User Guides

Dynamic Currency Conversion (DCC)

Dynamic Currency Conversion (DCC) is a service that enables international Visa® and MasterCard® cardholders in over 60 currencies the choice to pay the bill in their own currency rather than the currency of the country that they are visiting.

Welcome to Dynamic Currency Conversion (DCC)

  • Offer your international customers the ability to pay in their own currency.  The receipt will show the amount in your currency, the customer's home currency and the conversion rate.  
  • Customers will know exactly what they're paying for at the time of sale including all charges so that they'll see the same amount on their card statement when they get home. 

We will manage the entire conversion process for you: from direct treasury exchange rates and transaction processing to back-end reconciliation, settlement, funding, and support. 

Accepting DCC means the cardholder accepts today’s Elavon exchange rate, including commission and knows the final price at the time of purchase as it is displayed on the card machine and their receipt.

Declining DCC means the cardholder’s bank will convert the transaction at a later date using its exchange rate, plus commission and any other charges. The cardholder may not know this final amount until they see their statement.

  • How to use Dynamic Currency Conversion

Frequently Asked Questions

  • Dynamic Currency Conversion (DCC) is a service that enables international Visa® and MasterCard® cardholders in over 60 currencies the choice to pay the bill in their own currency rather than the currency of the country that they are visiting.

  • When you present your card at the till, the point-of-sale recognises automatically if your debit or credit card from Visa® or MasterCard® qualifies for DCC. You will then be asked whether you want to pay in your home currency. The terminal converts the local currency to your home currency. The transaction is processed as usual and your receipt displays both currencies as well as the exchange rate. No additional foreign exchange commission charges apply.

  • The receipt will show the amount in your currency, the customer's home currency and the conversion rate.  

  • Customers will know exactly what they're paying for at the time of sale including all charges so that they'll see the same amount on their card statement when they get home. 

  • We will manage the entire conversion process for you: from direct treasury exchange rates and transaction processing, to back-end reconciliation, settlement, funding, and support.  

  • You provide your international customers with an extra service as they can pay in their own home currency. In addition, you gain additional sales potential and even increase profitability as Elavon will rebate a share of the conversion rate to you. DCC doesn’t carry any additional activation fees or monthly minimums. Elavon’s DCC service is transparent and effortless as Elavon handles the entire DCC process from start to finish which means that you have a single point of contact for all your service needs. Furthermore you may reduce chargebacks and disputes as there are no more exchange rate surprises for your customers when they receive the credit card statement.

  • If you pay in a foreign currency, you will always have to pay exchange rates. DCC provides full disclosure of the exchange rate which allows you to assess the competitiveness of the rate at the point-of-sale; which is more information than credit card issuers provide. In addition, you benefit from Elavon’s Best Rate Guarantee. If you obtain a better exchange rate on another transaction on the same day from your card issuer, Elavon will refund the difference.

    • They know the final price in their own currency
    • They get today’s exchange rate locked in
    • There are no exchange rate surprises when their statement arrives
    • Their transaction is covered with the Elavon Best Rate program

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