Dynamic Currency Conversion

Dynamic Currency Conversion (DCC) is a service that allows international customers to pay the purchase price in the local currency or their home currency. DCC is available for Worldline acceptance contracts with DCC expansion, via the Payment Page or the Transaction Interface flows. For this, the terminal used for making the payment request receives a base currency in which all transactions are settled. Via DCC, international customers are shown the purchase price in the base currency and the current exchange rate in their national currency. The customer can then decide the currency in which the payment is to be made. Saferpay automatically handles this step during the redirect.

Supported Payment Methods

The following payment methods do support DCC:

• Mastercard (only via Worldline Acquiring)

• Maestro (only via Worldline Acquiring)

• Visa/V PAY (only via Worldline Acquiring)

Example of the DCC Screen

(click to enlarge)

DCC Compliance

While DCC itself is performed automatically, the card schemes require that the merchant shares the DCC information with the payer, if DCC was performed. The merchant must share the following information:

• The original amount and currency

• The DCC amount and currency

• The exchange rate

• The markup rate

How to gather the DCC information via API

Besides the original transaction amount, which is set by the merchant beforehand, Saferpay does return all the DCC related information inside the DCC container, together with the rest of the transaction data, e.g. via the Payment Page Assert or Transaction Authorize.

Example of a DCC response

"Dcc": {
    "PayerAmount": {
      "Value": "352",
      "CurrencyCode": "JPY"
    },
    "Markup": "3%",
    "ExchangeRate": "1.234"
  }

Payer notification options

You, the merchant, have different options, when it comes to notifying the payer about DCC:

1. With the Payment Page, you can use its built-in payer notification system by filling out the Notification.PayerEmail parameter. This will send a notification e-mail to the specified address, containing all necessary data. Please note that this email is always sent, even if no DCC has been performed.

2. Alternatively to option #1, the parameter Notification.PayerDccReceiptEmail can be used (API Spec version 1.35 or higher is required). In this case, an email is only sent if DCC has been performed, containing only the necessary information for the DCC compliance. If both, Notification.PayerEmail and Notification.PayerDccReceiptEmail are used, Saferpay will use the latter, if DCC has been performed, if not, the former is used.

3. Alternatively, you can of course send your own email and use the data provided by the API (API Spec version 1.27 or higher is required), using the returned data, as described above.

4. If #1, #2, and #3 are no options to you, for instance if there were complications, or if you simply want to trigger the Saferpay notification again, you can also trigger the notification from the transaction details inside the Saferpay Backoffice.

DCC and Recurring Payments

Saferpay is also able to apply DCC automatically to recurring payments. However this is subject to the following requirements:

• DCC for recurring payments is only supported via the Referenced Transaction Method.

• DCC only applies if the user has chosen the DCC option for the initial payment.

• The user must have the option to opt out of DCC for subsequent transactions, either via their user-account on the merchant-system, or by contacting the merchant support. The customer must be made aware of this option from the beginning. So the user could choose DCC for the initial payment, but reject DCC for any recurring payment.

  Should the customer opt out of DCC, you must set the SuppressDcc parameter to true within the AuthorizeReferenced request for all further recurring payments.

Determining if DCC is active

You can access this information on a per TerminalId basis, by logging into the Saferpay Backoffice and checking the terminal configuration under Settings => Terminals.

Custom DCC selection screen.

If you want to, you can also build your own DCC selection screen by using our DCC Inquire Interface.