Dynamic Currency Conversion (DCC)
#346
Join Date: Apr 2014
Location: USA
Posts: 238
Got hit with DCC in Shanghai airport. I disputed the charge with Chase and they gave me a full credit while they investigate. This is the first time they have investigated, normally they will call and credit the difference.
Sounds like they have 2 billing cycles to respond to this, if not the credit is permanent.
Sounds like they have 2 billing cycles to respond to this, if not the credit is permanent.
#347
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,068
Got hit with DCC in Shanghai airport. I disputed the charge with Chase and they gave me a full credit while they investigate. This is the first time they have investigated, normally they will call and credit the difference.
Sounds like they have 2 billing cycles to respond to this, if not the credit is permanent.
Sounds like they have 2 billing cycles to respond to this, if not the credit is permanent.
#348
Moderator: Lufthansa Miles & More, India based airlines, India, External Miles & Points Resources
Join Date: Dec 2002
Location: MUC
Programs: LH SEN
Posts: 48,198
See my post #325 above re PVG DCC. CSR credited me the amount I asked for twice and sent me a letter confirming the credit immediately afterwards. Curious to see what they do in your case when you have disputed the entire amount.
#349
Join Date: Jan 2017
Location: GEG/DEN/ATL
Programs: UA 1K, TK E+, AS MVPG, SPG&Marriott Plat, HHD, Hertz PC
Posts: 407
This has recently started happening in the US too. It seems some retailers like J. Crew or Express have updated their Verifone terminals and it pops up a message asking if you want to pay in USD or local currency.
#350
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,068
I have yet to see a standalone terminal offer DCC in the US. I'm not saying it doesn't exist in these cases, but the only examples I have seen so far have been chain retailers. There were some data points that Olive Garden and a few other chain restaurants had DCC previously, but I believe this is no longer the case. In case of restaurants, I would say that a customer service oriented culture and desire for a tip would make DCC an unlikely outcome.
#351
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Forever 21 and Kate Spade have it too, but it's easily avoidable as the terminals are in full view of the customer. In fact, the cashier seemed confused when my sister-in-law commented that she wanted to pay in USD. It was almost an expression indicating, "What other currency would you use to pay?" This was in San Francisco, so one would assume the terminals had seen a number of non-USD denominated cards.
I have yet to see a standalone terminal offer DCC in the US. I'm not saying it doesn't exist in these cases, but the only examples I have seen so far have been chain retailers. There were some data points that Olive Garden and a few other chain restaurants had DCC previously, but I believe this is no longer the case. In case of restaurants, I would say that a customer service oriented culture and desire for a tip would make DCC an unlikely outcome.
I have yet to see a standalone terminal offer DCC in the US. I'm not saying it doesn't exist in these cases, but the only examples I have seen so far have been chain retailers. There were some data points that Olive Garden and a few other chain restaurants had DCC previously, but I believe this is no longer the case. In case of restaurants, I would say that a customer service oriented culture and desire for a tip would make DCC an unlikely outcome.
#352
Join Date: Jan 2010
Location: SFO
Programs: *G^2, Bonvoyed, NEXUS
Posts: 3,516
They can simply print the choice on the receipt for the customer to tick off. That’s what I encountered in HK
#353
Join Date: Jan 2017
Location: GEG/DEN/ATL
Programs: UA 1K, TK E+, AS MVPG, SPG&Marriott Plat, HHD, Hertz PC
Posts: 407
A couple standalone terminals at my local drycleaners have it. After they’ve had issues with my pin (i live in the US but most my cards are from Europe) and DCC they spoke with their bank and had both cancelled. Never had the issue in any restaurants before.
#354
Join Date: Nov 2012
Posts: 3,537
Great they got DCC disabled, not so great they got PIN disabled...
#355
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
#356
Join Date: Nov 2012
Posts: 3,537
Why? It puts the retailer at unnecessary risk of a fraud chargeback. If I had a shop in the US, and I was paying for a full-featured card terminal and the rates involved, I'd be livid if the processor disabled PIN and I'd tell them where to stick it.
#357
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,068
Were you able to opt out successfully? My data points in the US are limited because we only have one non-USD card at home. We never use it since there is a currency exchange fee, and the card doesn't accumulate rewards.
#358
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
Of course, ideally everyone would have customer-facing stuff, but barring a significant increase in contactless payment that ship's probably sailed.
#359
Join Date: Nov 2012
Posts: 3,537
Lost/stolen card fraud is already one of the smallest categories (at least for now) and the extra liability shift only applies if the card is PIN-preferring, so I'd say there's very little additional liability risk for most merchants. Anything that would make using the chip more often is still better than, say, forcing fallback, manually entering the card information or even simply declining to run the card entirely.
Of course, ideally everyone would have customer-facing stuff, but barring a significant increase in contactless payment that ship's probably sailed.
Of course, ideally everyone would have customer-facing stuff, but barring a significant increase in contactless payment that ship's probably sailed.
#360
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,508
The whole 'refusing to run a PIN preferring card' thing would settle down after a bit anyway, just as there were isolated reports of shops that were chip-enabled early on refusing chip cards. Other chip and signature countries like Hong Kong don't refuse PIN cards. They sigh, but they don't refuse them. Possibly drag you up to enter your PIN (happened to me once), but they accept them.
Alternatively I suppose they could just rerun the transaction and let customers enter the tip on the terminal but I haven't really seen that happening unless it's something already customer-facing.