Dynamic Currency Conversion

DCC link

Dynamic currency conversion (or DCC) is a service that enables the merchant to offer international cardholders to pay in their local currency (if supported by card issuer) without impacting the sales location. DCC is part of Worldlines standard offering and every integration is expected to have support for it.

How does it work? link

After a cardholder has read their card, the terminal will perform a lookup. If the card issuer is participating in the DCC program the terminal will display an offer to pay in the merchant’s currency or their cards local currency similar to the figure below.

The choice does not impact the merchant’s revenue as they will be paid the exact amount in their own currency but it offers tourists an easier way to see the exact amount with a competitive exchange rate and also eliminates any hidden fee’s for currency exchange by their card issuer. Which all together brings a higher customer conversion rate to the merchants business.

Implementation link

As long as you follow our receipt guidelines you will automatically support DCC. Make sure to see the section on word wrapping to adjust the disclaimer to your receipt width. The DCC interaction is almost entirely between cardholder and terminal but on the receipt there is DCC specific data that must be printed for compliance.

Example Receipt text

Exchange rate: 			1 SEK = 0,1006 EUR
Mark up on exchange rate 	%: 3,25
TRANSACTION CURRENCY 		EUR 205,45

Cardholder har been offered a choice of currencies.
Cardholder has made the final decision to 
pay in EUR instead of SEK. The exchange rate 
is based on DEMO BANK rate of 24 Jan 2024 
incl 3,25 percent international conversion margin.
This currency conversion service is provided
to the merchant by Worldline

The content of these fields are subject to change and it is therefor important that you use the receipt object in it’s entirety “as-is”.

Refunds link

When making refunds in a DCC eligible terminal, the terminal will perform a country lookup similar to when making a payment. If the card is participating in the DCC program a question will appear in the terminal asking if the original transaction was made using DCC.

If the original transaction was made using the DCC then the Refund should be as well.

There is currently no way to respond to this dialog over the API. You could present the operator with a dialog of your own pre-emptively and set the parameter dcc in /Refunds and /RefundsAsync accordingly to true/false but this is not recommended. Letting the terminal handle this automatically should result in the smoothest experience.

Testing DCC link

To simulate a DCC lookup you can use any of the following amounts, the amount should be the total amount of your Sale or Refund, do not change the currency in your request, in a production environment the merchants native currency will be used, and the offer will be automatic depending on the cardholders issuing country.

1208,00 will simulate a DCC offer in DKK
1978,00 will simulate a DCC offer in EUR
1578,00 will simulate a DCC offer in NOK
1752,00 will simulate a DCC offer in SEK

Note that the card you are using must have an issuing country different to your terminals sales location country. Contact integration support if you would like to change your sales location in case you do not have access to a card with a different issuer.

Sample DCC Receipt link

          Test Merchant           
          Streetname 2            
          12345 Stockholm         
         Tel.: 0840015400         
        ORG.NR: 5566215215        

TERMINAL:             238MKD8M9466
MERCHANT:     58142719 12341124231
DATE:2025-07-24         TIME:11:40
                                  
             PAYMENT              
             APPROVED             
                                  
AMOUNT                 SEK 1978.00
TOTAL                  SEK 1978.00
                                  
Exchange rate:  1 SEK = 0.1006 EUR
Markup on exchange rate %:    3.25
TRANSACTION CURRENCY           EUR
                            205.45
  Cardholder has been offered a   
 choice of currencies. Cardholder 
has made the final decision to pay
    in EUR instead of SEK. The    
 exchange rate is based on DUMMY  
  BANK rate of July 24 2025 incl  
    3,25 percent international    
 conversion margin. This currency 
conversion service is provided to 
    the merchant by Worldline.    
                                  
VISA CONTACTLESS                  
VISA DEBIT                        
PERSONAL CODE                     
************0043           PSN: 01
                                  
   WLN KA1 3 000 WLN 065 262163   
RECEIPT:000004    REF:308356275839
                                  
ATC:000E                          
AID:A0000000031010                
TVR:0000000000                    
TSI:0000                          
ARQC:541FE6BD2234F3DC             

  SAVE RECEIPT, CUSTOMER'S COPY