Dynamic Currency Conversion (DCC)

What is DCC?

The purchase amount is converted from the Merchant’s local currency to the amount in the cardholder’s local currency in real-time at the point of sale. The cardholder can review the exchange rate and any associated fees before deciding which currency they want to pay in.

Although it allows cardholders to pay in their currency, Merchants will receive the funds in the original transaction currency. 

What are the benefits of DCC?

How does it work?

Payment Screen

The cardholder is given the option to pay in their local currency or to use the Merchants currency. The amount for each is displayed:

Payment in Merchant’s currency:

Payment in cardholder’s currency:

Transaction Receipt

The DCC details for the transaction can be viewed on the Transaction Receipt:

Viewing the DCC transaction details on the MMS

Under the transaction details the amount requested and received will show in both currencies:

For more information about the transaction see the Transaction History and Transaction Activity reports which contain the following fields:

• DCC Rate
• DCC Margin
• DCC Commission 
• DCC Accepted 
• DCC Currency Code 
• DCC Currency Number 
• DCC Amount Required
• DCC Amount Approved
• DCC Amount Received
• DCC Amount Refunded

See the Gateway Integration Guide for details of how to use DCC with our direct integration.

Please note DCC is currently only available for use with selected Acquirers.

Please contact Cardstream to learn more.