{"title":"Dynamic Currency Conversion (DCC)","category":"default","creationDate":1676035020,"content":"<p><span style=\"color: #0ABF53;\"><span style=\"font-size: 20px;\"><strong>Limited availability<\/strong><\/span><\/span><br \/>\nDynamic Currency Conversion (DCC) for platforms is currently in pilot phase. Some of the processes and documentation may change as the feature evolves. If you are interested in piloting DCC or have any feedback, reach out to your Adyen contact.<\/p>\n<hr \/>\n<p>Dynamic Currency Conversion (DCC) allows you to convert the currency of your users' transactions at the point of sale. DCC gives your users' international customers the option to either pay in the local currency or their home currency. Before payment, the terminal shows the customer the exchange rate and markup, so they can make an informed decision.<\/p>\n<p>When you offer DCC to your users' customers, you must comply with <a href=\"#complying-with-regulations\">regulations<\/a>, such as what is shown on receipts.<\/p>\n<h2>Requirements<\/h2>\n<p>In addition to the <a href=\"\/platforms\/in-person-payments#requirements\">general requirements<\/a> for in-person payments with an Adyen for Platforms integration, take into account the following information.<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Requirement<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><strong>Integration type<\/strong><\/td>\n<td style=\"text-align: left;\">A <a href=\"\/point-of-sale\/design-your-integration\/terminal-api\">Terminal API<\/a> integration with <a href=\"\/point-of-sale\/what-we-support\/select-your-terminals\">payment terminals<\/a> or with a <a href=\"\/point-of-sale\/ipp-mobile\">Mobile solution<\/a>. <div class=\"notices green\">The standalone solution does not support adding split instructions to individual payment authorization requests.<\/div><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/account\/user-roles\">Customer Area roles<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">For DCC reports and overviews, make sure you have the following role(s): <ul><li markdown=\"1\"><strong>Merchant view POS Payment Report<\/strong><\/li> <li markdown=\"1\"><strong>Merchant POS Report role<\/strong><\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong><a href=\"\/development-resources\/webhooks\">Webhooks<\/a><\/strong><\/td>\n<td style=\"text-align: left;\">Subscribe to <a href=\"\/development-resources\/webhooks\">standard webhooks<\/a> if you want to use DCC for authorization adjustment. To get notified about status changes to the resulting payment, subscribe to the following webhooks:<ul><li markdown=\"1\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transfer-webhooks\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Transfer webhooks<\/a><\/li><li markdown=\"1\"> <a href=\"https:\/\/docs.adyen.com\/api-explorer\/transaction-webhooks\/latest\/overview\" class=\" external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Transaction webhooks<\/a><\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Limitations<\/strong><\/td>\n<td style=\"text-align: left;\"><strong>Availability<\/strong>: <ul><li markdown=\"1\">DCC is available and certified for Visa, Mastercard, and Maestro.<\/li><li markdown=\"1\">DCC is supported in specific <a href=\"#supported-currencies\">currencies and countries\/regions<\/a>.<\/li><\/ul><strong>Feature support<\/strong>:<ul><li markdown=\"1\">It is not allowed to apply a <a href=\"\/platforms\/in-person-payments\/surcharge#surcharge-or-dcc\">surcharge and Dynamic Currency Conversion<\/a> to the same transaction.<\/li> <li markdown=\"1\">DCC is not supported for offline POS transactions.<\/li><li markdown=\"1\">If DCC is enabled for even one store in your platform, all standalone terminals automatically start supporting DCC, regardless of their linked store. This does not apply to terminals on version 1.120, or 1.122 and later.<\/li><\/ul><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><strong>Setup steps<\/strong><\/td>\n<td style=\"text-align: left;\">Before you begin: <ul><li markdown=\"1\">Reach out to your account manager to sign the DCC addendum with the agreed upon markup rate.<\/li><li markdown=\"1\">Make sure you comply with card scheme <a href=\"#regulations\">regulations<\/a>.<\/li><\/ul><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>How it works<\/h2>\n<p>After you have selected stores and enabled DCC:<\/p>\n<ol>\n<li>\nYour user initiates a payment like they usually do, and the customer presents their card to the payment terminal.\n<\/li>\n<li>\n<p>The terminal recognizes the currency that is used for billing the customer when they use their card.<\/p>\n<\/li>\n<li>\n<p>If the customer's billing currency differs from the local currency, the terminal prompts the customer to choose between paying in the local currency or their own billing currency.<\/p>\n<p><img alt=\"\" src=\"\/images\/4\/1\/5\/4\/0\/41540127019d1f2a7bd98e35722a0ca068776644-screen-endcc-portrait-usd.png\" \/><\/p>\n<\/li>\n<li>\n<p>If the customer accepts DCC by choosing their own billing currency, foreign-exchange conversion is applied to the transaction. The Adyen-generated receipt includes information about the conversion. If the customer rejects DCC by choosing the local currency, the transaction continues in the local currency.<\/p>\n<\/li>\n<\/ol>\n<h2>Complying with regulations<\/h2>\n<p>To avoid fines and the loss of DCC privileges, it is important to comply with the disclosure and receipt requirements of the card schemes when choosing to offer DCC to your users\u2019 customers.<\/p>\n<p>According to card scheme regulations, the customer must be given the choice to accept DCC, or decline it and pay in the local currency. The customer must be made aware of the cost of the currency conversion, and it is not permitted to force a choice on the cardholder.<\/p>\n<div class=\"notices green\">\n<p>Refer to <a href=\"https:\/\/help.adyen.com\/knowledge\/in-person-payments\/terminal-features\/dynamic-currency-conversion-dcc-rules-regulations\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Dynamic Currency Conversion - Rules &amp; Regulations<\/a> for detailed guidance on card scheme requirements.<\/p>\n<\/div>\n<h3 id=\"dcc-disclosure\">Disclosure and receipt requirements<\/h3>\n<p>The Adyen DCC feature allows you to offer customers the choice to accept or decline DCC in a way that is fully compliant with card scheme regulations, with full disclosure of the exchange rate and markups. The customer can review DCC charges both on the payment terminal and on the Adyen-generated receipt.<\/p>\n<p>The following illustrations show the information on a portrait, and landscape terminal display.<\/p>\n<div class=\"sc-columns\" style=\"columns:2 auto;-moz-columns:2 auto;column-gap:normal;-moz-column-gap:normal;\">\n<p><img alt=\"\" src=\"\/images\/c\/5\/9\/9\/b\/c599bc5ea99b8cd53154e332edfe4a1ac6ab66eb-screen-endcc-portrait-usd.png\" \/><\/p>\n<\/div>\n<p><br><\/p>\n<p><img alt=\"\" src=\"\/images\/c\/3\/a\/c\/f\/c3acffbe7a78e0a33de8f9746681c5c1c532fa80-screen-endcc-landscape-usd.png\" \/><\/p>\n<p>On the Adyen-generated receipt, the customer receives the same information, as well as a DCC acceptance statement (<em>I have been offered a choice of currencies and have chosen to accept DCC and pay in {currency} at the exchange rate provided by Adyen n.v.<\/em>).<\/p>\n<table>\n<thead>\n<tr>\n<th>Merchant receipt<\/th>\n<th>Shopper receipt<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><img alt=\"\" src=\"\/images\/f\/7\/4\/7\/d\/f747d76daf47de0588b511296c3565299161e9ac-dccreceiptmerchant-new.png\" \/><\/td>\n<td><img alt=\"\" src=\"\/images\/f\/3\/9\/a\/6\/f39a678329656807ba9efe1f84ff476143038d6f-dccreceiptshopper-new.png\" \/><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>If you do not use Adyen-generated receipts<\/h3>\n<p>To remain compliant with card scheme regulations if your integration defines the content of the receipt, make sure that the receipt contains the following information:<\/p>\n<ul>\n<li>Exchange rate<\/li>\n<li>Source of the exchange rate<\/li>\n<li>Markup<\/li>\n<li>Amount in customer's billing currency<\/li>\n<li>Amount in local currency<\/li>\n<li>DCC acceptance statement<\/li>\n<\/ul>\n<p>To find out more, contact your Account Manager or our\u00a0<a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>\n<h3>If you use authorization adjustment<\/h3>\n<p>To remain compliant with card scheme regulations if you use DCC with pre-authorization and authorization adjustment:<\/p>\n<ol>\n<li>Make sure that you have <a href=\"\/development-resources\/webhooks\">set up webhooks<\/a> to receive updates and learn whether the final amount has been captured.<\/li>\n<li>Add the details from the <a href=\"\/point-of-sale\/pre-authorisation#capture-authorization\">CAPTURE webhook<\/a> to the receipt or invoice.<\/li>\n<\/ol>\n<h2>DCC markup<\/h2>\n<p>When a customer selects DCC at the payment terminal, they pay the current exchange rate plus an additional markup on the transaction. Adyen uses a revenue share model, where the revenue from the markup can be split between your platform, your user, and Adyen.<\/p>\n<p>After you deduct the portion of the markup that Adyen keeps, you can choose if and how to split the remaining markup amount between your platform and your user. For every payment that uses DCC, you must <a href=\"#2-gather-the-split-instructions-for-the-dcc-markup\">specify the percentage of the remaining markup that must be booked to your user's balance account<\/a>. Adyen then books the rest of the markup amount to your liable balance account.<\/p>\n<p>When Adyen books a DCC markup amount to a balance account, we always use the split type <span translate=\"no\"><strong>DCCMarkup<\/strong><\/span>. All funds booked under this split type have the default settlement delay of the balance account.<\/p>\n<h2>Accept a payment with DCC<\/h2>\n<p>To accept a payment using DCC, you must first:<\/p>\n<ol>\n<li><a href=\"#1-select-stores\">Select the stores for which you want to enable DCC<\/a><\/li>\n<li><a href=\"#2-enable-dcc-for-your-platform\">Enable DCC for your platform<\/a><\/li>\n<\/ol>\n<p>After you enable DCC for your platform, your users' customers can select DCC at the payment terminal. To split the DCC markup amount between your platform and your user, you can do one of the following:<\/p>\n<ul>\n<li>\n<p><strong>Option 1<\/strong>: Set up a split configuration profile with a rule to handle the DCC markup amount. For more information about this, see <a href=\"\/platforms\/automatic-split-configuration\/create-split-configuration?tab=api_2#book-dcc-markups\">Create split configurations<\/a><\/p>\n<\/li>\n<li>\n<p><strong>Option 2<\/strong>: Provide instructions to handle the DCC markup amount in each payment request. Instructions in your payment request override any instructions configured in the split configuration profile. To provide instructions in your payment request, you must:<\/p>\n<ol>\n<li><a href=\"#3-gather-the-split-instructions\">Gather the split instructions<\/a><\/li>\n<li><a href=\"#4-format-the-split-instructions\">Format the split instructions<\/a><\/li>\n<li><a href=\"#5-make-a-payment-request\">Make a payment request<\/a><\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<h2>1. Select stores<\/h2>\n<ol>\n<li>\n<p>Identify the stores for which you want to enable DCC. If you choose to enable DCC for at least one store, all standalone terminals under your platform start supporting DCC, even if they are not linked to that store. This does not apply to terminals on version 1.120, or version 1.122 and later.<\/p>\n<\/li>\n<li>\n<p>Create a CSV file specifying the following information:<\/p>\n<ul>\n<li>The IDs of the stores for which to enable DCC.<\/li>\n<li>Whether or not that store processes the Maestro payment method.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h2>2. Enable DCC for your platform<\/h2>\n<ol>\n<li>\n<p>Contact our\u00a0<a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a> to:<\/p>\n<ul>\n<li>Enable and configure DCC to ensure it is offered in your stores.<\/li>\n<li>Enable DCC reporting for your merchant account(s). This ensures <a href=\"#reports\">financial reports<\/a> and <a href=\"#reports\">dashboards<\/a> include DCC details.<\/li>\n<li>(Optional) Enable DCC for pre-authorization and authorization adjustment.<br><\/li>\n<\/ul>\n<p>When you contact our support team, use the subject line <span translate=\"no\"><b>Pilot DCC - <\/b><\/span><b>[enable terminal]<\/b>, and include the CSV file you created in the <a href=\"#1-select-stores\">step above<\/a>.<\/p>\n<\/li>\n<li>\n<p>In your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a> under <strong>Settings<\/strong> &gt; <strong>Payment methods<\/strong> make sure that the <strong>Configured currencies<\/strong> on your payment methods are set to <strong>ANY<\/strong>. The currency of payment methods is set by default and depends on the specific payment method type. If your implementation is different and you need to change the currency, contact our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>\n<\/li>\n<\/ol>\n<h2>3. Gather the split instructions<\/h2>\n<ol>\n<li>\n<p>Gather the split instructions for the payment:<\/p>\n<p>Always provide the split payment instructions in the <strong>settlement currency<\/strong>. This is the currency your user receives. For more information on how to gather split data, see <a href=\"\/platforms\/in-person-payments\/split-transactions\/split-payments-at-authorization#gather-data\">Gather the split instructions<\/a>.<\/p>\n<\/li>\n<li>\n<p>Gather the split instructions for the DCC markup:<\/p>\n<p>These instructions specify how to split the DCC markup amount between your platform and your user. You must gather the following data:<\/p>\n<table>\n<thead>\n<tr>\n<th style=\"text-align: left;\">Field<\/th>\n<th style=\"text-align: center;\">Required<\/th>\n<th style=\"text-align: left;\">Description<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"text-align: left;\"><code>platformDccLogic.targetAccount<\/code><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: left;\">The account to which your user's share of the DCC markup must be booked. Your platform's share of the DCC markup is always booked to your liable balance account.<br><br>By default, we book the full markup amount, after deducting Adyen's share, to your liable balance account.<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: left;\"><code>platformDccLogic.accountHolderPercentage<\/code><\/td>\n<td style=\"text-align: center;\"><\/td>\n<td style=\"text-align: left;\">The percentage of the DCC markup that must be booked to your user, in basis points.<br><br>By default, we book the full markup amount, after deducting Adyen's share, to your platform.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/li>\n<\/ol>\n<h2>4. Format the split instructions<\/h2>\n<p>To pass the split instructions for the payment and DCC markup in the <code>SaleToAcquirerData<\/code> field of your request, you must first format them. There are two ways to do this:<\/p>\n<ul>\n<li><strong>Option 1<\/strong>: as a string of form-encoded key-value pairs (using &amp; as a separator).<\/li>\n<li><strong>Option 2<\/strong>: as a JSON object converted to a Base64-encoded string.<\/li>\n<\/ul>\n<p>The format you use in your request is the format that will be returned in the <code>AdditionalResponse<\/code>. To always receive the <code>AdditionalResponse<\/code> in a specific format, contact our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>\n<p>Select the tab for the option you want to use.<\/p>\n   \n<div id=\"tabcQJIM\">\n    <div data-component-wrapper=\"tabs\">\n        <tabs\n                        :items=\"[{&quot;title&quot;:&quot;Key-value pairs&quot;,&quot;content&quot;:&quot;\\n&lt;ol&gt;\\n&lt;li&gt;\\n&lt;p&gt;Turn the split instructions you gathered into key-value pairs.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n&lt;code-sample :title=\\&quot;&#039;Split instructions as key-value pairs&#039;\\&quot; :id=\\&quot;&#039;split-data-pairs-1&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;raw\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;split.api=1\\\\nsplit.nrOfItems=3\\\\nsplit.totalAmount=62000\\\\nsplit.currencyCode=USD\\\\nsplit.item1.amount=60000\\\\nsplit.item1.type=BalanceAccount\\\\nsplit.item1.account=BA00000000000000000000001\\\\nsplit.item1.reference=Your reference for the sale amount\\\\nsplit.item1.description=Your description for the sale amount\\\\nsplit.item2.amount=2000\\\\nsplit.item2.type=Commission\\\\nsplit.item2.reference=Your reference for your commission\\\\nsplit.item2.description=Your description for your commission\\\\nsplit.item3.type=PaymentFee\\\\nsplit.item3.account=BA00000000000000000000001\\\\nsplit.item3.reference=Your reference for the payment fee\\\\nsplit.item3.description=Your description for the payment fee\\\\nplatformDccLogic.targetAccount=BA00000000000000000000001\\\\nplatformDccLogic.accountHolderPercentage=3000\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;Concatenate the key-value pairs into a string by separating them with ampersands (&lt;span translate=\\&quot;no\\&quot;&gt;&lt;strong&gt;&amp;amp;&lt;\\\/strong&gt;&lt;\\\/span&gt;). You will pass the resulting string in &lt;code&gt;SaleData.SaleToAcquirerData&lt;\\\/code&gt;.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n&lt;code-sample :title=\\&quot;&#039;Concatenated key-value pairs&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;bash\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;split.api=1&amp;amp;split.nrOfItems=3&amp;amp;split.totalAmount=62000&amp;amp;split.currencyCode=USD&amp;amp;split.item1.amount=60000&amp;amp;split.item1.type=BalanceAccount&amp;amp;split.item1.account=BA00000000000000000000001&amp;amp;split.item1.reference=Your reference for the sale amount&amp;amp;split.item1.description=Your description for the sale amount&amp;amp;split.item2.amount=2000&amp;amp;split.item2.type=Commission&amp;amp;split.item2.reference=Your reference for your commission&amp;amp;split.item2.description=Your description for your commission&amp;amp;split.item3.type=PaymentFee&amp;amp;split.item3.account=BA00000000000000000000001&amp;amp;split.item3.reference=Your reference for the payment fee&amp;amp;split.item3.description=Your description for the payment fee&amp;amp;platformDccLogic.targetAccount=BA00000000000000000000001&amp;amp;platformDccLogic.accountHolderPercentage=3000\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;split-key-value-pairs&quot;,&quot;oldTabId&quot;:1,&quot;relation&quot;:&quot;&quot;},{&quot;title&quot;:&quot;Base64-encoded JSON&quot;,&quot;content&quot;:&quot;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;Create a JSON object consisting of an &lt;code&gt;additionalData&lt;\\\/code&gt; object containing the split instructions you gathered.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n&lt;code-sample :title=\\&quot;&#039;JSON object&#039;\\&quot; :id=\\&quot;&#039;JSON-object_1&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;json\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;{\\\\n     \\\\\\&quot;additionalData\\\\\\&quot;: {\\\\n         \\\\\\&quot;split.api\\\\\\&quot;: \\\\\\&quot;1\\\\\\&quot;,\\\\n         \\\\\\&quot;split.nrOfItems\\\\\\&quot;: \\\\\\&quot;3\\\\\\&quot;,\\\\n         \\\\\\&quot;split.totalAmount\\\\\\&quot;: \\\\\\&quot;62000\\\\\\&quot;,\\\\n         \\\\\\&quot;split.currencyCode\\\\\\&quot;: \\\\\\&quot;USD\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item1.amount\\\\\\&quot;: \\\\\\&quot;60000\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item1.type\\\\\\&quot;: \\\\\\&quot;BalanceAccount\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item1.account\\\\\\&quot;: \\\\\\&quot;BA00000000000000000000001\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item1.reference\\\\\\&quot;: \\\\\\&quot;Your reference for the sale amount\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item1.description\\\\\\&quot;: \\\\\\&quot;Your description for the sale amount\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item2.amount\\\\\\&quot;: \\\\\\&quot;2000\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item2.type\\\\\\&quot;: \\\\\\&quot;Commission\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item2.reference\\\\\\&quot;: \\\\\\&quot;Your reference for your commission\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item2.description\\\\\\&quot;: \\\\\\&quot;Your description for your commission\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item3.type\\\\\\&quot;: \\\\\\&quot;PaymentFee\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item3.account\\\\\\&quot;: \\\\\\&quot;BA00000000000000000000001\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item3.reference\\\\\\&quot;: \\\\\\&quot;Your reference for the payment fee\\\\\\&quot;,\\\\n         \\\\\\&quot;split.item3.description\\\\\\&quot;: \\\\\\&quot;Your description for the payment fee\\\\\\&quot;,\\\\n         \\\\\\&quot;platformDccLogic.targetAccount\\\\\\&quot;: \\\\\\&quot;BA00000000000000000000001\\\\\\&quot;,\\\\n         \\\\\\&quot;platformDccLogic.accountHolderPercentage\\\\\\&quot;: \\\\\\&quot;3000\\\\\\&quot;\\\\n     }\\\\n}\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&lt;\\\/li&gt;\\n&lt;li&gt;\\n&lt;p&gt;Encode the JSON object to Base64. You will pass the resulting string in &lt;code&gt;SaleData.SaleToAcquirerData&lt;\\\/code&gt;.&lt;\\\/p&gt;\\n&lt;div data-component-wrapper=\\&quot;code-sample\\&quot;&gt;\\n&lt;code-sample :title=\\&quot;&#039;Base64 string&#039;\\&quot; :id=\\&quot;&#039;&#039;\\&quot; :code-data=&#039;[{\\&quot;language\\&quot;:\\&quot;bash\\&quot;,\\&quot;tabTitle\\&quot;:\\&quot;\\&quot;,\\&quot;content\\&quot;:\\&quot;ewogICAgICAgICAgICAiYWRkaXRpb25hbERhdGEiOiB7CiAgICAgICAgICAgICAgICAic3BsaXQuYXBpIjogIjEiLAogICAgICAgICAgICAgICAgInNwbGl0Lm5yT2ZJdGVtcyI6ICIzIiwKICAgICAgICAgICAgICAgICJzcGxpdC50b3RhbEFtb3VudCI6ICI2MjAwMCIsCiAgICAgICAgICAgICAgICAic3BsaXQuY3VycmVuY3lDb2RlIjogIlVTRCIsCiAgICAgICAgICAgICAgICAic3BsaXQuaXRlbTEuYW1vdW50IjogIjYwMDAwIiwKICAgICAgICAgICAgICAgICJzcGxpdC5pdGVtMS50eXBlIjogIkJhbGFuY2VBY2NvdW50IiwKICAgICAgICAgICAgICAgICJzcGxpdC5pdGVtMS5hY2NvdW50IjogIkJBMDAwMDAwMDAwMDAwMDAwMDAwMDAwMDEiLAogICAgICAgICAgICAgICAgInNwbGl0Lml0ZW0xLnJlZmVyZW5jZSI6ICJZb3VyIHJlZmVyZW5jZSBmb3IgdGhlIHNhbGUgYW1vdW50IiwKICAgICAgICAgICAgICAgICJzcGxpdC5pdGVtMS5kZXNjcmlwdGlvbiI6ICJZb3VyIGRlc2NyaXB0aW9uIGZvciB0aGUgc2FsZSBhbW91bnQiLAogICAgICAgICAgICAgICAgInNwbGl0Lml0ZW0yLmFtb3VudCI6ICIyMDAwIiwKICAgICAgICAgICAgICAgICJzcGxpdC5pdGVtMi50eXBlIjogIkNvbW1pc3Npb24iLAogICAgICAgICAgICAgICAgInNwbGl0Lml0ZW0yLnJlZmVyZW5jZSI6ICJZb3VyIHJlZmVyZW5jZSBmb3IgeW91ciBjb21taXNzaW9uIiwKICAgICAgICAgICAgICAgICJzcGxpdC5pdGVtMi5kZXNjcmlwdGlvbiI6ICJZb3VyIGRlc2NyaXB0aW9uIGZvciB5b3VyIGNvbW1pc3Npb24iLAogICAgICAgICAgICAgICAgInNwbGl0Lml0ZW0zLnR5cGUiOiAiUGF5bWVudEZlZSIsCiAgICAgICAgICAgICAgICAic3BsaXQuaXRlbTMuYWNjb3VudCI6ICJCQTAwMDAwMDAwMDAwMDAwMDAwMDAwMDAxIiwKICAgICAgICAgICAgICAgICJzcGxpdC5pdGVtMy5yZWZlcmVuY2UiOiAiWW91ciByZWZlcmVuY2UgZm9yIHRoZSBwYXltZW50IGZlZSIsCiAgICAgICAgICAgICAgICAic3BsaXQuaXRlbTMuZGVzY3JpcHRpb24iOiAiWW91ciBkZXNjcmlwdGlvbiBmb3IgdGhlIHBheW1lbnQgZmVlIiwKICAgICAgICAgICAgICAgICJwbGF0Zm9ybURjY0xvZ2ljLnRhcmdldEFjY291bnQiOiAiQkEwMDAwMDAwMDAwMDAwMDAwMDAwMDAwMSIsCiAgICAgICAgICAgICAgICAicGxhdGZvcm1EY2NMb2dpYy5hY2NvdW50SG9sZGVyUGVyY2VudGFnZSI6ICIzMDAwIgogICAgICAgICAgICB9CiAgICAgICB9\\&quot;}]&#039; :enable-copy-link-to-code-block=\\&quot;true\\&quot; :code-sample-card-size=\\&quot;&#039;fullsize&#039;\\&quot;&gt;&lt;\\\/code-sample&gt;\\n&lt;\\\/div&gt;\\n&quot;,&quot;altTitle&quot;:&quot;split-base64-format&quot;,&quot;oldTabId&quot;:1,&quot;relation&quot;:&quot;&quot;}]\"\n            :should-update-when-url-changes='true'>\n        <\/tabs>\n    <\/div>\n<\/div>\n\n<\/li>\n<\/ol>\n<h2>5. Make a payment request<\/h2>\n<ol>\n<li>\n<p>Make a POST  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/terminal-api\/latest\/post\/payment\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">PaymentRequest<\/a> request. Pass the formatted string of split instructions in the <code>SaleToAcquirerData<\/code> field of the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/terminal-api\/latest\/post\/payment#request-SaleData\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">SaleData<\/a> object. For more information about Terminal API requests with split instructions, see <a href=\"\/platforms\/in-person-payments\/split-transactions\/split-payments-at-authorization#split-payment\">Split payments at authorization<\/a>.<\/p>\n<p>For example, your user sells goods worth USD 620.00 to a customer, who wants to pay in their home currency of EUR.<\/p>\n<ul>\n<li>The settlement currency is USD. This is the local currency.<\/li>\n<li>The customer's home currency is EUR.<\/li>\n<li>The payment amount must be split as follows:\n<ul>\n<li>USD 600.00 is booked to your user's balance account as payment for the goods or services.<\/li>\n<li>USD 20.00 is booked to your liable balance account as your platform's commission.<\/li>\n<li>All transaction fees are booked to your user's balance account.<\/li>\n<\/ul><\/li>\n<li>After deducting Adyen's share, the remaining DCC markup must be split as follows:\n<ul>\n<li>30% of the markup must be booked to your user's balance account (<span translate=\"no\"><strong>BA00000000000000000000001<\/strong><\/span>)<\/li>\n<li>70% of the markup must be booked to your liable balance account (<span translate=\"no\"><strong>BA00000000000000000LIABLE<\/strong><\/span>)<\/li>\n<\/ul><\/li>\n<\/ul>\n<p>The example request shows the split instructions as a string of concatenated key-value pairs, but note that specifying split instructions as a JSON object converted to a Base64-encoded string is supported too.<\/p>\n<div data-component-wrapper=\"code-sample\">\n<code-sample :title=\"'Payment request with split instructions as key-value pairs'\" :id=\"''\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n  \\\"SaleToPOIRequest\\\": {\\n      \\\"MessageHeader\\\": {\\n          \\\"ProtocolVersion\\\": \\\"3.0\\\",\\n          \\\"MessageClass\\\": \\\"Service\\\",\\n          \\\"MessageCategory\\\": \\\"Payment\\\",\\n          \\\"MessageType\\\": \\\"Request\\\",\\n          \\\"SaleID\\\": \\\"POSSystemID12345\\\",\\n          \\\"ServiceID\\\": \\\"0207111104\\\",\\n          \\\"POIID\\\": \\\"V400m-324688179\\\"\\n      },\\n      \\\"PaymentRequest\\\": {\\n          \\\"SaleData\\\": {\\n              \\\"SaleTransactionID\\\": {\\n                  \\\"TransactionID\\\": \\\"27908\\\",\\n                  \\\"TimeStamp\\\": \\\"2025-12-15T10:11:04+00:00\\\"\\n              },\\n              \\\"SaleToAcquirerData\\\": \\\"split.api=1&amp;split.nrOfItems=3&amp;split.totalAmount=62000&amp;split.currencyCode=USD&amp;split.item1.amount=60000&amp;split.item1.type=BalanceAccount&amp;split.item1.account=BA00000000000000000000001&amp;split.item1.reference=reference_split_1&amp;split.item1.description=description_split_1&amp;split.item2.amount=2000&amp;split.item2.type=Commission&amp;split.item2.reference=reference_commission&amp;split.item2.description=description_commission&amp;split.item3.type=PaymentFee&amp;split.item3.account=BA00000000000000000000001&amp;split.item3.reference=reference_PaymentFee&amp;split.item3.description=description_PaymentFee&amp;platformDccLogic.targetAccount=BA00000000000000000000001&amp;platformDccLogic.accountHolderPercentage=3000\\\"\\n          },\\n          \\\"PaymentTransaction\\\": {\\n              \\\"AmountsReq\\\": {\\n                  \\\"Currency\\\": \\\"USD\\\",\\n                  \\\"RequestedAmount\\\": 620.00\\n              }\\n          }\\n      }\\n  }\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<p>The payment request is routed to the terminal. The customer presents their card, chooses whether to pay in the local currency or their home currency, and verifies the payment. The payment is then sent to the Adyen payments platform for processing.<\/p>\n<\/li>\n<li>\n<p>In the  <a href=\"https:\/\/docs.adyen.com\/api-explorer\/terminal-api\/latest\/post\/payment#responses-200\" class=\"codeLabel  external-link no-image\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">PaymentResponse<\/a>, note the <code>Response.AdditionalResponse<\/code>, which contains the details of the conversion, such as:<\/p>\n<ul>\n<li>The currency that the payment is converted into.<\/li>\n<li>The exchange rate.<\/li>\n<li>The converted payment amount.<\/li>\n<li>The DCC markup amount that is split between Adyen, your user, and your platform.<\/li>\n<\/ul>\n<div data-component-wrapper=\"code-sample\">\n<code-sample :title=\"'DCC details in additional response'\" :id=\"''\" :code-data='[{\"language\":\"json\",\"tabTitle\":\"\",\"content\":\"{\\n   \\\"SaleToPOIResponse\\\": {\\n      \\\"MessageHeader\\\": {...},\\n      \\\"PaymentResponse\\\": {\\n         \\\"POIData\\\": {...}\\n         },\\n         \\\"PaymentReceipt\\\": [...],\\n         \\\"PaymentResult\\\":{\\n            \\\"AmountsResp\\\":{\\n               \\\"AuthorizedAmount\\\":620.00,\\n               \\\"Currency\\\":\\\"USD\\\"\\n            },\\n            ...\\n            \\\"PaymentInstrumentData\\\":{...}\\n         },\\n         \\\"Response\\\":{\\n            \\\"AdditionalResponse\\\":\\\"...dcc.converted.amount.currency=EUR&amp;dcc.converted.amount.value=52746&amp;dcc.exchangerate=8507&amp;dcc.markup=300&amp;dcc.org.amount.currency=USD&amp;dcc.org.amount.value=62000&amp;dcc.source=FX_exchange_rate...issuerCountry=NL...posAuthAmountCurrency=USD&amp;posAuthAmountValue=62000...\\\",\\n            \\\"Result\\\":\\\"Success\\\"\\n         },\\n         \\\"SaleData\\\":{\\n            \\\"SaleTransactionID\\\": {...}\\n         }\\n      }\\n   }\\n}\"}]' :enable-copy-link-to-code-block=\"true\" :code-sample-card-size=\"'fullsize'\"><\/code-sample>\n<\/div>\n<\/li>\n<\/ol>\n<h2>Reconciling payments<\/h2>\n<p>Enabling DCC can have consequences for your (automated) reconciliation. For more information, contact your Account Manager or our <a href=\"https:\/\/ca-test.adyen.com\/ca\/ca\/contactUs\/support.shtml?form=other\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Support Team<\/a>.<\/p>\n<p>Funds are settled in your settlement currency. The amount that you start the transaction with (before DCC) will be paid to your user. For example, you start a transaction for USD&nbsp;100, and the customer accepts DCC for EUR&nbsp;90. Adyen settles USD&nbsp;100 to your user's balance account. The DCC markup, after deducting Adyen's share, is then split between your user's balance account and your liable account based on the instructions you provided in your payment request.<\/p>\n<p>The markup is booked to your liable account and your user's balance account under the split type <span translate=\"no\"><strong>DCCMarkup<\/strong><\/span>. Currently, this split type is only visible on the reports and in the webhooks. It is currently unavailable in the <strong>Transfers<\/strong> page of your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>.<\/p>\n<h3 id=\"reports\">Financial reports and overviews<\/h3>\n<p>When you have enabled DCC and DCC reporting, you can find information about DCC transactions in the following financial reports and overviews in your <a href=\"https:\/\/ca-test.adyen.com\/\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Customer Area<\/a>:<\/p>\n<h4>Reports<\/h4>\n<ul>\n<li>The <a href=\"\/reporting\/received-payment-details-report\">Received payment details report<\/a> shows whether DCC is 'Accepted' or 'Declined'.<\/li>\n<li>The <a href=\"\/reporting\/settlement-reconciliation\/transaction-level\/settlement-details-report\">Settlement details report<\/a> includes the markup on the DCC transaction as a credit. To see the markup, you must first manually <a href=\"\/reporting\/settlement-reconciliation\/transaction-level\/settlement-details-report\/#configure-report-columns\">configure the <strong>DCC Markup<\/strong> column<\/a>.<\/li>\n<li>The <a href=\"\/reporting\/settlement-reconciliation\/batch-level\/aggregate-settlement-details-report\">Aggregate Settlement details report<\/a> includes all the markups on the DCC transaction as a credit on the store or the merchant account level. To see the markup, you must first manually <a href=\"\/reporting\/settlement-reconciliation\/batch-level\/aggregate-settlement-details-report\/#configure-report-columns\">configure the <strong>DCC Markup<\/strong> column<\/a>.\n<\/li>\n<li>The <a href=\"\/platforms\/reports-and-fees\/balance-platform-accounting-report\">Balance Platform Account Report<\/a> shows your platform's share of the DCC markup, booked to your liable account and your user's balance account under the split type <strong>DCCMarkup<\/strong>.\n<\/li>\n<\/ul>\n<h4>Overviews<\/h4>\n<ul>\n<li>The Payments list, available under <strong>Transactions<\/strong> &gt; <strong>Payments<\/strong>.<br \/>\nTo see whether DCC was applied to a transaction, select the columns <strong>DCC offered<\/strong> and <strong>DCC accepted<\/strong>.<\/li>\n<li>The <strong>DCC<\/strong> pane on the Payment Details page, available when you open a payment in the Payments list: the pane shows whether DCC was offered\/accepted, the base and transaction currency, and the applied exchange rate.<\/li>\n<li>The <a href=\"\/point-of-sale\/currency-conversion\/download-and-use-the-dcc-overview-file\/\">DCC Overview dashboard<\/a>, available under <strong>Reports<\/strong> &gt; <strong>Point of sale<\/strong> &gt; <strong>Dashboards<\/strong> &gt; <strong>Dynamic currency conversion<\/strong>. This shows DCC usage and acceptance across different geographies and retail locations, as well as earnings from DCC. This overview is intended for management or operations teams.<\/li>\n<\/ul>\n<h2>Availability<\/h2>\n<p>DCC is currently supported for a limited number of cards, currencies, and countries\/regions.<\/p>\n<h3>Supported cards<\/h3>\n<p>DCC is available for the following cards:<\/p>\n<ul>\n<li>Visa<\/li>\n<li>Mastercard<\/li>\n<li>Maestro<\/li>\n<li>VPay<\/li>\n<\/ul>\n<h3>Supported currencies<\/h3>\n<p>Adyen currently supports the following DCC currencies:<br \/>\nAED, ALL, ANG, AUD, BAM, BHD, BRL, CAD, CHF, CLP, CNY, COP, CZK, DKK, EEK, EGP, EUR, FJD, GBP, HKD, HRK, HUF, IDR, ILS, INR, ISK, JOD, JPY, KES, KRW, KWD, KZT, LKR, MAD, MXN, MYR, NGN, NOK, NZD, OMR, PEN, PHP, PKR, PLN, QAR, ROL, RON, SAR, SEK, SGD, SKK, THB, TRY, TWD, UAH, USD, UYU, UZS, VND, ZAR.<\/p>\n<div class=\"sc-notice info\"><div>\n<p>You can select a custom subset of currencies for DCC.<\/p>\n<\/div><\/div>\n<h3>Supported countries\/regions<\/h3>\n<p>DCC is available in almost all countries\/regions where Adyen has implemented a POS solution and supports Adyen for Platforms.<\/p>\n<div class=\"row\" style=\"align-items: flex-start;justify-content: center;\">\n<div class=\"col col-12 col-md-12\" style=\"background-color:transparent;;\"><table><thead><tr><th>Europe<\/th><th><\/th><\/tr><\/thead><tbody><\/tbody><\/table><div class=\"sc-columns\" style=\"columns:4 auto;-moz-columns:4 auto;column-gap:normal;-moz-column-gap:normal;\"><p>Austria<br>\nBelgium<br>\nBulgaria<br>\nCroatia<br>\nCyprus<br>\nCzech Republic<br>\nDenmark<br>\nEstonia<br>\nFinland<br>\nFrance<br>\nGermany<br>\nGreece<br>\nHungary<br>\nIreland<br>\nItaly<br>\nLatvia<br>\nLiechtenstein<br>\nLithuania<br>\nLuxembourg<br>\nMalta<br>\nNetherlands<br>\nNorway<br>\nPoland<br>\nPortugal<br>\nRomania<br>\nSlovakia<br>\nSlovenia<br>\nSpain<br>\nSweden<br>\nSwitzerland<br>\nUnited Kingdom (includes Guernsey and Isle of Man)<\/p><\/div><\/div><\/div>\n<div class=\"row\" style=\"align-items: flex-start;justify-content: center;\">\n<div class=\"col col-12 col-md-4\" style=\"background-color:transparent;;\"><table><thead><tr><th>North America<\/th><th><\/th><\/tr><\/thead><tbody><\/tbody><\/table><div class=\"sc-columns\" style=\"columns:1 auto;-moz-columns:1 auto;column-gap:normal;-moz-column-gap:normal;\"><p>Canada<br>\nUnited States (including<br>Puerto Rico)<\/p><\/div><\/div><div class=\"col col-12 col-md-8\" style=\"background-color:transparent;;\"><table><thead><tr><th>Asia Pacific<\/th><th><\/th><\/tr><\/thead><tbody><\/tbody><\/table><div class=\"sc-columns\" style=\"columns:1 auto;-moz-columns:1 auto;column-gap:normal;-moz-column-gap:normal;\"><p>Australia<br>\nHong Kong<br>\nNew Zealand<br>\nSingapore<\/p><\/div><\/div><\/div>\n<h2>See also<\/h2>\n<ul>\n<li><a href=\"\/platforms\/in-person-payments\">Process in-person payments<\/a><\/li>\n<li><a href=\"\/platforms\/in-person-payments\/split-transactions\">Split transactions between balance accounts<\/a><\/li>\n<\/ul>","url":"https:\/\/docs.adyen.com\/platforms\/in-person-payments\/dynamic-currency-conversion","articleFields":{"description":"Use Dynamic Currency Conversion to let your users' customers pay in their own currency.","feedback_component":true,"parameters":{"directoryPath":"\/platforms","model":"platform"},"filters_component":false,"last_edit_on":"03-05-2023 17:04"},"algolia":{"url":"https:\/\/docs.adyen.com\/platforms\/in-person-payments\/dynamic-currency-conversion","title":"Dynamic Currency Conversion (DCC)","content":"Limited availability\nDynamic Currency Conversion (DCC) for platforms is currently in pilot phase. Some of the processes and documentation may change as the feature evolves. If you are interested in piloting DCC or have any feedback, reach out to your Adyen contact.\n\nDynamic Currency Conversion (DCC) allows you to convert the currency of your users' transactions at the point of sale. DCC gives your users' international customers the option to either pay in the local currency or their home currency. Before payment, the terminal shows the customer the exchange rate and markup, so they can make an informed decision.\nWhen you offer DCC to your users' customers, you must comply with regulations, such as what is shown on receipts.\nRequirements\nIn addition to the general requirements for in-person payments with an Adyen for Platforms integration, take into account the following information.\n\n\n\nRequirement\nDescription\n\n\n\n\nIntegration type\nA Terminal API integration with payment terminals or with a Mobile solution. The standalone solution does not support adding split instructions to individual payment authorization requests.\n\n\nCustomer Area roles\nFor DCC reports and overviews, make sure you have the following role(s): Merchant view POS Payment Report Merchant POS Report role\n\n\nWebhooks\nSubscribe to standard webhooks if you want to use DCC for authorization adjustment. To get notified about status changes to the resulting payment, subscribe to the following webhooks: Transfer webhooks Transaction webhooks\n\n\nLimitations\nAvailability: DCC is available and certified for Visa, Mastercard, and Maestro.DCC is supported in specific currencies and countries\/regions.Feature support:It is not allowed to apply a surcharge and Dynamic Currency Conversion to the same transaction. DCC is not supported for offline POS transactions.If DCC is enabled for even one store in your platform, all standalone terminals automatically start supporting DCC, regardless of their linked store. This does not apply to terminals on version 1.120, or 1.122 and later.\n\n\nSetup steps\nBefore you begin: Reach out to your account manager to sign the DCC addendum with the agreed upon markup rate.Make sure you comply with card scheme regulations.\n\n\n\nHow it works\nAfter you have selected stores and enabled DCC:\n\n\nYour user initiates a payment like they usually do, and the customer presents their card to the payment terminal.\n\n\nThe terminal recognizes the currency that is used for billing the customer when they use their card.\n\n\nIf the customer's billing currency differs from the local currency, the terminal prompts the customer to choose between paying in the local currency or their own billing currency.\n\n\n\nIf the customer accepts DCC by choosing their own billing currency, foreign-exchange conversion is applied to the transaction. The Adyen-generated receipt includes information about the conversion. If the customer rejects DCC by choosing the local currency, the transaction continues in the local currency.\n\n\nComplying with regulations\nTo avoid fines and the loss of DCC privileges, it is important to comply with the disclosure and receipt requirements of the card schemes when choosing to offer DCC to your users\u2019 customers.\nAccording to card scheme regulations, the customer must be given the choice to accept DCC, or decline it and pay in the local currency. The customer must be made aware of the cost of the currency conversion, and it is not permitted to force a choice on the cardholder.\n\nRefer to Dynamic Currency Conversion - Rules &amp; Regulations for detailed guidance on card scheme requirements.\n\nDisclosure and receipt requirements\nThe Adyen DCC feature allows you to offer customers the choice to accept or decline DCC in a way that is fully compliant with card scheme regulations, with full disclosure of the exchange rate and markups. The customer can review DCC charges both on the payment terminal and on the Adyen-generated receipt.\nThe following illustrations show the information on a portrait, and landscape terminal display.\n\n\n\n\n\nOn the Adyen-generated receipt, the customer receives the same information, as well as a DCC acceptance statement (I have been offered a choice of currencies and have chosen to accept DCC and pay in {currency} at the exchange rate provided by Adyen n.v.).\n\n\n\nMerchant receipt\nShopper receipt\n\n\n\n\n\n\n\n\n\nIf you do not use Adyen-generated receipts\nTo remain compliant with card scheme regulations if your integration defines the content of the receipt, make sure that the receipt contains the following information:\n\nExchange rate\nSource of the exchange rate\nMarkup\nAmount in customer's billing currency\nAmount in local currency\nDCC acceptance statement\n\nTo find out more, contact your Account Manager or our\u00a0Support Team.\nIf you use authorization adjustment\nTo remain compliant with card scheme regulations if you use DCC with pre-authorization and authorization adjustment:\n\nMake sure that you have set up webhooks to receive updates and learn whether the final amount has been captured.\nAdd the details from the CAPTURE webhook to the receipt or invoice.\n\nDCC markup\nWhen a customer selects DCC at the payment terminal, they pay the current exchange rate plus an additional markup on the transaction. Adyen uses a revenue share model, where the revenue from the markup can be split between your platform, your user, and Adyen.\nAfter you deduct the portion of the markup that Adyen keeps, you can choose if and how to split the remaining markup amount between your platform and your user. For every payment that uses DCC, you must specify the percentage of the remaining markup that must be booked to your user's balance account. Adyen then books the rest of the markup amount to your liable balance account.\nWhen Adyen books a DCC markup amount to a balance account, we always use the split type DCCMarkup. All funds booked under this split type have the default settlement delay of the balance account.\nAccept a payment with DCC\nTo accept a payment using DCC, you must first:\n\nSelect the stores for which you want to enable DCC\nEnable DCC for your platform\n\nAfter you enable DCC for your platform, your users' customers can select DCC at the payment terminal. To split the DCC markup amount between your platform and your user, you can do one of the following:\n\n\nOption 1: Set up a split configuration profile with a rule to handle the DCC markup amount. For more information about this, see Create split configurations\n\n\nOption 2: Provide instructions to handle the DCC markup amount in each payment request. Instructions in your payment request override any instructions configured in the split configuration profile. To provide instructions in your payment request, you must:\n\nGather the split instructions\nFormat the split instructions\nMake a payment request\n\n\n\n1. Select stores\n\n\nIdentify the stores for which you want to enable DCC. If you choose to enable DCC for at least one store, all standalone terminals under your platform start supporting DCC, even if they are not linked to that store. This does not apply to terminals on version 1.120, or version 1.122 and later.\n\n\nCreate a CSV file specifying the following information:\n\nThe IDs of the stores for which to enable DCC.\nWhether or not that store processes the Maestro payment method.\n\n\n\n2. Enable DCC for your platform\n\n\nContact our\u00a0Support Team to:\n\nEnable and configure DCC to ensure it is offered in your stores.\nEnable DCC reporting for your merchant account(s). This ensures financial reports and dashboards include DCC details.\n(Optional) Enable DCC for pre-authorization and authorization adjustment.\n\nWhen you contact our support team, use the subject line Pilot DCC - [enable terminal], and include the CSV file you created in the step above.\n\n\nIn your Customer Area under Settings &gt; Payment methods make sure that the Configured currencies on your payment methods are set to ANY. The currency of payment methods is set by default and depends on the specific payment method type. If your implementation is different and you need to change the currency, contact our Support Team.\n\n\n3. Gather the split instructions\n\n\nGather the split instructions for the payment:\nAlways provide the split payment instructions in the settlement currency. This is the currency your user receives. For more information on how to gather split data, see Gather the split instructions.\n\n\nGather the split instructions for the DCC markup:\nThese instructions specify how to split the DCC markup amount between your platform and your user. You must gather the following data:\n\n\n\nField\nRequired\nDescription\n\n\n\n\nplatformDccLogic.targetAccount\n\nThe account to which your user's share of the DCC markup must be booked. Your platform's share of the DCC markup is always booked to your liable balance account.By default, we book the full markup amount, after deducting Adyen's share, to your liable balance account.\n\n\nplatformDccLogic.accountHolderPercentage\n\nThe percentage of the DCC markup that must be booked to your user, in basis points.By default, we book the full markup amount, after deducting Adyen's share, to your platform.\n\n\n\n\n\n4. Format the split instructions\nTo pass the split instructions for the payment and DCC markup in the SaleToAcquirerData field of your request, you must first format them. There are two ways to do this:\n\nOption 1: as a string of form-encoded key-value pairs (using &amp; as a separator).\nOption 2: as a JSON object converted to a Base64-encoded string.\n\nThe format you use in your request is the format that will be returned in the AdditionalResponse. To always receive the AdditionalResponse in a specific format, contact our Support Team.\nSelect the tab for the option you want to use.\n   \n\n    \n        \n        \n    \n\n\n\n\n5. Make a payment request\n\n\nMake a POST  PaymentRequest request. Pass the formatted string of split instructions in the SaleToAcquirerData field of the  SaleData object. For more information about Terminal API requests with split instructions, see Split payments at authorization.\nFor example, your user sells goods worth USD 620.00 to a customer, who wants to pay in their home currency of EUR.\n\nThe settlement currency is USD. This is the local currency.\nThe customer's home currency is EUR.\nThe payment amount must be split as follows:\n\nUSD 600.00 is booked to your user's balance account as payment for the goods or services.\nUSD 20.00 is booked to your liable balance account as your platform's commission.\nAll transaction fees are booked to your user's balance account.\n\nAfter deducting Adyen's share, the remaining DCC markup must be split as follows:\n\n30% of the markup must be booked to your user's balance account (BA00000000000000000000001)\n70% of the markup must be booked to your liable balance account (BA00000000000000000LIABLE)\n\n\nThe example request shows the split instructions as a string of concatenated key-value pairs, but note that specifying split instructions as a JSON object converted to a Base64-encoded string is supported too.\n\n\n\nThe payment request is routed to the terminal. The customer presents their card, chooses whether to pay in the local currency or their home currency, and verifies the payment. The payment is then sent to the Adyen payments platform for processing.\n\n\nIn the  PaymentResponse, note the Response.AdditionalResponse, which contains the details of the conversion, such as:\n\nThe currency that the payment is converted into.\nThe exchange rate.\nThe converted payment amount.\nThe DCC markup amount that is split between Adyen, your user, and your platform.\n\n\n\n\n\n\nReconciling payments\nEnabling DCC can have consequences for your (automated) reconciliation. For more information, contact your Account Manager or our Support Team.\nFunds are settled in your settlement currency. The amount that you start the transaction with (before DCC) will be paid to your user. For example, you start a transaction for USD&nbsp;100, and the customer accepts DCC for EUR&nbsp;90. Adyen settles USD&nbsp;100 to your user's balance account. The DCC markup, after deducting Adyen's share, is then split between your user's balance account and your liable account based on the instructions you provided in your payment request.\nThe markup is booked to your liable account and your user's balance account under the split type DCCMarkup. Currently, this split type is only visible on the reports and in the webhooks. It is currently unavailable in the Transfers page of your Customer Area.\nFinancial reports and overviews\nWhen you have enabled DCC and DCC reporting, you can find information about DCC transactions in the following financial reports and overviews in your Customer Area:\nReports\n\nThe Received payment details report shows whether DCC is 'Accepted' or 'Declined'.\nThe Settlement details report includes the markup on the DCC transaction as a credit. To see the markup, you must first manually configure the DCC Markup column.\nThe Aggregate Settlement details report includes all the markups on the DCC transaction as a credit on the store or the merchant account level. To see the markup, you must first manually configure the DCC Markup column.\n\nThe Balance Platform Account Report shows your platform's share of the DCC markup, booked to your liable account and your user's balance account under the split type DCCMarkup.\n\n\nOverviews\n\nThe Payments list, available under Transactions &gt; Payments.\nTo see whether DCC was applied to a transaction, select the columns DCC offered and DCC accepted.\nThe DCC pane on the Payment Details page, available when you open a payment in the Payments list: the pane shows whether DCC was offered\/accepted, the base and transaction currency, and the applied exchange rate.\nThe DCC Overview dashboard, available under Reports &gt; Point of sale &gt; Dashboards &gt; Dynamic currency conversion. This shows DCC usage and acceptance across different geographies and retail locations, as well as earnings from DCC. This overview is intended for management or operations teams.\n\nAvailability\nDCC is currently supported for a limited number of cards, currencies, and countries\/regions.\nSupported cards\nDCC is available for the following cards:\n\nVisa\nMastercard\nMaestro\nVPay\n\nSupported currencies\nAdyen currently supports the following DCC currencies:\nAED, ALL, ANG, AUD, BAM, BHD, BRL, CAD, CHF, CLP, CNY, COP, CZK, DKK, EEK, EGP, EUR, FJD, GBP, HKD, HRK, HUF, IDR, ILS, INR, ISK, JOD, JPY, KES, KRW, KWD, KZT, LKR, MAD, MXN, MYR, NGN, NOK, NZD, OMR, PEN, PHP, PKR, PLN, QAR, ROL, RON, SAR, SEK, SGD, SKK, THB, TRY, TWD, UAH, USD, UYU, UZS, VND, ZAR.\n\nYou can select a custom subset of currencies for DCC.\n\nSupported countries\/regions\nDCC is available in almost all countries\/regions where Adyen has implemented a POS solution and supports Adyen for Platforms.\n\nEuropeAustria\nBelgium\nBulgaria\nCroatia\nCyprus\nCzech Republic\nDenmark\nEstonia\nFinland\nFrance\nGermany\nGreece\nHungary\nIreland\nItaly\nLatvia\nLiechtenstein\nLithuania\nLuxembourg\nMalta\nNetherlands\nNorway\nPoland\nPortugal\nRomania\nSlovakia\nSlovenia\nSpain\nSweden\nSwitzerland\nUnited Kingdom (includes Guernsey and Isle of Man)\n\nNorth AmericaCanada\nUnited States (includingPuerto Rico)Asia PacificAustralia\nHong Kong\nNew Zealand\nSingapore\nSee also\n\nProcess in-person payments\nSplit transactions between balance accounts\n","type":"page","locale":"en","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Process in-person payments","lvl3":"Dynamic Currency Conversion (DCC)"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/","lvl1":"https:\/\/docs.adyen.com\/platforms","lvl2":"https:\/\/docs.adyen.com\/platforms\/in-person-payments","lvl3":"\/platforms\/in-person-payments\/dynamic-currency-conversion"},"levels":4,"category":"Platforms","category_color":"green","tags":["Dynamic","Currency","Conversion","(DCC)"]}}
