by CorSter (Post 35485851)

As a very frequent cross border traveler, my experiences with DCC in the US have almost exclusively been at large, national retail chains. The TJX chains immediately come to mind as my most recent experience but it happens at others as well. These are all situations where it's easy to decline as the option shows up on the customer facing digital signature pad.​

Originally Posted by Majuki (Post 35483500)

We've seen multiple posts here of people asking employees to opt out of DCC proactively, and the employees feigning surprise by replying, "Let's see what happens. Oh, it looks like it charged in your home currency. I can't do anything to fix it."

Originally Posted by abaheti (Post 35486723)

In the USA we still do a lot of "hand my card to a stranger' vs "bring swipe device to the customer" so in a restaurant it would be weird -- the serve coming back to you to ask your currency choice but then selecting it on your behalf.

Originally Posted by dmapr (Post 35486764)

Yep, been there, seen that. For a while I could battle that with a PIN-preferring credit card by replying "I won't enter my PIN until you find a way to fix it", but since proliferation of DCC post PIN entry I had to be doubly vigilant and just hold on to the terminal until the transaction was completed.

Originally Posted by abaheti (Post 35486723)

In the USA we still do a lot of "hand my card to a stranger' vs "bring swipe device to the customer" so in a restaurant it would be weird -- the serve coming back to you to ask your currency choice but then selecting it on your behalf.

Originally Posted by Majuki (Post 35486874)

For all of my frustrations at the general lack of availability of chip-and-PIN cards from US issuers - I was frantically trying to pay for gas at a Shell station in Norway last week where the pump kept rejecting my card! - being able to deface a signature slip and taking a photo of that is one option unavailable with a chip-and-PIN card. In the case of DCC post PIN entry, there may be limited recourse if DCC gets accepted.

Originally Posted by tmiw (Post 35486929)

On the other hand, if DCC post-PIN entry is that common, I could see issuers still accepting chargebacks for that since the PIN entry was for the pre-DCC amount, not the post-DCC one.

Originally Posted by IndyHoosier (Post 35488171)

I'll continue to use AMEX as my first choice overseas until Visa/MC put an end to this nonsense

Originally Posted by dmapr (Post 35489248)

The most annoying PIN entry setup I've seen was in Jordan (but at least they're very upfront about the currency — they basically ask you before they run whether you want to pay X in dinars or Y in $$) — when you're prompted for the PIN the amount is nowhere in sight. They basically tell you "we will charge this" and give you the terminal. I think that was at the border when I was paying for the entry visa, can't recall if I saw that anywhere else there.

Originally Posted by dmapr (Post 35489248)

The most annoying PIN entry setup I've seen was in Jordan (but at least they're very upfront about the currency — they basically ask you before they run whether you want to pay X in dinars or Y in $$) — when you're prompted for the PIN the amount is nowhere in sight. They basically tell you "we will charge this" and give you the terminal. I think that was at the border when I was paying for the entry visa, can't recall if I saw that anywhere else there.

Originally Posted by sethweinstein (Post 35521585)

When I went to Jordan, about six years ago, the officer taking my visa payment was adamant about charging me in dollars, hiding the terminal, and not letting me opt out of DCC. Chase refunded the entire charge.

Originally Posted by dmapr (Post 35523988)

Interesting, that's approximately the same time I went — I was there in May 2017. I was at the Eilat border crossing, were you at the same one?

Originally Posted by lsquare (Post 35545491)

I feel like an idiot for not asking for the terminal before handing over my credit card. I'm in Paris and I see no evidence that the incidental and room rate is being charged in USD. Obviously, I want to be charged in Euros to get the best possible rate. The receipt shows a pre-authorization of €266.63. I'm assuming no DCC? At check out, I'm guessing just the room rate will be dedicated from the pre-authorization and the rest will be refunded back to my card?

Originally Posted by 747FC (Post 35545550)

Don't worry about it now. Prior to checkout, ask for a preliminary folio.