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Dynamic Currency Conversion

Learn how shoppers can use Dynamic Currency Conversion to pay in their own currency.

Dynamic Currency Conversion (DCC) gives shoppers from abroad a choice to pay in the local currency or their own currency. Adyen's DCC feature is easy to configure, does not require an extra contract, and includes integrated reporting. However, there are regulations and disclosure requirements that you need to comply with.

Our DCC feature is available and certified for Visa, Mastercard, and Maestro.

We support currency conversion:

  • With all integrations and also with the standalone solution.
  • With all terminal models except the MX925.
  • In specific currencies and countries.
  • For contact chip transactions.
  • For contactless and NFC wallet transactions.

    With contactless transactions, DCC requires online PIN verification.

How it works

  1. You initiate a payment like you usually do, and the shopper presents their card to the payment terminal.

  2. The terminal recognizes the currency of the country where the shopper's card was issued.

  3. If the currency differs from the local currency, the terminal prompts the shopper to choose between paying in the local currency or their own currency.

  4. If the shopper accepts DCC by choosing their own currency, foreign-exchange conversion is applied to the transaction. The Adyen-generated receipt includes information about the conversion.
    If the shopper rejects DCC by choosing the local currency, the transaction continues in the local currency.

Enable DCC

Contact our Support Team to:

  • Enable and configure DCC to ensure it is offered in your stores.
  • Enable DCC reporting for your merchant account(s). This ensures financial reports and dashboards include DCC details.

Regulations

According to scheme regulations, the shopper must be given the choice to accept DCC, or decline it and pay in the local currency. The shopper must be made aware of the cost of the currency conversion and you are not permitted to force a choice on the cardholder.

When choosing to offer DCC to your customers, it is important to comply with the scheme’s disclosure and receipt requirements to avoid fines and the loss of DCC privileges. Refer to Dynamic Currency Conversion - Rules & Regulations for detailed guidance on scheme requirements.

Disclosure requirements

The Adyen DCC feature allows you to offer your shoppers the choice to accept or decline DCC in a way that is fully compliant with the scheme regulations, with full disclosure of the exchange rate and margins. The shopper can review DCC charges both on the payment terminal and on the Adyen-generated receipt.

The following illustrations show the information on a portrait, small portrait (e285p), and landscape terminal display.


On the Adyen-generated receipt, the shopper 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.).

Merchant receipt Shopper receipt

If your integration defines the content of the receipt, make sure the receipt contains the following information, to remain compliant with the card brand regulations:

  • Exchange rate.
  • Source of the exchange rate.
  • Markup.
  • Amount in shopper's currency.
  • Amount in local currency.
  • DCC acceptance statement.

To find out more, contact your Account Manager or our Support Team.

Supported currencies and countries

Adyen currently supports the following DCC currencies:
AED, AUD, BGN, BHD, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HUF, ISK, ILS, INR, JOD, JPY, KRW, KWD, MXN, MYR, NOK, NZD, OMR, PLN, QAR, RON, RUB, SAR, SEK, SGD, THB, TWD, USD, ZAR.

You can select a custom subset of currencies for DCC.

DCC is available in almost all countries where Adyen has implemented a POS solution:

Americas
Canada Mexico Puerto Rico United States of America

If you are based in Brazil, it is currently not possible to offer DCC.

APAC
Australia Hong Kong Japan Malaysia New Zealand Singapore
Europe
Austria Estonia Ireland Netherlands Spain
Belgium France Italy Norway Sweden
Bulgaria 1 Finland Latvia Poland Switzerland
Croatia Germany Lithuania Portugal United Kingdom
Cyprus Greece Luxembourg Romania
Czech Republic Hungary Liechtenstein Slovakia
Denmark Iceland 2 Malta Slovenia

1 Bulgaria: settlement in the local currency incurs an additional fee for foreign exchange.
2 Iceland: settlement in the local currency is not supported.

Middle-East
United Arab Emirates

Financial reports

When you have enabled DCC and DCC reporting, you can find information about DCC transactions in the following financial reports:

Funds are settled in your settlement currency. The amount that you start the transaction with (before DCC) will be paid to you. For example, you start a transaction for USD 100, and the shopper accepts DCC for EUR 90. Adyen will settle USD 100 (plus your share of the markup).

Enabling DCC can have consequences for your (automated) reconciliation. For more information, contact your Account Manager or our Support Team.

Dashboards

When you have enabled DCC and DCC reporting, the Customer Area has information about DCC in the following overviews:

  • Payments list, available under Transactions > Payments: to see whether DCC was applied to a transaction, select the columns DCC offered and DCC accepted.
  • Payment Details page, available when you open a payment in the Payments list: includes a DCC pane showing whether DCC was offered/accepted, the base and transaction currency, and the applied exchange rate.
  • DCC Overview, available under Reports > Dynamic currency conversion: a high-level dashboard showing DCC usage and acceptance across different geographies and retail locations, as well as earnings from DCC. It is intended for management or country/store operations teams.

Viewing and downloading the DCC Overview

To be able to work with the DCC Overview dashboard, you need to have the following user roles:

  • To view: Merchant view POS Payment Report.
  • To generate a CSV report: Merchant POS Report role.

To view or download the data from the DCC Overview dashboard as a CSV file:

  1. Log in to your live Customer Area.
  2. Go to Reports and select Dynamic currency conversion.
  3. In the dashboard, select the reporting period and other settings.
  4. To generate a report, select Download as CSV.

The DCC Overview CSV report contains the following columns:

Column Description
Date Date of the transactions.
Total Count Total count of transactions on the specified date.
Dcc Offered Count Total count of transactions where DCC was offered.
Dcc Accepted Count Total count of transactions where DCC was offered and accepted.
Issuer Country The country where the card was issued.
Issuer Currency The currency of the issuer country.
Merchant Margin Euro Amount The margin of the merchant in euros.
Merchant Margin Issuer Amount The margin of the merchant in the currency of the card issuer.
Merchant Margin Terminal Currency Amount The margin of the merchant in the settlement currency.
Terminal Country The country where the terminal was located.
Terminal Currency The currency of the terminal country.

To download a sample DCC Overview CSV file, click here.

See also