Australia
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\nSingapore<\/p><\/div><\/div><\/div>","url":"https:\/\/docs.adyen.com\/pt\/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\/pt\/platforms\/in-person-payments\/dynamic-currency-conversion","title":"Dynamic Currency Conversion (DCC)","content":"Dynamic Currency Conversion (DCC) allows you to convert the currency of your users' transactions at the point of sale. Enabling DCC gives your users' international customers the option to either pay in the local currency or their home currency. Before payment, the customer is presented with the exchange rate and markup on the payment terminal, allowing them to make an informed decision.\nWhen offering DCC to your users' customers, you must comply with regulations, including 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 that 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 that 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 & 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 commission for your platform\nWhen a customer opts to use DCC at the payment terminal, in addition to the current exchange rate, they pay an additional markup on the transaction. Adyen uses a revenue share model, where the revenue from the markup is split between your platform and Adyen. For more information about this, reach out to your Adyen contact.\nFor every payment that uses DCC, Adyen books your share of the markup to your liable balance account with the split type DCCPlatformCommission. All funds booked under this split type has the default settlement delay of your liable balance account.\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 > 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. Make a payment request\nTo process a payment that uses DCC:\n\n\nWhen you gather the split instructions for the payment:\n\nYou must provide the split payment instructions in the settlement currency. This is the currency your user receives.\nYou do not need to include a split item for DCC markup. We automatically book the markup to your liable balance account with the split type DCCPlatformCommission.\n\n\n\nMake a Terminal API payment request, passing the formatted string of split instructions in the SaleToAcquirerData field of the PaymentRequest object.\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\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 that the Response.AdditionalResponse contains the details of the conversion, such as:\n\nThe currency that the payment is converted into.\nThe exchange rate.\nThe converted payment amount.\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 100, and the customer accepts DCC for EUR 90. Adyen will settle USD 100 to your user's balance account, and your share of the markup to your liable balance account.\nThe markup is booked to your liable account under the split type DCCPlatformCommission. At the moment, 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 balance account under the split type DCCPlatformCommission.\n\n\nOverviews\n\nThe Payments list, available under Transactions > 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, available under Reports > 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.\nYou can download the DCC Overview as a CSV file.\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","type":"page","locale":"pt","boost":17,"hierarchy":{"lvl0":"Home","lvl1":"Platforms","lvl2":"Process in-person payments","lvl3":"Dynamic Currency Conversion (DCC)"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/platforms","lvl2":"https:\/\/docs.adyen.com\/pt\/platforms\/in-person-payments","lvl3":"\/pt\/platforms\/in-person-payments\/dynamic-currency-conversion"},"levels":4,"category":"Platforms","category_color":"green","tags":["Dynamic","Currency","Conversion","(DCC)"]}}
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