Dynamic Currency Conversion Compliance and Chargeback Prevention (United States)

Description: Understand your responsibilities when offering Dynamic Currency Conversion (DCC) and how to reduce chargeback risk.

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Availability: United States

Note: This feature is currently available only for Pilot users.

Compliance Requirements

1. Active Choice

   • The customer must make an active choice.
   • Do not guide the customer’s choice or recommend a specific option.
     

2. Provide Receipt

   • Provide the receipt to the cardholder
     

DCC Chargebacks

• To remain compliant with card network rules and help prevent disputes, merchants must ensure that customers are clearly offered a choice of currencies and that the exchange rate and final converted amount are displayed before the transaction is authorized. The receipt should reflect both currencies and confirm that the cardholder accepted the conversion.
• Chargebacks related to DCC most commonly occur when customers claim they were not given a currency choice or were unaware of the conversion. Proper disclosure, allowing the cardholder to select the currency themselves, and maintaining receipts that show the DCC acceptance are key to successfully defending these disputes.

For step-by-step instructions on processing DCC transactions, visit the Process DCC Transactions article.