Dynamic Currency Conversion (DCC) FAQs

FAQs about DCC

With DCC (Dynamic Currency Conversion), you offer your international customers a convenient service: they have the option to pay directly in their home currency. This way, your customers will feel at home when shopping with you!

Your benefits at a glance:

Attractive commissions mean you earn with every individual DCC transaction.
With DCC, you attract new, affluent, international business customers.
Benefit from our wide range of up to 49 different currencies.

What is Dynamic Currency Conversion (DCC) and how does it work?
DCC allows international customers to pay in their home currency while shopping abroad. The terminal automatically detects the card’s currency and offers the option to pay in the customer’s home currency.
How does the DCC payment process work?
The DCC payment process occurs step by step: After entering the purchase amount in local currency and inserting the card, the customer is offered the option to pay in their home currency. The customer selects their preferred currency, enters their PIN (if required), and the payment is processed.
How does a DCC transaction differ from a local currency transaction?
Payment in Card/Foreign Currency
Immediate conversion with up-to-date exchange rate via our in-house solution
Conversion fee for cardholder is already included
Cardholder knows exactly what amount will be deducted when paying
Merchant receives additional revenue from the conversion fee
Payment in Local Merchant Currency
Conversion occurs only a few business days later by the issuing bank
Conversion fee is deducted separately from the account
Final price in home currency is unknown at the time of the transaction
Credit card issuer profits from the conversion
Which currencies can be converted?
Currently, DCC supports up to 49 currencies.
Which types of cards support DCC?
DCC is supported by Visa, Visa Debit, V PAY, Mastercard, Debit Mastercard, and Maestro, provided the card currency is supported by our DCC service.
Where does the DCC exchange rate come from?
The exchange rate is provided daily by SIX Financial Information AG.
Are there any charges for DCC transactions?
A conversion fee applies, which is included in the exchange rate and is borne solely by the cardholder. As a merchant, you incur no DCC conversion fees.
Why is a conversion fee charged?
DCC is a service that carries exchange rate risk. A portion of the conversion fee helps cover the risk assumed by PAYONE. Credit card issuers also charge a similar conversion fee for card transactions abroad.
What do I gain as a merchant from DCC payments?
With this service, you offer your customers real added value. Additionally, part of the conversion fee is returned to you as a merchant as an attractive financial kickback. This way, you secure additional revenue.
What should I be aware of in DCC transactions?
You must inform cardholders about DCC before the transaction. Additionally, cardholders must always have the choice of whether to pay with or without DCC, and they must actively make this choice at the terminal.

Downloads for Retailers

DCC Dynamic currency conversion

FAQs about DCC

Payment in Card/Foreign Currency

Payment in Local Merchant Currency

DCC Briefly explained

Downloads for Retailers

"DCC at a glance" Leaflet for Checkout Staff

Leaflet "FAQ DCC"

Refund Form for Cardholders

Table Display

Would you like to use DCC
in your business?

DCC Dynamic currency conversion

FAQs about DCC

Payment in Card/Foreign Currency

Payment in Local Merchant Currency

DCC Briefly explained

Downloads for Retailers

"DCC at a glance" Leaflet for Checkout Staff

Leaflet "FAQ DCC"

Refund Form for Cardholders

Table Display

Would you like to use DCC in your business?

Would you like to use DCC
in your business?