Dynamic Currency Conversion (DCC)

Dynamic Currency Conversion

Offer international shoppers clarity and convenience.

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Why enable Dynamic Currency Conversion?

With Dynamic Currency Conversion, your international cardholders can see how much they'll be spending in their home currency.

No additional processing costs for merchants

Over 40 different currencies accepted

Price clarity for international Visa and Mastercard cardholders

Up to 1% rebate for eligible DCC merchants1

End the confusion for all international shoppers

How it works

Step 1

YOUR CUSTOMER taps2, inserts or swipes their card to pay for their purchase.

Step 2

YOUR TERMINAL3 automatically detects an international Mastercard or Visa card.

Step 3

YOUR TERMINAL confirms if the currency is one of 40+ eligible for DCC.

Step 4

YOUR TERMINAL displays the amount in AUD and the cardholder's home currency.

Step 5

YOUR CUSTOMER chooses whether they wish to pay in their home currency.

Step 6

YOUR TRANSACTION is completed and you will receive this transaction in AUD.

What your customers will see

What your customer will see

Your customer can check the terminal screen to see the transaction amount in local currency as well as their home currency, inclusive of exchange rate and exchange rate markup.

Up to date exchange rates

Up to date exchange rates

Exchange rates are updated daily4 and displayed on the terminal screen and on the receipt for the customer.

Customer-friendly payments on three steps

Contact us

Contact us

about our Worldline Move 5000 terminal

Accept

Accept

your Merchant Services Agreement with ANZ Worldline Payment Solutions

Start

Start

processing DCC Transactions via your payment terminals

For card holders

If a transaction was processed on your card using Dynamic Currency Conversion (DCC) offered by ANZ Worldline Payment Solutions and you believe the exchange rate was less favourable compared to your card issuer’s exchange rate, you may be eligible for a chargeback.

To be entitled to a chargeback, the rate offered by yourcard  issuer (including conversion fees) on the same day and same card must have been more favourable than the exchange rate applied to the transaction you are disputing (being the transaction processed using DCC).

To initiate a chargeback, you will need to provide the following:

  1. Proof of DCC transaction: Receipt, transaction details, or statement showing the DCC usage.

  2. Transaction details: Date, amount, merchant’s name, and location.

  3. Card issuer’s conversion rate: Gather your issuer’s exchange rate on the same card on the same day and the same currency to compare with the rate applied to the DCC transaction.

  4. Description of the issue: DCC 

For chargeback procedures, consult your cardholder agreement and contact your issuer for specific guidelines and timelines. The charge- back process will follow your issuer’s terms and conditions, and they will determine the dispute outcome based on their investigation.

Frequently asked questions

  • DCC supports over 40 currencies. Click here for a full list of currencies.

  • DCC is supported by Visa and Mastercard.

  • You can accept DCC with our Worldline Move 5000 terminal.

  • You can access the product fact sheet here.

How can we help you?

Ready to get started?

Request a call back.

Contact us ›

Need more information?

Call us and we'll help find the right solution for your business.

Call 1300 366 988 ›

Need support?

We're available 24/7 to support your existing merchant facility.

Call 1800 039 025 ›

Important Information

  1. As defined in your contract with ANZ Worldline Payment Solutions
  2. Tap will only detect DCC on transactions over 200 AUD for Visa, and over 100 AUD for Mastercard.
  3. DCC only works on the Worldline Move 5000 payment terminal.
  4. DCC exchange rates are updated on all business days at 16:30pm Central European Time (CET).

ANZ Worldline Payment Solutions means Worldline Australia Pty Ltd ACN 645 073 034 (“Worldline”), a provider of merchant solutions. Worldline is not an authorised deposit taking institution (ADI) and entry into any agreement with Worldline is neither a deposit nor liability of Australia and New Zealand Banking Group Limited ACN 005 357 522 (“ANZ”) or any of its related bodies corporate (together “ANZ Group”). Neither ANZ nor any other member of the ANZ Group stands behind or guarantees Worldline.