Dynamic Currency Conversion (DCC)
#136
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I mentioned it a little bit in the EMV thread but Baskin-Robbins may be one of the few places in the US that do DCC based on what I saw on the receipt last time I was there. I don't expect opting out to be difficult, however, since the terminal stays in control of the customer the entire time.
I kinda wish I still had a Revolut card so I could find out, in any case.
I kinda wish I still had a Revolut card so I could find out, in any case.
#137
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I mentioned it a little bit in the EMV thread but Baskin-Robbins may be one of the few places in the US that do DCC based on what I saw on the receipt last time I was there. I don't expect opting out to be difficult, however, since the terminal stays in control of the customer the entire time.
I kinda wish I still had a Revolut card so I could find out, in any case.
I kinda wish I still had a Revolut card so I could find out, in any case.
Some other instances were at Red Lobster and Olive Garden as well as JC Penney, but I've never used a non-USD card at any of those. Macy's and Nordstrom were also DCC free.
I never had Revolut, so I don't know how it functioned. Would a terminal think the card is denominated in whatever currency was supported? I thought cards have a default currency? Such a card would be useful with places like Global Blue or AirBnB that do multicurrency conversion.
Are Baskin-Robbins terminals all identical? I thought there was wide variance among locations. If they're identical, we could use Mrs. Majuki's one non-USD Visa if it still works (and probably get a call from the bank and in-laws in the process).
#138
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I never had Revolut, so I don't know how it functioned. Would a terminal think the card is denominated in whatever currency was supported? I thought cards have a default currency? Such a card would be useful with places like Global Blue or AirBnB that do multicurrency conversion.
Are Baskin-Robbins terminals all identical? I thought there was wide variance among locations. If they're identical, we could use Mrs. Majuki's one non-USD Visa if it still works (and probably get a call from the bank and in-laws in the process).
Are Baskin-Robbins terminals all identical? I thought there was wide variance among locations. If they're identical, we could use Mrs. Majuki's one non-USD Visa if it still works (and probably get a call from the bank and in-laws in the process).
As for Baskin-Robbins, they seem to mostly use the same MX915s that Dunkin Donuts use. The combination BR/DD stores may be an exception, however. EMV needs to be enabled on the terminal too in order for DCC to be a possibility; there are some here that are but I don't know about elsewhere.
#140
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#141
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#142
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I was referring to all three: Discover, JCB, and UnionPay. None of these three supports DCC. Only Visa and MC support DCC.
I went into detail about UnionPay because they do have a spread on their exchange rates that's a little higher than Visa/MC. The limitations on using one of these cards are the acceptance as well as few card products available/limited rewards compared to Visa or MC products.
The ICBC UnionPay is a viable alternative in places like Hong Kong, Macau, and Mainland China, especially in unavoidable DCC cases for 1x merchants.
I went into detail about UnionPay because they do have a spread on their exchange rates that's a little higher than Visa/MC. The limitations on using one of these cards are the acceptance as well as few card products available/limited rewards compared to Visa or MC products.
The ICBC UnionPay is a viable alternative in places like Hong Kong, Macau, and Mainland China, especially in unavoidable DCC cases for 1x merchants.
#143
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#144
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More of the blame should be on the acquirers and merchants. Acquirers have the locked down terminals and sell the service to merchants. Merchants don't train employees how to opt out customers and are on the take of the profits. The payment networks could actually be on the losing end of the DCC deal because they don't get any cut of the currency spread.
#145
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Not at all. I think payment networks don't do more to stamp out errant acquirers because they want to maximise acceptance. Cardholders be damned.
#146
Join Date: Nov 2012
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They also want to avoid lawsuits. The Australian government has sued and WON to prevent the networks from banning or interfering with DCC.
#147
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(Edited 14/6 20:20) Woah https://www.accc.gov.au/media-releas...ng-accc-action .
Most boneheaded thing I've seen ACCC do. Otherwise I wish there's an ACCC in HK.
Most boneheaded thing I've seen ACCC do. Otherwise I wish there's an ACCC in HK.
Last edited by percysmith; Jun 14, 2017 at 8:21 am
#148
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#149
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Merchants should be required to OPT IN, not opt out, of DCC, if DCC is allowed.
#150
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