Allow International Customers to Pay in Their Own Currency (DCC)

What is Dynamic Currency Conversion (DCC)?

Dynamic Currency Conversion (DCC) allows your international customers to choose whether they want to pay in their own currency or in your local currency when making a card payment at your business. The exchange rate is calculated at the time of the transaction, so customers know exactly how much they are paying in their home currency.

What are the benefits of using DCC

• Make your business more attractive to tourists, expats, and international visitors, by letting them pay in a currency they know.
• Provide customers with a transparent overview of service-cost and exchange rate in their own currency.
• Customers will see the exact amount they’ll be charged in real time, removing surprises on their statements and helping you reduce chargebacks.
• The service is completely free to you as a merchant - no extra fees.

Lower your Flatpay transaction fee with DCC

When a customer chooses to pay in their home currency using DCC, Flatpay shares 1% of the DCC markup value with you as a discount on your transaction fees. This discount is not a commission or separate payout. It is simply a reduction of your Flatpay transaction fee and is applied automatically in your payouts and shown transparently in your fee breakdown in the Payouts page on the Portal.

Things to note with DCC

As a merchant, you and your staff must remain neutral when the DCC choice appears.

• Never influence or encourage customers toward either currency option.
• When asked questions, provide balanced information without suggesting one choice is better.
• This neutrality is a compliance requirement under Flatpay's Terms & Conditions.

How does DCC work during a payment?

1. Start the payment as usual on your POS system or payment terminal.
2. If the customer's card is eligible for DCC, the customer will be offered to pay in local or home currency on the screen. 
3. After they've chosen, the customers enters PIN or signature.
4. If DCC was chosen, the printed receipt will contain additional information.

FAQ

Do I pay any extra fees as a merchant when a customer uses DCC?

No. Your normal Flatpay transaction fee applies, with no additional Flatpay transaction fee for DCC.
This does not mean conversion is free for the customer. Customers should review the exchange rate and any conversion charges displayed before choosing.

Am I allowed to suggest which option the customer should choose?

No. Merchants and staff must remain completely neutral when the DCC prompt appears. Customers must make their currency choice independently.

Where can I find payment details on DCC transactions?

You can find payment details of DCC on the Payouts page in the Portal. You can also see the applied exchange rate and full DCC transaction details.

How is the exchange rate determined?

The conversion rate is calculated at the time of the transaction and displayed before the customer chooses their currency.

Which cards support DCC?

DCC is available for eligible Visa and Mastercard payments. Not every international card payment qualifies.

Does DCC affect my accounting?

No, settlements are still received in your local currency as usual.

How can my customers see the local currency option on the DCC screen?

Your customers can choose to pay in local currency by scrolling on the terminal screen.
Where can I get help with DCC?
Contact Flatpay Customer Support for questions about DCC or a specific transaction.