Dynamic Currency Conversion (DCC)
Dec 25, 2017, 2:57 pm
#361
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yes i was. When it pops up the clerks are usually clueless and a gentle nudge on the right direction helps.
Dec 25, 2017, 2:59 pm
#362
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HK also doesn't have the tipping culture that the US does. A few instances of servers getting stiffed due to the terminal prohibiting tip adjust (not saying that this is happening, but per MC rules it is possible) would probably either get restaurants to disable PIN entirely or simply stop accepting such cards. Of course, that becomes less viable the more of those cards that exist.
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.
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.
Dec 25, 2017, 3:26 pm
#363
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actually the spa i frequent has pin preferring terminals and the way it works is the same as it is for signature-chip us cards. I get the receipt write the tip in manually and they do a post adjust. The only difference is instead of asking for a signature it says no sig required pin verified. Isnt it also against merchant requirements to authorize for the possible tip?
I believe the other networks do allow tip adjust with PIN transactions, however, though I could be wrong on that. That said, US issuers of PIN preferring cards could be allowing tip adjust in spite of the rules.
EDIT: Visa and AmEx seem to allow tip adjust for PIN transactions. Discover might not per this document, but I haven't been able to find their official rules to confirm. It might not matter either way, however, due to there being no third party Discover issuers that I know of (and their self-issued cards being signature-only).
Last edited by tmiw; Dec 25, 2017 at 4:24 pm
Dec 25, 2017, 5:02 pm
#364
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Yes, I imagine it is not common to see a non-USD denominated card at such a location. Even at the major retailers in big cities, cashiers aren't familiar when the prompt comes up.
Dec 25, 2017, 6:22 pm
#365
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Actually it is USD and EUR denominated. i.e. if i spend 12.15USD for lunch and Mom’s Cafe, at the end of the month i have to pay 12.15USD in the billing country.
Dec 29, 2017, 2:44 am
#366
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I checked out of the Novotel Taipei Taoyuan International Airport and was presented with DCC, as expected. The rate is now at 4.36% over Visa's, and I was offered a charge of $384.04 on a bill of NT$11,000. The posted transaction was $367.22, so $16.82 saved.
Dec 31, 2017, 8:19 pm
#367
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PUTIEN 莆田 at Lee Theatre Plaza. using a Diners Club (MasterCard). Waitress took the card, came back with a printed slip with the total in CAD. I asked why it is in CAD and she gave some BS explanation trying to get me to sign.
That's why I use AMEX as much as possible. Never had DCC issue. Most places I shop and eat at take it, if they take credit cards at all. But in general, yes, AMEX is less accepted.
That's why I use AMEX as much as possible. Never had DCC issue. Most places I shop and eat at take it, if they take credit cards at all. But in general, yes, AMEX is less accepted.
Jan 1, 2018, 8:55 pm
#369
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品川製麺所 新宿二丁目店 Shinagawa Seimenjo (Shinjuku_2_Chome branch) Tokyo
DCC was offered on the terminal, using Diners Club (MasterCard), with English instructions. But the button to decline DCC leads to cancellation of the transaction. Given my lack of Japanese, bill had to be settled in cash.
DCC was offered on the terminal, using Diners Club (MasterCard), with English instructions. But the button to decline DCC leads to cancellation of the transaction. Given my lack of Japanese, bill had to be settled in cash.
Jan 2, 2018, 12:44 am
#370
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品川製麺所 新宿二丁目店 Shinagawa Seimenjo (Shinjuku_2_Chome branch) Tokyo
DCC was offered on the terminal, using Diners Club (MasterCard), with English instructions. But the button to decline DCC leads to cancellation of the transaction. Given my lack of Japanese, bill had to be settled in cash.
DCC was offered on the terminal, using Diners Club (MasterCard), with English instructions. But the button to decline DCC leads to cancellation of the transaction. Given my lack of Japanese, bill had to be settled in cash.
Mar 28, 2018, 1:28 pm
#371
Join Date: Feb 2014
Posts: 349
Using Android pay and got hit with DCC at a major chain (Sphinx) in Poland. Why is it only restaurants that do this shady stuff? Never got DCC at a grocery store it anything
Anyway - receipt says "I was offered choice of currencies blah blah" with a ...... exchange 2 cente over plus 3%.
Will dispute with BOA this time. These people need too be reported, this is getting annoying
Anyway - receipt says "I was offered choice of currencies blah blah" with a ...... exchange 2 cente over plus 3%.
Will dispute with BOA this time. These people need too be reported, this is getting annoying
Mar 28, 2018, 1:52 pm
#372
Join Date: Feb 2014
Posts: 349
I might of found a workaround for the DCC . Android Pay. Been using it the past few weeks in Poland with my Chase USA visa and it never asked once if I want to pay in USD instead of PLN. Defaults straight to PLN and these are the same terminals that I was having issues with before.
Mar 28, 2018, 1:57 pm
#373
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Mar 29, 2018, 10:24 am
#374
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I know of one case where there was DCC at a grocery store in India, but there are no rules when it comes to where you'll find DCC. That being said, I've generally found DCC to be nonexistent at large chain supermarkets. DCC for the locations where it is prevalent typically shows up at hotels, airport duty free shops, and some restaurants. However, I've seen two similar restaurants where one has DCC and the other does not. I also think part of the prevalence of DCC has to do with the likelihood of seeing a card with a different currency denomination.
For instance, I haven't done extensive testing in the US, but I'm genuinely curious which big box retailers have DCC. Most of my data points are from 3 years ago. While I did find two cases of DCC at retail clothing stores, both terminals presented a choice, and opting out was easy. Furthermore, from the cashier pausing, it didn't seem like the cashier had input or even necessarily awareness that DCC was happening. I have a Canadian friend who hasn't seen DCC with his card across hotels (Starwood) and restaurants, and he travels to the US fairly regularly.
Mrs. Majuki has a single non-USD denominated card, but she's not too inclined to use it since the card has no rewards and has a currency exchange fee.
Mar 29, 2018, 11:53 am
#375
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For instance, I haven't done extensive testing in the US, but I'm genuinely curious which big box retailers have DCC. Most of my data points are from 3 years ago. While I did find two cases of DCC at retail clothing stores, both terminals presented a choice, and opting out was easy. Furthermore, from the cashier pausing, it didn't seem like the cashier had input or even necessarily awareness that DCC was happening. I have a Canadian friend who hasn't seen DCC with his card across hotels (Starwood) and restaurants, and he travels to the US fairly regularly.
Mrs. Majuki has a single non-USD denominated card, but she's not too inclined to use it since the card has no rewards and has a currency exchange fee.
Mrs. Majuki has a single non-USD denominated card, but she's not too inclined to use it since the card has no rewards and has a currency exchange fee.
As for restaurants, I doubt they'll ever do DCC thanks to our dislike of pay at the table making performing it per Visa/MC rules impossible (or at least with enough hassle to make it not worthwhile).