Dynamic Currency Conversion (DCC)
Aug 12, 2019, 12:36 pm
#676
Join Date: Dec 2016
Programs: NEXUS/GE/JPNTTP/APEC/CREW
Posts: 33
Just had Dinner in Amsterdam and have been testing US N26 as a travel debit card. So far I enjoy the interface a lot.
This restaurant had the card reader behind a counter and the server processed the transaction, although I said EUR she still processed as DCC. Which I didn’t notice until I looked at my receipt.
Interestingly, and I waited for the charge to finalized, the transaction still processed in EUR which I was happy about.
This restaurant had the card reader behind a counter and the server processed the transaction, although I said EUR she still processed as DCC. Which I didn’t notice until I looked at my receipt.
Interestingly, and I waited for the charge to finalized, the transaction still processed in EUR which I was happy about.
Aug 12, 2019, 3:09 pm
#677
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,061
This restaurant had the card reader behind a counter and the server processed the transaction, although I said EUR she still processed as DCC. Which I didn’t notice until I looked at my receipt.
Interestingly, and I waited for the charge to finalized, the transaction still processed in EUR which I was happy about.
Interestingly, and I waited for the charge to finalized, the transaction still processed in EUR which I was happy about.
Aug 17, 2019, 3:11 pm
#678
Join Date: Feb 2014
Posts: 349
my time to shine boys
ordered pizza tonight and when the guy came to deliver the terminal did a forced dcc. the option (for currency) appears for half a second and then disappears and forces dcc.
my fiance complained but it's not the delivery guys fault. calling Boa tomorrow for forced dcc.
reason code 76 right?
there's too many sleazy places here that forces this that I need to charge back.
paid with Android pay.
ordered pizza tonight and when the guy came to deliver the terminal did a forced dcc. the option (for currency) appears for half a second and then disappears and forces dcc.
my fiance complained but it's not the delivery guys fault. calling Boa tomorrow for forced dcc.
reason code 76 right?
there's too many sleazy places here that forces this that I need to charge back.
paid with Android pay.
Last edited by aGeist; Aug 17, 2019 at 9:22 pm
Aug 17, 2019, 6:36 pm
#679
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,061
Aug 17, 2019, 9:19 pm
#680
Join Date: Feb 2014
Posts: 349
Aug 17, 2019, 9:54 pm
#681
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,061
Aug 17, 2019, 11:18 pm
#682
Join Date: Feb 2014
Posts: 349
It does happen sometimes the person using the terminal will hit USD as opposed to zloty but in this case, the screen appears for literally a split second before you can even hit the red button to zloty.
The chargeback amount will be a dollar but it's the principal. No company should be forcing a poor conversion like this and stating the user has the choice.
Looks like (based on the receipt), it's done by these guys:
https://www.eservice.pl/en/products-...onversion-dcc/
Here's a news article (in Polish) about forced Dcc from EService in Poland: https://subiektywnieofinansach.pl/zn...-dcc-terminal/
Videos of EService and their scam in action:
Absolute scum. I wonder how this can even be legal.
Last edited by aGeist; Aug 17, 2019 at 11:56 pm
Aug 22, 2019, 10:39 am
#683
Join Date: Mar 2015
Location: Las Vegas
Programs: United Platinum, IHG Spire Ambassador, Hilton Diamond
Posts: 284
DCC offered at Hong Kong ATM
Just a small data point:
I’ve personally never seen DCC offered at mainstream banks in Hong Kong before.
Today at a Bank of China ATM in Mongkok I was offered 7.5560 HKD per US dollar, rather than the true rate of 7.8408 per dollar, a 3.8% markup.
I used my Capital One 360 card so there were no foreign transaction or foreign ATM fees. I generally use my Schwab visa debit card, and it’s possible that DCC has always been offered on debit mastercards and this is just my first experience using one - not sure.
I’ve personally never seen DCC offered at mainstream banks in Hong Kong before.
Today at a Bank of China ATM in Mongkok I was offered 7.5560 HKD per US dollar, rather than the true rate of 7.8408 per dollar, a 3.8% markup.
I used my Capital One 360 card so there were no foreign transaction or foreign ATM fees. I generally use my Schwab visa debit card, and it’s possible that DCC has always been offered on debit mastercards and this is just my first experience using one - not sure.
Aug 22, 2019, 1:03 pm
#684
Join Date: Apr 2008
Location: MSP
Programs: Delta SkyMiles GM/United Mileage Plus/Hilton Honors
Posts: 166
Just got back from about 50 days in Europe this summer. In Ireland, ran into DCC at most tourist shops (Woolen Mills, etc) but always offered the clear choice to pick local currency. Same at the Royal Delft factory in the Netherlands for a large purchase as well as Fragonard in France. Only place I have experienced "sneaky" DCC was with Europcar in Scotland. Disputed that with the manager via email and got a credit without having to dispute it.
I used Apple Pay for most of my charges and the only CC problems I ran into was trying to pay a 50EUR parking fee in Brugge Belgium and buy gas in the Netherlands at automated stations that I could not because none of my cards (CSR, Cap1 GM Card) offered chip and pin.
I used Apple Pay for most of my charges and the only CC problems I ran into was trying to pay a 50EUR parking fee in Brugge Belgium and buy gas in the Netherlands at automated stations that I could not because none of my cards (CSR, Cap1 GM Card) offered chip and pin.
Aug 22, 2019, 1:11 pm
#685
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
Just got back from about 50 days in Europe this summer. In Ireland, ran into DCC at most tourist shops (Woolen Mills, etc) but always offered the clear choice to pick local currency. Same at the Royal Delft factory in the Netherlands for a large purchase as well as Fragonard in France. Only place I have experienced "sneaky" DCC was with Europcar in Scotland. Disputed that with the manager via email and got a credit without having to dispute it.
I used Apple Pay for most of my charges and the only CC problems I ran into was trying to pay a 50EUR parking fee in Brugge Belgium and buy gas in the Netherlands at automated stations that I could not because none of my cards (CSR, Cap1 GM Card) offered chip and pin.
I used Apple Pay for most of my charges and the only CC problems I ran into was trying to pay a 50EUR parking fee in Brugge Belgium and buy gas in the Netherlands at automated stations that I could not because none of my cards (CSR, Cap1 GM Card) offered chip and pin.
I don't recall DCC in Ireland two years ago using my phone almost exclusively.
Aug 22, 2019, 1:24 pm
#686
Join Date: Apr 2008
Location: MSP
Programs: Delta SkyMiles GM/United Mileage Plus/Hilton Honors
Posts: 166
It was an automated kiosk so it rejected both my cards as soon as I put them in. Interestingly my friends Amex Delta Platinum worked.
Aug 22, 2019, 10:04 pm
#688
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
I just never ran across Irish DCC, nor I believe did my companion, was my point. She did, however, have to produce ID for one shop in Cork before being allowed to sign the slip!
Aug 22, 2019, 10:21 pm
#689
Original Poster
Join Date: Jul 2009
Location: SJC
Programs: AA, AS, Marriott
Posts: 6,061
I saw a sign in Vancouver on Granville Island at one of the shops saying all signature transactions would need ID. I always report such merchants to the payment networks and inform the merchant when requested that ID checks do nothing to change merchant liability.
Aug 24, 2019, 11:36 pm
#690
FlyerTalk Evangelist
Join Date: Jan 2014
Location: San Diego, CA
Programs: GE, Marriott Platinum
Posts: 15,507
Hmm, could I have been better off choosing USD instead of EUR at Airbnb just now? Note the screenshots below:
According to xe.com, €67.74 converts to $76.12 (vs. $75.17 by letting Airbnb do it)--a 1.2% or so difference.
According to xe.com, €67.74 converts to $76.12 (vs. $75.17 by letting Airbnb do it)--a 1.2% or so difference.