Dynamic Currency Conversion - DCC

Converge uses Elavon conversion tools to process Dynamic Currency Conversion (DCC) for merchants. The merchant is pricing in USD or CAD, but when the card is entered and is determined to be DCC eligible, Cardholder is then given a choice to pay with their currency (foreign); this agreed currency becomes the transaction currency, regardless of the merchant’s pricing currency. Cardholder accepts to pay with their local currency and the conversion rates associated with it:

  • Merchant price, sell, authorize, settle and is funded in one single currency (The merchant currency USD or CAD)

  • Cardholders are prompted for a choice to pay in their local currency (foreign)

The following transactions types are supported when processing DCC transactions:

Transaction Types Description
ccsale Credit Card Sale
ccauthonly Credit Card Auth Only
ccforce Credit Card Force

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  • The terminal must be set for DCC.
  • DCC supports MasterCard and Visa transactions only. Other card types will process as normal and will not trigger DCC processing.
  • The conversion triggers when the card is swiped or entered, and rates will be presented for any of the following currencies: US Dollar, Canadian Dollar, Pound Sterling, Australian Dollar, Euro, and Japanese Yen.

The process of dynamic currency is to retrieve the rates and pass the following DCC Transaction variables:

Field Name Req? Description
ssl_txn_currency_code Y The cardholder’s Billing Currency.
ssl_markup Y The Mark-up applied to the Reference Exchange Rate when calculating the Exchange Rate used to convert from the merchant’s Pricing Currency to the cardholder’s Billing Currency.
ssl_conversion_rate Y Exchange rates applied to the conversion of the transaction amount.
ssl_cardholder_amount Y The transaction amount in the cardholder’s Billing Currency

Transaction Flow

Using XML API

If you are using XML API to integrate to Converge, you must provide the choice to the cardholder to accept or decline the DCC service and display all relevant information to make an informed decision. The following steps outline the process of sending a DCC transaction with XML API:

  1. The website or POS application processes Sale, Auth Only, or force transaction and collects the payment information. Refer to the Credit Card Sale (ccsale), Credit Card Auth Only (ccauthonly), or Credit Card force (ccforce) sections for more information.

  2. Cardholder enters or swipes a Visa or MasterCard card at the checkout.

  3. Converge will determine if the card is a foreign card.

  4. Converge will return a decision response providing a transaction ID, rates, markup, and currency information.

  5. The website or POS application displays the option to the cardholder with the information returned by Converge

  6. The Cardholder makes a choice at the website or POS application:

    a. If the Cardholder opted to process in home currency, the website or POS application sends the Transaction ID for that transaction with DCC option value of Y.

    b. If the Cardholder opted to process in merchant currency, the website or POS application sends the Transaction ID for that transaction with DCC option value of N.

  7. Converge processes the transaction and returns a response to the website displaying the results with conversion rates and amounts agreed on.

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There is a 15-minute window given to allow the website or POS application to send the option.

Transaction Examples

Example 1: XML API ccsale

Send a ccsale request

<txn>
    <ssl_merchant_id>my_virtualmerchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_test_mode>false</ssl_test_mode>
    <ssl_transaction_type>ccsale</ssl_transaction_type>
    <ssl_card_number>0000000000000000</ssl_card_number>
    <ssl_exp_date>1219</ssl_exp_date>
    <ssl_amount>1.00</ssl_amount>
</txn>

Receive a DCC decision response

<txn>
    <id>ekU9j0L0iFO9m9FELAqK8E6</id>
    <ssl_txn_currency_code>EUR</ssl_txn_currency_code>
    <ssl_markup>3.25</ssl_markup>
    <ssl_conversion_rate>.76373</ssl_conversion_rate>
    <ssl_amount>1.00</ssl_amount>
    <ssl_cardholder_amount>0.76</ssl_cardholder_amount> <dccoption>
    <option label="Please charge my purchase in my home currency">Y</option>
    <option label="Do not charge me in my home currency. charge my purchase in US dollars">N</option>
    </dccoption>
</txn>

Cardholder accepts DCC and second request sent requesting card to be charged in foreign currency

<txn>
    <ID>ekU9j0L0iFO9m9FELAqK8E6</ID>
    <dccoption>Y</dccoption>
</txn>

Receive a final response and print receipt

<txn>
    <ssl_card_number>00********0000</ssl_card_number>
    <ssl_exp_date>1219</ssl_exp_date>
    <ssl_amount>1.00</ssl_amount>
    <ssl_cardholder_amount>0.76</ssl_cardholder_amount>
    <ssl_cardholder_currency>EUR</ssl_cardholder_currency>
    <ssl_conversion_rate>.76373</ssl_conversion_rate>
    <ssl_markup>3.25</ssl_markup>
    <ssl_invoice_number/>
    <ssl_result>0</ssl_result>
    <ssl_result_message>APPROVAL</ssl_result_message>
    <ssl_txn_id>101641221295DB876-F2A9-7B6A-B173-2737983B7693</ssl_txn_id>
    <ssl_approval_code>N05465</ssl_approval_code>
    <ssl_txn_time>01/20/2011 01:05:44 PM</ssl_txn_time>
</txn>

Cardholder declines DCC and second request sent requesting card to be charged in Developer currency

<txn>
    <ID>iQ4AezhcjmJznh3BYLZ0-W9</ID>
    <dccoption>N</dccoption>
</txn>

Receive a final response

<txn>
    <ssl_card_number>00********0000</ssl_card_number>
    <ssl_exp_date>1219</ssl_exp_date>
    <ssl_amount>1.00</ssl_amount>
    <ssl_result>0</ssl_result>
    <ssl_result_message>APPROVAL</ssl_result_message>
    <ssl_txn_id>101641221593ACBA6-BAFD-76B7-4948- B3DE68CFD0CC</ssl_txn_id>
    <ssl_approval_code>CMC142</ssl_approval_code>
    <ssl_account_balance>1.00</ssl_account_balance>
    <ssl_txn_time>01/20/2011 01:07:23 PM</ssl_txn_time>
</txn>

Send a ccsale with tip request

<txn>
    <ssl_merchant_id>my_virtualmerchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_test_mode>False</ssl_test_mode>
    <ssl_transaction_type>CCSALE</ssl_transaction_type>
    <ssl_amount>10.00</ssl_amount>
    <ssl_tip_amount>2.00</ssl_tip_amount>
    <ssl_track_data>%B00**********0000^ELAVONTEST/TESTCARD^1512901543213961456789123456789001?;00**********0000=151290154321396?</ssl_track_data>
</txn>

Receive a response showing Cardholder base, Tip and Total amounts after customer opted to pay in DCC

<txn>
    <ssl_approval_code>CVI045</ssl_approval_code>
    <ssl_cvv2_response/>
    <ssl_exp_date>1219</ssl_exp_date>
    <ssl_server/>
    <ssl_cardholder_amount>9.52</ssl_cardholder_amount>
    <ssl_result_message>APPROVAL</ssl_result_message>
    <ssl_markup>3.25</ssl_markup>
    <ssl_tip_amount>2.00</ssl_tip_amount>
    <ssl_base_amount>10.00</ssl_base_amount>
    <ssl_amount>12.00</ssl_amount>
    <ssl_txn_id>AA4843B-893BE162-0F1A-4DF5-9076- D93CB9421914</ssl_txn_id>
    <ssl_result>0</ssl_result>
    <ssl_card_number>00**********0000</ssl_card_number>
    <ssl_cardholder_tip_amount>1.59</ssl_cardholder_tip_amount>
    <ssl_cardholder_base_amount>7.94</ssl_cardholder_base_amount>
    <ssl_cardholder_currency>EUR</ssl_cardholder_currency>
    <ssl_txn_time>10/08/201211:57:25PM</ssl_txn_time>
    <ssl_conversion_rate>.79362</ssl_conversion_rate>
</txn>

Update tip in Cardholder amount (Cardholder leaves a tip on a DCC transaction)

<txn>
    <ssl_merchant_id>my_virtualmerchant_id</ssl_merchant_id>
    <ssl_user_id>my_user_id</ssl_user_id>
    <ssl_pin>my_pin</ssl_pin>
    <ssl_test_mode>False</ssl_test_mode>
    <ssl_transaction_type>CCUPDATETIP</ssl_transaction_type>
    <ssl_cardholder_tip_amount>3.00</ssl_cardholder_tip_amount>
    <ssl_txn_id>AA4843B-893BE162-0F1A-4DF5-9076- D93CB9421914</ssl_txn_id>
</txn>

Receive a final response

<txn>
    <ssl_result_message>SUCCESS</ssl_result_message>
    <ssl_tip_amount>3.78</ssl_tip_amount>
    <ssl_base_amount>10.00</ssl_base_amount>
    <ssl_amount>13.78</ssl_amount>
    <ssl_cardholder_tip_amount>3.00</ssl_cardholder_tip_amount>
    <ssl_cardholder_base_amount>7.94</ssl_cardholder_base_amount>
    <ssl_cardholder_amount>10.94</ssl_cardholder_amount>
    <ssl_cardholder_currency>EUR</ssl_cardholder_currency>
    <ssl_conversion_rate>.79362</ssl_conversion_rate>
    <ssl_txn_id>AA4843B-893BE162-0F1A-4DF5-9076- D93CB9421914</ssl_txn_id>
    <ssl_txn_time>10/08/201211:57:25PM</ssl_txn_time>
</txn>

Receipt Requirements

Receipt Requirements for VISA

All Environments (Face-to-Face, MOTO, eCommerce)

  • The price of the goods or services in the merchant’s home currency, accompanied by the currency symbol or code next to the amount.

  • The total price in the transaction currency accompanied by the words Transaction Currency and the currency symbol or code next to the amount.

  • The exchange rate used to convert the total price from the merchant’s home currency to the transaction currency.

  • Any mark-up or commission included in the exchange rate as an amount or a percentage. This information may be shown as a separate line item or in the disclosure verbiage on the transaction receipt.

  • An "I Accept" check box that indicates the cardholder’s acceptance of the currency conversion.

  • A statement in an area easily seen by the cardholder that states that DCC is offered by the merchant.

Receipt Requirements for MasterCard

All Environments (Face-to-Face, MOTO, eCommerce)

  • Pre-conversion currency and amount.

  • Conversion rate or method.

  • Post-conversion currency and amount.

  • A prescribed statement, “I have chosen not to use the MasterCard currency conversion method and I will have no recourse against MasterCard concerning currency conversion or its disclosure.”

Special Requirements for Internet, Cardholder Activated Terminals and ATMs

    • Screen messages at unattended point of sale Terminal must not require the cardholder to select Yes or No when choosing currency conversion. Indirect means, such as the colors red and green, must not be used to influence the cardholder’s choice.
  • At attended point of sale Terminal that require the cardholder to choose between Yes and No, the merchant must verbally explain the offer to the cardholder before presenting it on the point of sale <Terminal

Receipt Example
Merchant Copy Customer Copy
Header1
FRIENDLY TERMINAL XXXXXXXXXXXXXXXXXXXXX
Date: 11/04/2010 11:07:30 AM CREDIT CARD SALE
CARD DATA: **0002 S TRANSACTION CURRENCY: JPY CONVERSION RATE: 85.05321
CONVERSION MARKUP: 3.25% MERCHANT AMOUNT: $2.00 USD TRANSACTION AMOUNT: ¥170.00 JPY APPROVAL CD: N19586
CLERK ID: my_merchantid
RECORD #: 001
I HAVE BEEN OFFERED THE CHOICE OF CURRENCIES FOR PAYMENT INCLUDING THE MERCHANT'S LOCAL CURRENCY. MY DECISION TO ACCEPT CURRENCY CONVERSION ON THIS TRANSACTION IS FINAL. I ACCEPT THE RATE OF CONVERSION,(INCLUSIVE OF CONVERSION FEE 3.25%), FINAL AMOUNT, AND THAT THE FINAL SETTLED TRANSACTION CURRENCY IS {JPY}.
I UNDERSTAND THAT VISA HAS A CURRENCY CONVERSION PROCESS, AND THAT I HAVE CHOSEN NOT TO USE THE VISA CURRENCY CONVERSION PROCESS. CURRENCY CONVERSION IS CONDUCTED BY THE MERCHANT AND IS NOT ASSOCIATED WITH OR ENDORSED BY VISA.
I AGREE TO THE TRANSACTION RECEIPT INFORMATION BY MARKING THE ACCEPT BOX BELOW.
[ ] I ACCEPT
X____
JPY STANDARD VI
Trailer1
Merchant Copy
Header1
FRIENDLY TERMINAL XXXXXXXXXXXXXXXXXXXXX
Date: 11/04/2010 11:07:30 AM CREDIT CARD SALE
CARD DATA: **0002 S TRANSACTION CURRENCY: JPY CONVERSION RATE: 85.05321
CONVERSION MARKUP: 3.25% MERCHANT AMOUNT: $2.00 USD TRANSACTION AMOUNT: ¥170.00 JPY APPROVAL CD: N19586
CLERK ID: my_merchant_id
RECORD #: 001
I HAVE BEEN OFFERED THE CHOICE OF CURRENCIES FOR PAYMENT INCLUDING THE MERCHANT'S LOCAL CURRENCY. MY DECISION TO ACCEPT CURRENCY CONVERSION ON THIS TRANSACTION IS FINAL. I ACCEPT THE RATE OF CONVERSION,(INCLUSIVE OF CONVERSION FEE 3.25%), FINAL AMOUNT, AND THAT THE FINAL SETTLED TRANSACTION CURRENCY IS {JPY}.
I UNDERSTAND THAT VISA HAS A CURRENCY CONVERSION PROCESS, AND THAT I HAVE CHOSEN NOT TO USE THE VISA CURRENCY CONVERSION PROCESS. CURRENCY CONVERSION IS CONDUCTED BY THE MERCHANT AND IS NOT ASSOCIATED WITH OR ENDORSED BY VISA.
Trailer1
Customer Copy