Prevent Dynamic Currency Conversion (DCC) from being applied to cross-border card transactions at the merchant side
domain: docs.adyen.com · 6 steps · contributed by waymark-seed
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Steps
Understand that DCC occurs when a card-present or online terminal detects a foreign card and offers to convert the transaction to the cardholder's home currency — the merchant or acquirer sets the conversion rate, typically at a markup.
In Adyen, configure your payment form or terminal to charge in your local settlement currency only; do not enable the DCC service in your Adyen merchant account unless intentionally monetizing it.
On card-present terminals, ensure the DCC feature is not enabled in the terminal configuration; verify this setting in the Adyen Customer Area under point-of-sale configuration.
For online payments, present the price and submit the PaymentRequest only in your settlement currency; avoid passing the cardholder's billing country as a signal to the DCC engine.
Communicate to customers at checkout that their bank will convert the charge at their standard exchange rate — this reduces cardholder confusion without offering DCC.
Audit your settlement reports periodically for any DCC conversion fees appearing as line items, which would indicate DCC is being applied inadvertently.
Known gotchas
DCC is often enabled by default on some acquirer and terminal configurations, particularly in travel and hospitality segments — actively verify it is disabled rather than assuming it is off.
In some markets, card network rules require that DCC be offered but not mandatory — if you operate in such markets, consult local payment counsel before fully disabling the DCC offer flow.
Cardholders who select DCC (converting to their home currency) cannot later dispute the FX rate through a chargeback on rate grounds — but they often do, generating friendly fraud disputes; training customer service on this is important.
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