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Elavon Financial Services DAC. Registered in Ireland – Number 418442.
Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
Elavon Financial Services DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
Elavon Financial Services DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
Elavon Financial Services DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

Elavon's Dynamic Currency Conversion (DCC) allows a cardholder to choose to have their transaction processed in their native currency vs the merchant's currency. This takes the heavy lifting off of our customers’ Property Management System (PMS) or Point of Sale (POS) system. 

Current DCC support is on Visa and MasterCard credit and signature capture debit cards only. If a transaction occurs with one of these cards, a DCC Eligibility and Rate Inquiry call must be performed to see if the card supports DCC. Once verification is performed that the card supports DCC, the cardholder must be prompted to opt-in for DCC before DCC can be completed. It is important for the PMS/POS system to retain the cardholder opt-in status.

In the lodging industry, an additional complexity occurs since the actual DCC rate for the transaction is the rate at the time of check-out, not check-in. Therefore, before any incremental transactions are performed, the DCC Eligibility and Rate Inquiry message should be performed to obtain the value of the incremental transaction in the foreign currency amount.

:::notice{title="note"}
Partial reversals from customers' PMS or POS are not supported for DCC transactions, authorization amounts above tolerance will be partially reversed at the Third Party Processor Host.
::: 

## Transaction Types

DCC transaction types are limited to the card present transactions listed below. All other transactions supported by your POS application based on the end user/merchant’s integration, industry and the chosen TPP Interface module. They are not required to follow the EMV protocol and are not referenced in this guide. 

:::notice{title="note"}
The transaction types listed below are Credit transaction types.
:::

**Authorization Only (Type 01)** 
  -  Credit only transaction type. It places a hold on the open-to-buy on a cardholder’s credit account. AVS and/or CVV requests can be performed. The transaction qualifier (Elavon Gateway API Field 0115) must equal 010.  

**Sale (Type 02)** 
-   Credit or debit supported transaction type. The transaction goes online. The funds are immediately withdrawn from a debit cardholder’s account. This is the recommended authorization transaction type for both credit and debit. 

**Prior Authorization (Type 07)** 
- Credit only transaction type. It changes an existing Auth Only (Type 01) to a Prior Auth (Type 07), so it can be settled. Prior Authorizations can be performed on Forced/Voice Auth Only (Type 01) transactions as well. 

**Return/Refund (Type 09)** 
- Credit or debit transaction type. Used to generate a refund or add money back to the cardholder’s account. This transaction can be online or offline depending on the processing network used. On the refund transaction, it is recommended to use the DCC currency, rate, and exponent stored from the original DCC Authorization or Sale. If this information is not available, a new DCC Inquiry (Type 46) can be performed to obtain current rate, exponent and amounts and then submit those values on the refund. 

**DCC Inquiry (Type 46)** 
-   Credit and online signature debit supported transaction type. If a card is DCC eligible, it returns the DCC converted amount and other DCC rate information, else it does not return any DCC data. 

**Full Reversals (Type 61)** 
-   Credit and debit supported transaction type. It reverses the Authorization (Type 01) or Sale (Type 02) for the full amount. This is not supported by all TPPs at this time, so you will need to check the integration guides. This transaction is attempted automatically with a Void Sale (11).

**Incremental Authorization (Type 75)** 
-   Used to secure additional authorization for an on-going, previously authorized transaction. Type 75 is limited to certain industries and card types. 

:::notice{title="note"}
Not all TPP interfaces follow the same rules, so it is important to check the Fusebox certified TPP integration to determine what transaction types are supported.
:::

## Function 

**Additional Eligibility Message**  

Initial Transaction is supported by: 
- Payment Application/Simplify
- PMS
- POS

Incremental Transaction is supported by:
- Payment Application/Simplify
- PMS

Prior Auth Completion Transaction is supported by: 
- Payment Application/Simplify
- PMS
- POS

**Additional/Repurposed Message Fields**  

DCC Indicator is supported by:
- Payment Application/Simplify
- PMS
- POS

**Cardholder Facing Modifications**  

Opt IN/OUT verbiage and Receipt Requirements are supported by:
- Payment Application/Simplify
- PMS
- POS

DCC Transactions

Alliance Offers

Data as a Service

Invitation to Apply

Accounts

Bank Holidays

Card Activation

Card Controls

Commercial Credit Cards

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards Balance Summary

Rewards Redemption Coming Soon

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Card as a Service API

Check Payables

Core Banking API

Corporate Account Information

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Disbursements via Zelle

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Instant payments

Investment Accounting

Money Movement API

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

Reference API

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Fusebox Overview

Getting Started

Transaction Flow

Transaction Sequencing

API Message Format

Settlements

Reconciliation

Transaction Types

Authorization Only (01)

Sale Transaction (02)

Prior-Authorized Sale (07)

Return (09)

Void Sale (11)

Batch Close (13)

Batch Create and Inquiry (14)

Void Return (17)

Transaction Inquiry (22)

Full Authorization Reversal (61)

Heartbeat (73)

Incremental Authorization (75)

Partial Authorization Reversal (76)

Concepts

Tokenization

Tokenization Introduction

Tokenization API Fields

Tokenization Scenarios

Example Transactions

Error Scenarios

Retail

Retail Scenarios

Retail API Fields

Retail Examples

Lodging

Lodging Transactions

Lodging API Fields

Lodging Examples

Credential on File Transactions

Best Practices

Software Conversions

Restaurant

Restaurant Transactions

Restaurant API Fields

Restaurant Examples

Restaurant Credential on File Transactions

Restaurant Receipts

MOTO and eCommerce

eCommerce Transactions

MOTO and eCommerce API Fields

Ecommerce Examples

Direct Marketing Examples

eCommerce Credential on File Transactions

EMV Transactions

Implementation Considerations

Certification

EMV API Fields

EMV Public Cap Keys, Parameters, and Reports

Sample Files

EMV Receipts

EMV Integration Samples

API Based Settlement

Settlement Transactions

API-Based Settlement API Fields

API-Based Settlement Examples

Check Payment

Check Transactions

Check API Fields

Check Payment Examples

DCC Transaction Flows

DCC API Fields

DCC Examples

DCC Receipt Requirements

DCC Certification Process

Gift and Stored Value Cards

Gift and Stored Value Card Transactions

Gift and Stored Value Card API Fields

Gift and Stored Value Card Examples

Online Debit Transactions

Online Debit API Fields

Online Debit Examples

Private Label Cards

Private Label Transactions

Private Label API Fields

Private Label Examples

Health Savings Account Cards

HSA Support

Fusebox and Simplify HSA Card Support

HSA Card API Fields

Puerto Rico

E4 Support

API Fields

EBT Transactions

IVU Transactions

Receipt Example