DCC Support: Clarity & compliance for your payments

Dynamic Currency Conversion (DCC) allows international cardholders to pay in their home currency, no matter where they are located. This service not only provides added value for the cardholders but also benefits merchants who earn an additional payback on every transaction.

DCC offers the following advantages:

• DCC paybacks (paybacks to merchants for each DCC transaction) are directly offset with the transaction fees. This means merchants benefit from DCC transaction revenues with every payment.
• The DCC paybacks and additional information (e.g., the applied DCC exchange rate or DCC currency) are automatically displayed during the transaction and not afterwards. This provides all relevant information at the time of transaction and from a single source, making it easier to keep track.
• Dynamic Currency Conversion is available for more than 40 DCC currencies.
• Upon request, you can obtain the DCC report (a PDF document) from Worldline free of charge. It is uploaded monthly on myPortal and provides a summary of all DCC transactions and the total amount of DCC paybacks from the previous month per card brand. The report also lists the unused DCC potential (transactions that could have been processed with DCC but were conducted without it).

Additional Advantages:

• Attractive DCC exchange rate for each DCC transaction
• Daily updated exchange rates
• Best Rate Guarantee; If cardholders can prove that the exchange rate of their issuing bank (including any fees) is better than our rate, Worldline will refund the difference. You, as a merchant, are not involved in resolving customer claims at any time!
• No changes to existing payment processes

Benefits for Your International Customers:

• Best Rate Guarantee
• Cardholders can pay in their home currency
• Transparency—the payment amount is immediately displayed in the card currency on the terminal
• Details for expense reports for international business travelers are immediately available

DCC supports over 40 currencies from around the world. You can find a detailed list of all currencies here.

Visa, Visa Debit, V PAY, Mastercard, Debit Mastercard, Maestro.

Yes, debit cards from Visa (Visa Debit and V PAY) as well as debit cards from Mastercard (Debit Mastercard, Maestro) support Dynamic Currency Conversion.

DCC is available on all Worldline payment terminals and free of charge.

You will receive the settlement in your usual currency.

No, there are no additional fees.

No, the total amount already includes the exchange rate and the markup fee.

To meet the DCC compliance requirements, you must ensure transparency, provide clear choices to the cardholder, and adhere to specific disclosure and operational standards which are specified in the Worldline DCC Compliance Guide.

To ensure that a transaction with DCC is correctly displayed on your terminal screen, the following features must be visible:

• Clear Currency Choice Prompt: A direct instruction such as "Please choose currency" or similar
• Amount in the card currency (DCC)
• Currency symbol of the card currency (DCC)
• Purchase amount in the local currency
• Currency symbol of the local currency
• Exchange rate in the following format 1.00 CHF = 0.92535 EUR
• Mark-up (conversion fee) – with ECB reference in case card issuer country and merchant country are both subject to EU regulation

Active selection mechanism: Provide clear buttons or options for the cardholder to actively select their preferred currency. Without preselecting the DCC choice.

To ensure that a transaction with DCC is correctly displayed on your payment receipt, the following features must be visible:

• Purchase amount in the local currency
• Currency symbol of the local currency
• «Transaction Amount» written above or next to the amount in cardholder currency
• Amount in the card currency (DCC)
• Currency symbol of the card currency (DCC)
• Exchange rate in the following format 1.00 CHF = 0.92535 EUR
• Mark-up (conversion fee) – with ECB reference in case card issuer country and merchant country are both subject to EU regulation
• DCC disclaimer text

The details can be found in the Worldline DCC Compliance DCC Compliance Guide.

There are generally no defined times for rule changes. Regarding DCC, Worldline assumes that usually at least one change or update is introduced per year, which may lead to new terminal requirements, new fees, etc.

According to the rules of the card organizations, acquirers like Worldline are responsible for the consistent compliance with DCC requirements by all parties involved in DCC transactions.

If an audit by the card organizations finds that the DCC requirements are not being met, the card organizations can instruct Worldline to disable the DCC offer for certain merchants until further notice.

The card organizations regularly conduct checks to verify compliance with DCC requirements at the merchant's point of sale (POS). If an audit reveals that the DCC requirements are not being met, the card organizations can instruct Worldline to disable the DCC offer for certain merchants until further notice.

The DCC exchange rate fee consists of the exchange rate and a markup. The DCC exchange rate fee is charged as a result of currency conversion costs incurred and due to fluctuations in international currency markets. Such fluctuations are the cause of deviations between DCC rates and exchange rates on international markets. The markup ensures that the associated risk borne by us remains manageable, and is already included in the exchange rate.

The DCC exchange rate includes the following elements:

• The exchange rate is provided daily by SIX Financial Information
• Currency exchange fee for the currency conversion (markup)

DCC exchange rates can be printed out from the standalone terminals once DCC is enabled. You can find them in the main menu under “Queries”.

No, the customer only has the choice between the two displayed currencies on the terminal.

It may happen if the issuing bank of the card does not allow to process DCC transactions. This way, the customer has to pay in the local currency.

You’re able to view a history of your DCC transactions via myPortal.

Yes, this is possible.

There is the MPD solution, which only works with VEZ+ protocol (EOL and incompliant) and must be switched to the TIM solutions. TIM Server is compatible with the features of MPD.

The TIM solutions work on both protocols, VEZ+ and SIXml. With SIXml being the newer and complaint protocol. Therefore, all merchants that already use the TIM solutions with VEZ+ protocol must switch to SIXml.

The VEZ+ protocol is End of Life, DCC incompliant and no developments can be performed. Therefore, a switch of the protocol to SIXml must be performed.

Please contact your integrator for more information on how to switch the integration protocol to SIXml. They have the direct contact to the Worldline technical integration team.