Euronet Documentation

POS Dynamic Currency

Conversion
Specifications

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Document Control

Release Modifications Completion Date Author

4.3 General updates to the Terminal Receipts and 10/29/2020 kopper
Screens section.
4.3 Updated the Attribute and Comments for DE-28 08/24/2017 kopper
throughout the Transaction Data Mapping
subsections.
4.3 Modified BIN Exception Table to Account Range 06/22/2012 molsen
Exception table; changed sample screens and
receipts to specify terminal exchange rate.
N/A Enhanced document to include additional details 04/20/12 molsen
for restaurant and lodging applications.
N/A Changed DCC Inquiry to a 0220/0230 for the 04/3/12 molsen
completion message processing to a pre-
authorization.

Updated diagrams and explanations to specify that

the DCC offer is to only be presented for a
completion message when the transaction is DCC
eligible and the DCC offer was declined during the
pre-authorization.

Added note in the DCC-Eligible Transaction Flow

to specify that normal transaction flow is to be used
when the DCC Inquiry fails (ie. times out).
N/A Updated field descriptions to be consistent with 03/02/12 molsen
other DCC interface documents; added note
regarding MasterCard waiver.
N/A Updated Customer Without Access to POS 2/24/12 molsen
Terminal section to specify that the DCC details
may be provided verbally.
Updated field description for pos. 59-73 of DE56:
DCC Information to specify DCC Transaction
Amount – Fee (was missing the minus sign)
Updated Screens and Receipts per request of DCC
team.
N/A Removed markup amount from sample receipts and 01/11/12 molsen
screens. DCCLR-55
N/A Revised title on Example 5 11/28/11 hgriffiths
N/A Updated to new template. No content changes 05/17/2011 kopper
were made.
N/A Added Sale/Debit diagram and description in the 04/27/11 Ngurses
DCC-Eligible Transaction Flow section. molsen
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POS Dynamic Currency Conversion Specifications Contents

Contents
Introduction ............................................................................................................ 1
Retail Transactions ....................................................................................................................................................................................... 1
Purchase/Sale Transaction – Cardholder Accepts DCC Offer ..................................................................................................... 3
Purchase/Sale Transaction – Cardholder Declines DCC Offer .................................................................................................... 3
Restaurant Transactions.............................................................................................................................................................................. 4
Tip Included .............................................................................................................................................................................................. 4
Restaurant with Tip Included– Cardholder Accepts DCC Offer............................................................................................ 6
Restaurant with Tip Included – Cardholder Declines DCC Offer ......................................................................................... 6
Tip Adjusted ............................................................................................................................................................................................. 7
Cardholder Has Access to POS Terminal .................................................................................................................................... 7
Cardholder Accepts DCC Offer ............................................................................................................................................ 10
Part 1 - Pre-Authorization ................................................................................................................................................... 10
Part 2 - Completion .............................................................................................................................................................. 10
Cardholder Declines DCC Offer ........................................................................................................................................... 11
Part 1- Pre-Authorization .................................................................................................................................................... 11
Part 2 - Completion .............................................................................................................................................................. 12
Dual Receipt – No Access to the POS Terminal...................................................................................................................... 12
Part 1 - Pre-Authorization........................................................................................................................................................ 15
Part 2 - Completion – Cardholder Accepts DCC Offer ................................................................................................... 15
Part 2 - Completion - Cardholder Declines DCC Offer................................................................................................... 16
Hotel/Lodging .............................................................................................................................................................................................. 17
DCC Offer at Check-In ....................................................................................................................................................................... 17
Cardholder Accepts DCC Offer at Check-In ........................................................................................................................... 19
Cardholder Declines DCC Offer During Check-In ................................................................................................................. 20
Check-In Without DCC Offer ........................................................................................................................................................... 20
Desk Check-Out ................................................................................................................................................................................... 20
Desk Check-Out with DCC Offer at Check-In ........................................................................................................................ 20
Completion when DCC Accepted During Check-In ......................................................................................................... 22
Completion when DCC Declined During Check-In........................................................................................................... 22
Cardholder Accepts DCC at Check-Out ........................................................................................................................ 22
Cardholder Declines DCC Offer at Check-Out ............................................................................................................ 23
Desk Check-Out without DCC Offer at Check-In.................................................................................................................. 23
Cardholder Accepts DCC at Check-Out .................................................................................................................................. 25
Cardholder Declines DCC Offer at Check-Out ...................................................................................................................... 25
Express Check-Out .............................................................................................................................................................................. 26
Completion when DCC Accepted During Check-In ............................................................................................................... 28
Completion when DCC Declined During Check-In ................................................................................................................ 28
Lodging Exceptions ............................................................................................................................................................................... 29
DCC Cancellation ........................................................................................................................................................................... 29
Different Card at Check Out ........................................................................................................................................................ 29
Card No Longer Eligible................................................................................................................................................................. 30
Cardholder without Access to POS Terminal ..................................................................................................................................... 30
Returns ......................................................................................................................................................................................................... 30
Void of DCC Accepted Transaction ...................................................................................................................................................... 31
Reversal of DCC Accepted Transaction ............................................................................................................................................... 32
Timeout of DCC Inquiry .......................................................................................................................................................................... 32
Batch Settlement......................................................................................................................................................................................... 32

DCC Eligible Transaction Flow ........................................................................... 33

Pre-Authorization/Completion ................................................................................................................................................................ 33
Sale/Debit ..................................................................................................................................................................................................... 35

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Contents POS Dynamic Currency Conversion Specifications

Transaction Data Mapping .................................................................................. 36

DCC Inquiry Request and Response (0200/0210) and (0220/0230) ............................................................................................... 37
Pre-authorization DCC Request and Response (0100/0110) ........................................................................................................... 38
Sale/Debit DCC Request and Response (0200/0210) ........................................................................................................................ 39
Sale Completion DCC Request and Response (0220/0230) ............................................................................................................. 39
Void DCC Request and Response (0200/0210) .................................................................................................................................. 40
DCC Reversal Request and Response (0400/0410) ........................................................................................................................... 40
DCC Return Request and Response (0220/0230) .............................................................................................................................. 40
Balance Update Message (0320/0330).................................................................................................................................................... 41

Dynamic Currency Conversion Data Element Mapping (DE56)..................... 41

DCC Account Range Exclusion Download File ................................................. 43
Terminal Screens and Receipts........................................................................... 43
Mastercard ................................................................................................................................................................................................... 44
Mastercard Tip Receipts ...................................................................................................................................................................... 47
Visa ................................................................................................................................................................................................................ 49
Visa Tip Receipts ................................................................................................................................................................................... 51
No Longer Eligible for DCC Receipt ..................................................................................................................................................... 52

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POS Dynamic Currency Conversion Specifications

POS Dynamic Currency Conversion

Specifications
Introduction
Dynamic Currency Conversion (DCC) is a financial service in which cardholders have the cost of a transaction
converted to their account currency when performing a transaction in a foreign currency. This allows cardholders
to know exactly how much the purchase will cost them in a currency that is familiar to them.

The Host will provide an Account Range exclusion table that is updated on a regular basis. This file is to be
downloaded to the POS devices at an interval determined by the acquiring institution. The Account Range
Exclusion table will be used by the POS terminal to determine if the card is excluded from DCC processing
without having to go to the Host.

When the transaction request is received by the Host, eligibility verification must be performed to determine if the
transaction satisfies the criteria for DCC processing and then determine the rate that is to be used so that the
converted amount can be presented to the cardholder for acceptance.

This document provides the details of the message modifications to be used from the POS terminal when Dynamic
Currency Conversion is supported and is intended to be an addendum to the specification used for normal POS
transactions.

Details are provided for the following POS transaction messages:

• 0200/0210 DCC Inquiry

• 0220/0230 DCC Inquiry
• 0100/0110 Pre-authorization
• 0220/0230 Completion
• 0200/0210 Sale/Debit
• 0200/0210 Void
• 0220/0230 Return
• 0400/0410 Reversal

The remainder of this section provides an overview of the possible scenarios at the POS terminal that supports
DCC processing for retail, restaurant, and lodging applications. Details of the modifications to the message
specifications are provided in the Transaction Data Mapping and Dynamic Currency Conversion Data Element
Mapping (DE 56) sections. Sample DCC receipts and screens are provided in the last section, Terminal Screens
and Receipts.

Note: 0200/0210 messages may be substituted for 0220/0230 message if authorizations are not supported in the system.

Retail Transactions
The following diagrams illustrate an overview of the processing that occurs when DCC processing is available at
the POS terminal at a retail merchant. This flow will occur for both Mag-stripe and EMV cards. If the cardholder
does not have access to the POS terminal, the DCC offer must be provided verbally. The following diagram
provides an overview of the DCC processing for retail applications:

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 POS Dynamic Currency Conversion Specifications

DCC with Retail Application

Purchase / Sale Transaction
POS Device Host Notes

Clerk starts transaction by

entering the sale amount
and swiping the card.

Is card in This should look like a normal transaction

Account No 0200 except for DE03, Processing Code, of
Exclusion DCC Inquiry. 890000. DE04 should contain the sale/
Yes Table?
purchase amount in the local currency.

Receives Reply and

stores DE28 and
The 0210 response will contain DE56, DCC
DE56, DCC Data. Data. DE 28 will also be included if DCC
eligible.

If DE56-DCC Eligibility is equal to “EG” the

DCC Eligible?
Eligible transaction is DCC Eligible.

Present DCC Offer

and get response. The DCC offer will be presented on the POS
Store response in terminal.
Not Eligible DE56, DCC Data.

Did cardholder
No
accept?
Capture cardholder’s choice

PIN and EMV

Yes processing
If DE56-DCC occur here.
Eligibility is “EG”,
update DE56, DCC If the cardholder chose to accept the DCC
Update cardholder
Data with
cardholder choice.
choice in DE56, offer, update DE56-Calculation Accepted
DCC Data with “Y” otherwise update field with “N”.
Otherwise DE56
will not be
returned.
Send transaction Host processes Send transaction to host and include DE28
for purchase with transaction and
and updated DE56, DCC data, if DCC eligible
DE28 and updated echoes DE28 an
DE56, DCC Data, if DE56 if cardholder transaction. DE04 should contain the sale/
DCC eligible. chose DCC. purchase amount in th elocal currency.

Use DE56-Calculation Accepted, to get

Had cardholder
accepted DCC?
cardholder’s previous choice. If DE56 is
No Yes not present, the choice was no.

Normal transaction
Transaction
completion Normal transaction completion process
completion process
processing and
receipt.
but with special will occur except for receipt. If the
DCC requirements cardholder accepted the DCC offer, special
on receipt.
text must be printed on the receipt.

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POS Dynamic Currency Conversion Specifications

Purchase/Sale Transaction – Cardholder Accepts DCC Offer

SWIPE/INSERT
TRANSACTION
CARD ENTER SALE DCC OFFER PIN ENTRY TRANSACTION
DCC Calculation ACCEPT IN PROCESS
TO INITIATE AMOUNT ON SCREEN Generate EMV Data APPROVAL
TRANSACTION
DCC
DCC
Receipt
Receipt
0200/0210 0200
DCC Transaction Request with
Inquiry DCC Acceptance in DE56 0210
Transaction Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information and sale amount that is to be processed. The card number is compared
to the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for DCC processing.
If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC Eligibility flag.
DE28 and the DCC calculated amount in the cardholder currency are also included when the transaction is DCC
eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount (in the cardholder currency) and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
accepts the DCC offer.

The terminal echoes DE28 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of “Y”, in
the 0200 transaction request that is sent to the Host. The transaction request is forwarded by the Host to the
applicable card association for authorization processing by the issuer. When the response is received from the
card association, the Host includes DE28 and DE56 in the 0210 reply message to the terminal.

The POS DCC receipt is printed.

Purchase/Sale Transaction – Cardholder Declines DCC Offer

SWIPE/INSERT
CARD ENTER SALE DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
DCC Calculation Decline
TO INITIATE AMOUNT ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
Non-DCC
Non-DCC
Receipt
Receipt
0200/0210 0200
DCC Transaction Request with 0210
Inquiry DCC Decline in DE56 Transaction Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information and sale amount that is to be processed. The card number is compared
to the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for DCC processing.
If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC Eligibility flag.

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 POS Dynamic Currency Conversion Specifications

DE28 and the DCC calculated amount in the cardholder currency are also included when the transaction is DCC
eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount (in the cardholder currency) and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
declines the DCC offer.

The terminal echoes DE28 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of “N”, in
the 0200 transaction request that is sent to the Host. The transaction request is forwarded by the Host to the
applicable card association for authorization processing by the issuer. The Host replies to the terminal with a
0210 message that does not include DE28 or DE56 from the request when the response is received from the card
association.

A normal, non-DCC, POS receipt is printed.

Restaurant Transactions
Two models are available for DCC processing at a restaurant:

• Tip Included
In this model the tip is known prior to the transaction request and is included in the transaction.

• Tip Adjusted
In this model, the tip is not known prior to the transaction request. Two scenarios are possible with this
model:

 Access to POS Terminal

The cardholder is presented the DCC offer prior to the pre-authorization. In this scenario the pre-
authorization is performed indicating the DCC offer was accepted or denied. The tip is made in the
cardholder currency when the DCC offer is accepted; otherwise the tip is made in the local currency.

 No Access to POS Terminal

With this scenario, the pre-authorization is submitted in the local currency and two receipts are printed:
a DCC receipt and a non-DCC Receipt. The cardholder accepts or declines the DCC offer based on the
receipt that is signed. The tip is made in the currency of the receipt that is signed.

Tip Included
This section provides an explanation of the processing that occurs when DCC processing is available at the POS
terminal when the tip is known prior to submitting the transaction. This flow will occur for both Mag-stripe and
EMV cards. If the cardholder does not have access to the POS terminal, the DCC offer must be provided verbally.

The following diagram illustrates the overall processing that occurs when DCC processing is available that the POS
terminal when the tip is known prior to submitting the transaction.

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POS Dynamic Currency Conversion Specifications

DCC with Restaurant Application

Tip Included with terminal access
POS Device Host Notes

Waitstaff starts transaction

by entering amounts
(purchase + tip) and
swiping the card.

This should look like a normal transaction

Is card in except for DE03, Processing Code, of
No 0200
account DCC Inquiry.
890000. DE04 should contain the total
Yes
exclusion table? amount and DE54 should contain the tip
amount.

Receives Reply and

stores DE28 and
The 0210 response will contain DE56, DCC
DE56, DCC Data. Data. DE28 will also be included if DCC
eligible.

If DE56-DCC Eligibility is equal to “EG” the

DCC Eligible?
Eligible transaction is DCC Eligible.

Present DCC Offer

and get response. The DCC offer will be displayed on the POS
Store response in terminal screen
Not Eligible DE56, DCC Data.

Did cardholder
No
accept?
Capture consumer’s choice

PIN and EMV

Yes processing
If DE56-DCC occur here.
Eligibility is “EG”,
update DE56, DCC If the cardholder chooses to accept the DCC
Update cardholder
Data with
cardholder choice.
choice in DE56, offer, update DE56-Calculation Accepted
DCC Data. with “Y” otherwise update field with “N”.
Otherwise DE56
will not be
returned.
Send transaction Host processes
for purchase with transaction and Send transaction to host and include DE28
DE28 and updated echoes DE28 & and updated DE56, DCC data, when
DE56, DCC Data, if DE56 if cardholder transaction is DCC eligible.
DCC eligible chooses DCC

Use DE56-Calculation Accepted, to get

Had cardholder
accepted DCC?
cardholder’s previous choice. If DE56 is
No Yes not present, the choice was no.

Normal transaction
Transaction
completion Normal transaction completion process
completion process
processing and
receipt.
but with special will occur except for receipt. If the
DCC requirements cardholder accepted the DCC offer, special
on receipt.
text must be printed on the receipt.

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 POS Dynamic Currency Conversion Specifications

Restaurant with Tip Included– Cardholder Accepts DCC Offer

SWIPE/INSERT
CARD AMOUNT DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
TIP ENTRY DCC Calculation ACCEPT
TO INITIATE ENTRY ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
DCC
DCC
Receipt
Receipt
0200/0210 0200
DCC Inquiry Transaction Request with
0210
DCC Acceptance in DE56
Transaction Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information and sale amount, including the tip, to be processed. The card number is
compared to the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for DCC
processing. If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The full amount is placed in DE04 and the tip amount in DE54. The Host replies with a 0210
message that includes DE56 that contains the DCC Eligibility flag. DE28 and the DCC calculated amount in the
cardholder currency are also included when the transaction is DCC eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount, in the cardholder currency, and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
accepts the DCC offer.

The terminal echoes DE28 from the DCC Inquiry, and updates DE56–Calculation Accepted to a value of “Y”, in
the 0200 transaction request that is sent to the Host. The transaction request is forwarded by the Host to the
applicable card association for authorization processing by the issuer. When the response is received from the
card association, the Host includes DE28 and DE56 in the 0210 reply message to the terminal.

The POS DCC receipt is printed.

Restaurant with Tip Included – Cardholder Declines DCC Offer

SWIPE/INSERT
CARD AMOUNT DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
TIP ENTRY DCC Calculation DECLINE
TO INITIATE ENTRY ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
Non-DCC
Non-DCC
Receipt
Receipt
0200
0200/0210
Transaction Request with
DCC Inquiry
DCC Decline in DE56 0210
Transaction Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information and sale amount, including the tip, to be processed. The card number is
compared to the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for DCC
processing. If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The full amount is placed in DE04 and the tip amount in DE54. The Host replies with a 0210
message that includes DE56 that contains the DCC Eligibility flag. DE28 and the DCC calculated amount in the
cardholder currency are also included when the transaction is DCC eligible.

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POS Dynamic Currency Conversion Specifications

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount, in the cardholder currency, and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
declines the DCC offer.

The terminal echoes DE28 from the DCC Inquiry, and updates DE56–Calculation Accepted to a value of “N”, in
the 0200 transaction request that is sent to the Host. The transaction request is forwarded by the Host to the
applicable card association for authorization processing by the issuer. The Host replies to the terminal with a
0210 message that does not include DE28 or DE56 from the request when the response is received from the card
association.

A normal, non-DCC, POS receipt is printed.

Tip Adjusted
This section provides an explanation of the processing that occurs when DCC processing is available at the POS
terminal at a restaurant when the tip is not known prior to submitting the transaction. Two models exist for tip
adjusted applications; cardholder has access to the POS terminal and dual receipt where the cardholder does not
have access to the POS terminal. The flows described below will occur for both Mag-stripe and EMV cards.

Cardholder Has Access to POS Terminal

In this model, the cardholder has access to the POS Terminal which provides the ability to present the DCC offer
to the cardholder prior to submitting the pre-authorization request for the transaction. However, the tip is not
known at the time of the DCC offer.

The following diagrams illustrate the overall processing that occurs when the tip is not known prior to submitting
the transaction and the cardholder has access to the POS terminal. The first diagram illustrates the first part of
the process, the pre-authorization, and the second diagram illustrates the completion once the tip is known.

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 POS Dynamic Currency Conversion Specifications

DCC with Restaurant Application

Tip Adjusted with Terminal Access – Part 1
POS Device Host Notes

Waitstaff starts
transaction by entering
purchase amount and
swipes card

0200
This should look like a normal transaction
Is card in account
exclusion table?
No
DCC Inquiry except for DE03, Processing Code, of
Yes 890000. DE04 should contain the purchase
amount.

Receives Reply and

stores DE28 and DE56,
The 0210 response will contain DE56, DCC
DCC Data Data. DE28 will also be included if DCC
eligible.

If DE56-DCC Eligibility is equal to “EG” the

DCC Eligible? transaction is DCC Eligible.
Eligible

Present DCC Offer and

get response. Store
response in DE56, DCC
The DCC offer will be displayed on the POS
Data terminal screen.
Not Eligible

Did cardholder
No
accept? Capture cardholder’s choice

Yes

If DCC Eligibility is EG, Update transaction If the cardholder chooses to accept the DCC
update DE56, DCC Data amount, currency and
with cardholder cardholder choice in offer, update DE56-Calculation Accepted
choice. DE56, DCC Data with “Y” otherwise update field with “N”.

Send transaction for Send transaction to host and include DE28

purchase with DE28
and DE56, DCC Data, if
Normal processing and
update DE56, DCC Data
and updated DE56, DCC data, if DCC eligible
DCC eligible transaction.

Terminal receives Use DE56-Calculation Accepted, to get

response and prints cardholder’s previous choice. If DE56 is
receipt for cardholder
not present, the choice was no.

Did cardholder
Opt-In? Yes
No
Normal transaction processing will occur
Prints a normal
Prints a DCC receipt
for the cardholder
except for receipt. If the cardholder
receipt for
cardholder to sign
to sign and add the accepted the DCC offer, special text must be
tip amount. Tip will
and add the tip
be in cardholder's printed on the receipt.
amount
currency

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POS Dynamic Currency Conversion Specifications

DCC with Restaurant Application

Tip Adjusted with Terminal Access – Part 2
POS Device Host Notes

Waitstaff takes the

DCC receipt with
tip added to POS
device and selects
This flow is for DCC transactions only. Non-
the adjust DCC transactions follow their normal process
transaction option
and enters
information to find
the transaction.

Once the The tip amount will be entered in the

transaction is cardholder currency
found they enter
the tip amount into
the terminal.
The terminal application will use the
Display Rate field in DE56 to calculate the
values to be placed in DE04, DE54 and
DE56.
o Set the value of DE54 by dividing the
DE04 and DE54 are tip amount entered by the DE56-
updated with amounts
display rate.
in the local currency.
DE56 is updated with o Set the value of DE04 by adding the
amounts in the value of DE54, above, to previous
cardholder currency. value of DE04.
o Set the value of DE56-DCC Actual
Transaction Amount by adding the tip
amount entered to DE56-DCC
Sends 0220 Transaction Amount field value.
adjustment Host processes the
transaction transaction and o Set the value of DE56-Converted
including DE56, echoes DE56 back. Amount to Base Currency with the
DCC Data. updated DE04 value.

The terminal will

process the
response normally
which might
include updating
batch and tip totals.
The amounts will
be updated using
values from DE04
and DE54 which
are in the local
currency.

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 POS Dynamic Currency Conversion Specifications

Cardholder Accepts DCC Offer

The DCC offer is performed during the first part of the transaction for the pre-tip amount. A completion
transaction is then performed for the full amount.

Part 1 - Pre-Authorization
SWIPE/INSERT
CARD ENTER SALE DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
DCC Calculation ACCEPT
TO INITIATE AMOUNT ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
DCC
DCC
Receipt
Receipt
0200/0210
DCC 0100 Pre-Authorization Request with
Inquiry DCC Acceptance in DE56 0110
Transaction Reply

EURONET EURONET
Pre-Auth
ITM Switch ITM Switch

The terminal obtains the card information and sale amount, excluding the tip, to be processed. The card number
is compared to the DCC Account Range Exclusion table at the terminal is to determine if the card is eligible for
DCC processing. If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC Eligibility flag.
DE28 and the DCC calculated amount in the cardholder currency are also included when the transaction is DCC
eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount (in the cardholder currency) and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
accepts the DCC offer.

The terminal echoes DE28 from the DCC Inquiry, and updates DE56–Calculation Accepted to a value of “Y”, in
the pre-authorization request (0100 message) that is sent to the Host. The Host forwards the pre-authorization
request to the applicable card association for authorization processing by the issuer. The Host sends the reply
(0110 message) to the terminal after the response is received from the card association. The reply includes DE28
and DE56 from the request.

The POS DCC receipt is printed where the cardholder is able to enter their tip in the cardholder currency and
calculate the final sale amount.

Part 2 - Completion
The completion is performed in the cardholder currency for the sale amount plus tip.

Locate the original Enter the Tip

Calculate
transaction in the Amount in the TRANSACTION TRANSACTION
Amounts to be
terminal that is to cardholder IN PROCESS APPROVAL
Updated
be adjusted currency

0220 Request with

DCC Acceptance in DE56
0230 Reply

Financial EURONET
Transaction
Authorization ITM Switch

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POS Dynamic Currency Conversion Specifications

The original transaction is located in the POS terminal that is to be adjusted to include the tip amount. The tip
amount is entered in the cardholder (DCC) currency.

The terminal application analyzes the original transaction to determine if the cardholder accepted the DCC offer.
If DE56 is present for the transaction, the value of DE56-Calculation Accepted is analyzed. A value of “Y” specifies
the DCC offer was accepted.

The terminal application uses the DE56-Display Rate from the transaction to calculate the values to be updated.
DE04 and DE54 are updated with amounts in the local currency. DE56 is updated with amounts in the Cardholder
currency.

Data Element Calculation

54 Tip Amount divided by DE56-Display Rate

04 Add converted tip amount to original transaction amount. New DE54 +

Original DE04
DE56-DCC Actual Transaction Amount Add the entered tip amount to DE56-DCC Transaction Amount

DE56-Converted Amount to Base Currency Set this value to the updated value of DE04

The 0220 completion request is submitted to the Host, echoing DE28 from the original transaction and updated
DE56. The completion request is forwarded by the Host to the applicable card association for authorization
processing by the issuer. When the response is received from the card association, the Host includes DE28 and
DE56 in the 0230 reply message to the terminal.

Cardholder Declines DCC Offer

The DCC offer is performed during the pre-authorization for the pre-tip amount. A completion transaction is
then performed for the full amount.

Part 1- Pre-Authorization
SWIPE/INSERT
CARD ENTER SALE DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
DCC Calculation DECLINE
TO INITIATE AMOUNT ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
Non-DCC
Non-DCC
Receipt
Receipt
0200/0210
DCC 0100 Pre-Authorization Request with
Inquiry DCC Decline in DE56 0110
Transaction Reply

EURONET EURONET
Pre-Auth
ITM Switch ITM Switch

The terminal obtains the card information and sale amount, excluding the tip, to be processed. The card number
is compared to the DCC Account Range Exclusion table at the terminal is to determine if the card is eligible for
DCC processing. If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0220 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0230 message that includes DE28 and DE56 that contains the DCC
Eligibility flag and DCC calculated amount in the cardholder currency.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount (in the cardholder currency) and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
declines the DCC offer.

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 POS Dynamic Currency Conversion Specifications

The terminal echoes DE28 from the DCC Inquiry and sets DE56–Calculation Accepted to a value of “N”, in the
transaction pre-authorization request (0100 message) that is sent to the Host. The Host forwards the pre-
authorization request to the applicable card association for authorization processing by the issuer.

When the response is received from the card association, the Host sends the reply (0110 message) to the
terminal. The reply does not include DE28 and DE56 from the request.

The non-DCC POS receipt is printed, where the cardholder is able to enter their tip in the local currency and
calculate the final sale amount.

Part 2 - Completion
The completion is performed in the local currency for the sale amount plus tip.

Locate the original

Enter the Tip
transaction in the TRANSACTION TRANSACTION
Amount in the
terminal that is to IN PROCESS APPROVAL
local currency
be adjusted

0220 Request
0230 Reply

Financial EURONET
Transaction
Authorization ITM Switch

The original transaction is located in the POS terminal that is to be adjusted to include the tip amount. The tip
amount is entered in the local currency.

The terminal application analyzes the original transaction to determine if the cardholder accepted the DCC offer.
If DE56 is present for the transaction, the value of DE56-Calculation Accepted is analyzed. A value of “N”
specifies the DCC offer was declined.

DE04 and DE54 are updated to reflect the amount of the tip in the 0220 completion request submitted to the
Host; DE28 and DE56 are not included in the request. The completion request is forwarded by the Host to the
applicable card association for authorization processing by the issuer. When the response is received from the
card association, the Host does not include DE28 and DE56 in the 0230 reply message to the terminal.

Dual Receipt – No Access to the POS Terminal

In this model, the cardholder does not have access to the POS Terminal. The pre-authorization is performed in
the local currency and the DCC offer is made verbally as well as by providing a DCC receipt and a non-DCC
receipt to the cardholder. The cardholder’s acceptance or decline of the DCC offer is based on the receipt that is
signed.

The following diagrams illustrate the overall processing that occurs for DCC processing when the tip is not known
prior to submitting the transaction and the cardholder does not have access to the POS terminal. The first
diagram illustrates the first part of the process, the pre-authorization, and the second diagram illustrates the
completion once the tip is known.

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POS Dynamic Currency Conversion Specifications

DCC with Restaurant Application

Tip Added On - Dual Receipt - Part 1
POS Device Host Notes

Waitstaff starts
transaction by Normal pre-auth.
entering transaction
purchase amount processing.
and swipes card.

Terminal
receives
response.

Is card in account
exclusion table?

No

Terminal uses
pre-auth.
information to
0200 This should look like a normal transaction
DCC Inquiry. except for DE03, Processing Code, of
send DCC
Yes Inquiry. 890000. DE04 should contain the total
amount.
Receives Reply
and stores DE28
The 0210 response will contain DE56, DCC
and DE56, DCC Data. DE28 will also be included if DCC
Data. eligible

If DE56-DCC Eligibility is equal to “EG” the

DCC Eligible?
transaction is DCC Eligible.
Not Eligible Eligible

Prints a normal Normal transaction processing will occur

Prints two receipts,
receipt for
one in the local except for receipts. If the transaction is
consumer to sign DCC eligible two receipts will be printed.
currency and the
and add the tip
amount.
other in the DCC One in the local currency and the other in
currency. The the DCC currency. The waitstaff will make
waitstaff will make
the DCC offer and the DCC offer and the customer will sign
the customer will and add the tip to the one they choose.
sign and add the tip After the consumer has signed a receipt,
to the one they the transaction must be completed at the
choose.
terminal.

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 POS Dynamic Currency Conversion Specifications

DCC with Restaurant Application

Tip Adjusted - Dual Receipt - Part 2
POS Device Host Notes

Waitstaff takes the

signed receipt to
the terminal and
selects the adjust
transaction option
and enters
information to find
the transaction.

Was it DCC If the DE56-DCC Eligibility field is “EG” the

Eligible? transaction was DCC Eligible
No

Yes

If transaction was The terminal will prompt the wait staff to

DCC eligible, the indicate which currency was selected.
terminal will ask if If the cardholder currency was selected
the cardholder
(DCC offer accepted), update DE56-
chose DCC or local
currency. Calculation Accepted field with “Y”
otherwise update the field with “N”.

The tip amount will always be entered in

Next they enter the the currency the cardholder selected.
tip amount into the
terminal.
The terminal may want to indicate the
correct currency by using the DE56-
Cardholder Currency Symbol field.

Did cardholder
accept?
Yes The terminal application will use the
No
Display Rate field in DE56 to calculate the
values to be placed in DE04, DE54 and
DE04 and DE54 are
updated with the
DE56.
local currency. o Set the value of DE54 by dividing the
DE56 is updated tip amount entered by the DE56-
with the cardholder Display Rate.
currency.
o Set the value of DE04 by adding the
new value of DE54, set above, to
Sends 0220 previous value of DE04.
adjustment
Host processes the o Set the value of DE56-DCC Actual
transaction
including DE28 and
transaction and Transaction Amount by adding the tip
echoes DE56 back.
DE56, DCC Data, if amount entered to DE56-DCC
DCC transaction. Transaction Amount field value.
o Set the value of DE56-Converted
Amount to Base Currency with the
The terminal will process the
response normally which might updated DE04 value.
include updating batch and tip
totals. The amounts used will be
from DE04 and DE54 which are in
the local currency.

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POS Dynamic Currency Conversion Specifications

Part 1 - Pre-Authorization
When the cardholder doesn’t have access to the POS terminal, the pre-authorization is performed using the local
currency. The DCC inquiry is performed when an approved pre-authorization response is received. When the
DCC inquiry response indicates that the transaction is DCC eligible, a receipt is printed in the local currency as
well as a DCC receipt.

SWIPE/INSERT
CARD ENTER SALE PIN ENTRY TRANSACTION TRANSACTION
TO INITIATE AMOUNT Generate EMV Data IN PROCESS DCC Calculation
APPROVAL
TRANSACTION

DCC
DCC
0200/0210 Receipt Non-DCC
Receipt Non-DCC
0100 Pre-Authorization Request DCC Receipt
Receipt
0110 Inquiry
Transaction Reply

EURONET EURONET
Pre-Auth
ITM Switch ITM Switch

The terminal obtains the card information and sale amount, excluding the tip, to be processed. A normal 0100
pre-authorization request is sent to the Host. The Host forwards the pre-authorization request to the applicable
card association for authorization processing by the issuer. When the response is received from the card
association, the Host sends the reply (0110 message) to the terminal.

When the pre-authorization is approved, the card number is compared to the DCC Account Range Exclusion
table at the terminal to determine if the card is eligible for DCC processing. If present and has a DCC Allowed
value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC Eligibility flag.
DE28 and the DCC calculated amount in the cardholder currency are also included when the transaction is DCC
eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount (in the cardholder currency) and
conversion rate from DE56 are presented to the cardholder on the DCC receipt. A non-DCC receipt is also
printed. The receipt that is signed by the cardholder determines if they accept the DCC offer. The currency of
the tip must match the currency of the receipt that is signed.

Note: It is recommended that the currency symbol for each receipt be included beside the tip line.

Part 2 - Completion – Cardholder Accepts DCC Offer

The cardholder indicates acceptance of the DCC offer by adding the tip, in the cardholder currency, and signing
the DCC receipt. The completion is performed for the sale amount plus tip.

Locate the original Enter the Tip

Calculate
transaction in the Prompt for DCC Amount in the TRANSACTION TRANSACTION
Amounts to be
terminal that is to Response cardholder IN PROCESS APPROVAL
Updated
be adjusted currency

0220 Request with

DCC Acceptance in DE56
0230 Reply

Financial EURONET
Transaction
Authorization ITM Switch

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 POS Dynamic Currency Conversion Specifications

The original transaction is located in the POS terminal that is to be adjusted to include the tip amount. The
terminal analyzes the transaction to determine if it was DCC eligible. When DE56-DCC Eligibility has a value of
“EG”, the terminal asks if the cardholder chose DCC or local currency. The tip amount is entered in the
cardholder (DCC) currency when the DCC receipt was signed.

The terminal application uses the DE56-Display Rate from the transaction to calculate the values to be updated.
DE04 and DE54 are updated with amounts in the local currency and DE56 is updated with amounts in the
cardholder currency.

Data Element Calculation

54 Tip Amount divided by DE56-Display Rate

04 Add converted tip amount to original transaction amount. New DE54 +

Original DE04
DE56-DCC Actual Transaction Amount Add the entered tip amount to DE56-DCC Transaction Amount

DE56-Converted Amount to Base Currency Set this value to the updated value of DE04

The 0220 completion request is submitted to the Host, echoing DE28 from the original transaction and updated
DE56, including DE56-Calculation Accepted set to a value of “Y”. The completion request is forwarded by the
Host to the applicable card association for authorization processing by the issuer. When the response is received
from the card association, the Host includes DE28 and DE56 in the 0230 reply message to the terminal.

Part 2 - Completion - Cardholder Declines DCC Offer

The DCC offer is performed during the pre-authorization for the pre-tip amount. The cardholder declines the
DCC offer by adding the tip, in the local currency, and signing the non-DCC receipt.
Locate the
original Enter the Tip
Prompt for DCC TRANSACTION TRANSACTION
transaction in the Amount in the
Response IN PROCESS APPROVAL
terminal that is to local currency
be adjusted

0220 Request with

DCC Decline in DE56
0230 Reply

Financial EURONET
Transaction
Authorization ITM Switch

The original transaction is located in the POS terminal that is to be adjusted to include the tip amount. The
terminal analyzes the transaction to determine if it was DCC eligible. When DE56-DCC Eligibility has a value of
“EG”, the terminal asks if the cardholder chose DCC or local currency. The tip amount is entered in the local
currency when the non-DCC receipt is signed.

The 0220 completion request is submitted to the Host, echoing DE 28 and updating DE56-Calculation Accepted to
a value of “N”. The completion request is forwarded by the Host to the applicable card association for
authorization processing by the issuer. When the response is received from the card association the 0230 reply
message is sent to the terminal; DE28 and DE56 are not included.

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POS Dynamic Currency Conversion Specifications

Hotel/Lodging
The models available for DCC processing in a hotel or lodging application are dependent on the type of check-out
options available to cardholders. The following scenarios related to DCC in a lodging application are explained in
this section:

• Check-In
It is recommended that the DCC offer always be made when the pre-authorization is performed during
check-in. This allows the application to use the cardholder’s response to the DCC offer during Express
Check-Out. When the DCC offer is not made at check-in, a normal pre-authorization is submitted, and the
cardholder will not be offered DCC when Express Check-Out is used.

• Desk Check-Out
The DCC offer is only made during check-out when the cardholder did not accept the DCC offer during
check-in. Otherwise, the completion transaction is automatically performed in the cardholder’s currency
based on their previous acceptance of the DCC offer.

• Express Check-Out
The completion transaction is automatically performed using the cardholder’s answer to the DCC offer during
check-in. The cardholder’s currency will be used if the DCC offer was accepted; otherwise the local currency
will be used.

The following scenarios related to exceptions that may occur are also explained in this section:

• DCC Cancellation
In this scenario, the cardholder accepts the DCC offer during check-in, but later decides to opt-out of the
DCC offer. The cardholder will not be presented the DCC offer again during check-out; the completion will
be performed in the local currency.

• Different Card Used at Check-Out

When a cardholder uses a different card at check-out, the pre-authorization on the card used during check-in
will be reversed. The cardholder will be presented the DCC offer if the card being used during check-out is
DCC eligible.

• Card No Longer DCC eligible

The card was DCC eligible during check-in and the cardholder accepted the DCC offer. The eligibility
parameters changed prior to check-out that make the card no longer eligible for DCC. The completion is
processed in the local currency and a message is printed on the receipt, notifying the cardholder that the
transaction is no longer DCC eligible.

DCC Offer at Check-In

This section provides an explanation of the processing that occurs during check-in when DCC processing is
available at the POS terminal. This flow will occur for both Mag-stripe and EMV cards. If the cardholder does not
have access to the POS terminal, the DCC offer must be provided verbally.

Note: It is recommended that the DCC offer be made during check-in to provide the ability to use the cardholder’s response during Express
Check-Out, otherwise the DCC offer will be made during check-out at the desk.

The following diagrams illustrate the two models available for the POS lodging application during check-in. The
first diagram illustrates the process for providing the DCC offer during check-in. The second diagram illustrates
the process when the DCC offer is not made during check-in.

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 POS Dynamic Currency Conversion Specifications

DCC with Lodging Application

Check-In with DCC Offer
POS Device Host Notes

Transaction is started by
clerk. Entering information
and swiping card.

Is card in This should look like a normal transaction

0200
account No DCC Inquiry.
except for DE03, Processing Code, of
exclusion table? 890000.
Yes

Receives Reply and The 0210 response will contain DE56, DCC
stores DE56, DCC Data. DE28 will also be included if DCC
data. eligible.

If DE56-DCC Eligibility field is equal to “EG”

DCC Eligible?
Eligible the transaction is DCC eligible.

Present DCC Offer

and get response. The DCC off will be displayed on the POS
Store response in terminal screen.
Not Eligible DE56, DCC data.

Did cardholder
No
accept?
Get cardholder’s choice

Yes PIN and EMV

No changes to processing If the cardholder chose to accept the DCC
transaction values. occur here. offer, update DE56-Calculation Accepted
Update cardholder
Update DE56, DCC
Data, with
choice in DE56,DCC field with “Y” otherwise update field with
Data, if DCC eligible “N”. If the transaction was not DCC eligible
cardholder choice if
it was eligible. DE56 will not be sent with the transaction.

Send pre-auth. Send pre-auth. transaction to host and

transaction for Host processes pre-
authorization with auth. transaction
include DE28 and updated DE56, DCC data,
DE28 and updated with DCC as when the transaction is DCC eligible. The
DE56, DCC Data, if needed. host will echo back DE56 if the cardholder
DCC eligible. accepted the DCC offer.

Use DE56-Calculation Accepted to get

Had cardholder
accepted DCC? Yes
cardholder’s previous DCC choice. If DE56
No
is not present, the choice was no.
Normal transaction Transaction Normal transaction completion process
completion completion process
processing and
will occur except for receipt. If the
but with special
receipt. DCC requirements cardholder accepted the DCC offer, special
on receipt. text must be printed on the receipt.

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POS Dynamic Currency Conversion Specifications

DCC with Lodging Application

Check-In without DCC Offer
POS Device Host Notes

Transaction is started by clerk PIN and EMV

entering information and processing
swiping card. occur here.

Send pre-auth.
Host processes pre-
transaction for
auth transaction.
authorization.

Response is
processed and
receipt is printed.

Normal transaction
completion
processing and
receipt.

Cardholder Accepts DCC Offer at Check-In

The DCC offer is initially made during the check-in process for DCC eligible transactions, as illustrated below.

SWIPE/INSERT
CARD ENTER SALE DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
DCC Calculation ACCEPT
TO INITIATE AMOUNT ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
DCC
DCC
Receipt
Receipt
0200/0210 DCC
0100 Pre-Authorization Request with
Inquiry 0110
DCC Acceptance in DE56
Transaction Reply

EURONET EURONET
Pre-Auth
ITM Switch ITM Switch

The terminal obtains the card information and amount that is to be pre-authorized. The card number is compared
to the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for DCC processing.
If present, and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC Eligibility flag.
DE28 and the DCC calculated amount in the cardholder currency are also included when the transaction is DCC
eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount, in the cardholder currency, and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
accepts the DCC offer.

The terminal echoes DE28 from the DCC Inquiry and updates DE56-Calculation Accepted to a value of “Y” in the
0100 pre-authorization request that is sent to the Host. The pre-authorization request is forwarded by the Host
to the applicable card association for authorization processing by the issuer. When the response is received from
the card association, the Host includes DE28 and DE56 in the 0110 reply message to the terminal.

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 POS Dynamic Currency Conversion Specifications

The POS DCC receipt is printed.

Cardholder Declines DCC Offer During Check-In

SWIPE/INSERT
CARD ENTER SALE DCC OFFER PIN ENTRY TRANSACTION TRANSACTION
DCC Calculation Decline
TO INITIATE AMOUNT ON SCREEN Generate EMV Data IN PROCESS APPROVAL
TRANSACTION
Non-DCC
Non-DCC
Receipt
Receipt
0200/0210 DCC 0100 Pre-Authorization Request with
Inquiry DCC Decline in DE56 0110
Transaction Reply

EURONET EURONET
Pre-Auth
ITM Switch ITM Switch

The terminal obtains the card information and amount that is to be pre-authorized. The card number is compared
to the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for DCC processing.
If present and has a DCC Allowed value of “N”, the transaction is processed as normal.

A DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the transaction
is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC Eligibility flag.
DE28 and the DCC calculated amount in the cardholder currency are also included when the transaction is DCC
eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount, in the cardholder currency, and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
declines the DCC offer.

The terminal echoes DE28 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of “N” in
the 0100 pre-authorization request that is sent to the Host. The transaction request is forwarded by the Host to
the applicable card association for authorization processing by the issuer. When the response is received from
the card association the Host replies to the terminal with a 0110 message that does not include DE28 or DE56. A
non-DCC POS receipt is printed.

Check-In Without DCC Offer

A standard pre-authorization is performed in the local currency when the DCC offer is not made during the
check-in process.

Desk Check-Out
This section provides an explanation of the processing that occurs when the check-out is performed at the hotel
desk with the cardholder present. When the cardholder accepted the DCC offer during check-in, the completion
transaction is automatically performed in the cardholder’s currency. The DCC offer is presented if the offer was
previously declined during check-in or was not presented during check-in.

Desk Check-Out with DCC Offer at Check-In

When the cardholder accepted the DCC offer during check-in, the completion transaction is automatically
performed in the cardholder’s currency. The following diagram illustrates the overall processing that occurs when
the cardholder checks out at the desk:

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POS Dynamic Currency Conversion Specifications

DCC with Lodging Application

Front Desk Check-Out with DCC Offer during Check-In
POS Device Host Notes

Desk clerk starts the 0220 This should look like a normal 0220 transaction
Check-Out process and DCC Inquiry – finds except for DE03, Processing Code, of 890000.
enters approval number, previous information
final amount and other and updates DE56
transaction data. amounts.
The 0230 response will contain updated DE56,
DCC Data. If previous DCC data could not be
found, i.e. DCC not offered during Check-In, a
Receives response normal DCC eligibility check will occur.
with updated DE56,
DCC Data.
If DE56-Calculation Accepted field is equal to
“D”, the transaction is not DCC Eligible.

If DE56-DCC Eligibility field is equal to “NE” and

Was transaction
No the DE56-Calculation Accepted field is equal to
DCC Eligible?
“Y”, the transaction is not DCC Eligible and a
special message will need to be printed (see last
Yes note).

If DE56-DCC Eligibility field is equal to “EG” the

Had cardholder
already accepted transaction is DCC Eligible.
DCC offer?
Yes No
If DE56-DCC Eligibility is equal to “EG” and
DE56-Calculation Accepted is equal to “Y” the
cardholder already accepted

Present DCC Offer

to cardholder. The DCC offer will be displayed on the POS
terminal screen.

Update DE56 with Did cardholder

cardholders choice.
Yes
accept?
Get cardholder’s choice

No

No change to Update DE56-Calculation Accepted with “Y” if

transaction values. the cardholder accepted the DCC offer,
otherwise update field with “N”.

Send completion
Host processes the
transaction
completion
including DE28 and
transaction when When receipt is printed, if the cardholder
updated DE56, DCC
received.
data. accepted the DCC offer, special text must be
printed on the receipt just like the pre-auth.
Cardholder receipt
is printed before transaction.
completion
Terminal updates As mentioned above if cardholder had accepted
transaction is
batch totals as
transmitted to host. the DCC offer during Check-In but now DCC is
necessary.
no longer available to them, a special message
will need to printed in place of the normal DCC
text.

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 POS Dynamic Currency Conversion Specifications

Completion when DCC Accepted During Check-In

The following diagram illustrates the completion process when the DCC offer was accepted during check-in.

Approval number Completion

from the check-in amount is Next Time Terminal TRANSACTION
DCC Calculation ACCEPT
is entered and the entered in the Goes Online APPROVAL
card is swiped local currency
DCC
DCC Receipt
Receipt

0220/0230 DCC 0220 Request with

Inquiry DCC Acceptance in DE56
0230 Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
A DCC Inquiry (0220 message with processing code of 890000) is sent to the Host to retrieve the DCC
information from the pre-authorization and to determine if the transaction is DCC eligible. The Host replies with
a 0230 message that includes DE28 and DE56 that contains the DCC Eligibility flag, the Calculation Accepted value
of “Y”, and updated DCC calculated amount in the cardholder currency.

Note: In this scenario, the cardholder previously accepted the DCC offer; therefore, the offer is not presented again.

A DCC POS receipt is printed.

When the DCC Eligibility flag has a value of “EG” and the Calculation Accepted field has a value of “Y”, the
terminal echoes DE28 and DE56 from the DCC Inquiry, in the 0220 completion request that is sent to the Host
the next time the terminal goes online. The completion request is forwarded by the Host to the applicable card
association for processing by the issuer. The Host replies to the terminal with a 0230 message that includes DE28
and DE56 from the request when the response is received from the card association.

Completion when DCC Declined During Check-In

When the Cardholder does not accept the DCC offer during the pre-authorization, the DCC offer is presented
again during the completion message process. The following diagrams illustrate the processing that occurs for
both Magstripe and EMV cards. The DCC offer must be presented verbally if the cardholder does not have access
to the POS terminal.

Cardholder Accepts DCC at Check-Out

Approval number Completion Next Time
from the check-in amount is DCC OFFER Terminal Goes TRANSACTION
DCC Calculation ACCEPT
is entered and the entered in the ON SCREEN Online APPROVAL
card is swiped local currency
DCC
DCC Receipt
Receipt

0220/0230 DCC 0220 Request with

Inquiry DCC Acceptance in DE56
0230 Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
A DCC Inquiry (0220 message with processing code of 890000) is sent to the Host to retrieve the DCC
information from the pre-authorization and to determine if the transaction is DCC eligible. The Host replies with a

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POS Dynamic Currency Conversion Specifications

0230 message that includes DE28 and DE56 that contains the DCC Eligibility flag, the Calculation Accepted value
of “N”, and DCC calculated amount in the cardholder currency.

Note: In this scenario, the cardholder previously declined the DCC offer, indicated by the Card Accepted value of “N”, therefore the offer is
presented again.

If the DCC Eligibility flag has a value of “EG” and the Card Accepted field has a value of “N”, the converted
transaction amount, in the cardholder currency, and conversion rate from DE56 are presented to the cardholder
for the DCC offer. In this scenario, the cardholder accepts the DCC offer. A DCC POS receipt is printed.

The terminal echoes DE28 and DE56 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of
“Y”, in the 0220 completion request that is sent to the Host the next time the terminal goes online. The
completion request is forwarded by the Host to the applicable card association for processing by the issuer. The
Host replies to the terminal with a 0230 message that includes DE28 and DE56 from the request when the
response is received from the card association.

Cardholder Declines DCC Offer at Check-Out

Approval number Completion

Next Time the
from the check-in amount is DCC OFFER TRANSACTION
DCC Calculation Decline Terminal Goes
is entered and the entered in the ON SCREEN APPROVAL
Online
card is swiped local currency
Non-DCC
Non-DCC
Receipt
Receipt
0220/0230 DCC 0220 Request with
Inquiry DCC Decline in DE56
0230 Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
A DCC Inquiry (0220 message with processing code of 890000) is sent to the Host to retrieve the DCC
information from the pre-authorization and to determine if the transaction is DCC eligible. The Host replies with
a 0230 message that includes DE28 and DE56 that contains the DCC Eligibility flag, the Calculation Accepted value
of “N”, and DCC calculated amount in the cardholder currency.

Note: In this scenario, the cardholder previously declined the DCC offer, indicated by the Card Accepted value of “N”, therefore the offer is
presented again.

If the DCC Eligibility flag has a value of “EG” and the Card Accepted field has a value of “N”, the converted
transaction amount, in the cardholder currency, and conversion rate from DE56 are presented to the cardholder
for the DCC offer. In this scenario, the cardholder declines the DCC offer. A normal, non-DCC, POS receipt is
printed.

The terminal echoes DE28 and DE56 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of
“N” in the 0220 completion request that is sent to the Host the next time the terminal goes online. The
completion request is forwarded by the Host to the applicable card association for processing by the issuer.
When the response is received from the card association the Host replies to the terminal with a 0230 message
that does not include DE28 or DE56.

Desk Check-Out without DCC Offer at Check-In

When the DCC offer is not presented at check-in, the DCC offer is always made at desk check-out for a DCC
eligible transaction. The following diagram illustrates the overall processing that occurs when the cardholder
checks out at the desk:

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 POS Dynamic Currency Conversion Specifications

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POS Dynamic Currency Conversion Specifications

Cardholder Accepts DCC at Check-Out

Approval number Completion
from the check-in amount is DCC OFFER The Next Time the
DCC Calculation ACCEPT TRANSACTION
is entered and the entered in the ON SCREEN Terminal Goes
APPROVAL
card is swiped local currency Online
DCC
DCC Receipt
Receipt

0200/0210 DCC 0220 Request with

Inquiry DCC Acceptance in DE56
0230 Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
The card number is compared to the DCC Account Range Exclusion table at the terminal to determine if the card
is eligible for DCC processing. If present and has a DCC Allowed value of “N”, the transactions is processed as
normal.

Otherwise, a DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the
transaction is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC
Eligibility flag. DE28 and the DCC calculated amount in the cardholder currency are also included when the
transaction is DCC eligible.

If the DCC Eligibility flag has a value of “EG” the converted transaction amount, in the cardholder currency, and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
accepts the DCC offer. A DCC POS receipt is printed.

The terminal echoes DE28 and DE56 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of
“Y”, in the 0220 completion request that is sent to the Host the next time the terminal goes online. The
completion request is forwarded by the Host to the applicable card association for processing by the issuer.
When the response is received from the card association the Host replies to the terminal with a 0230 message
that includes DE28 and DE56 from the request

Cardholder Declines DCC Offer at Check-Out

Approval number Completion
from the check-in amount is DCC OFFER The Next Time the
DCC Calculation Decline TRANSACTION
is entered and the entered in the ON SCREEN Terminal Goes
card is swiped local currency Online APPROVAL
Non-DCC
Non-DCC
Receipt
Receipt

0200/0210 DCC
0220 Request with
Inquiry
DCC Decline in DE56
0230 Reply

EURONET
Financial EURONET
ITM Switch Transaction
Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
The card number is compared to the DCC Account Range Exclusion table at the terminal to determine if the card
is eligible for DCC processing. If present and has a DCC Allowed value of “N”, the transaction is processed as
normal.

Otherwise, a DCC Inquiry (0200 message with processing code of 890000) is sent to the Host to determine if the
transaction is DCC eligible. The Host replies with a 0210 message that includes DE56 that contains the DCC

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 POS Dynamic Currency Conversion Specifications

Eligibility flag. DE28 and the DCC calculated amount in the cardholder currency are also included when the
transaction is DCC eligible.

If the DCC Eligibility flag has a value of “EG”, the converted transaction amount, in the cardholder currency, and
conversion rate from DE56 are presented to the cardholder for the DCC offer. In this scenario, the cardholder
declines the DCC offer. A normal, non-DCC, POS receipt is printed.

The terminal echoes DE28 and DE56 from the DCC Inquiry, and updates DE56-Calculation Accepted to a value of
“N”, in the 0220 completion request that is sent to the Host the next time the terminal goes online. The
completion request is forwarded by the Host to the applicable card association for processing by the issuer.
When the response is received from the card association the Host replies to the terminal with a 0230 message
that does not include DE28 or DE56 from the request.

Express Check-Out
This section provides an explanation of the processing that occurs during Express Check-Out without the
cardholder present. When the cardholder accepted the DCC offer during check-in, the completion transaction is
automatically performed in the cardholder’s currency. When the DCC offer was declined during check-in, the
completion transaction is automatically performed in the local currency.

Note: With the Express Check Out model, the DCC offer must be made when the cardholder is present during check-in.

The following diagram provides an overview of the processing that is performed with Express Check-Out when
the DCC offer is made at check-in.

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DCC with Lodging Application

Express Check-Out with DCC Offer during Check-In
POS Device Host Notes

0220
Desk clerk or automated process starts
DCC Inquiry – finds
Express Check-Out process. This
previous This should look like a normal 0220 transaction
process first sends approval number,
final amount and other transaction
information, except for DE03, Processing Code, of 890000.
updates amounts
data to host.
and returns DE56.

The 0230 response will contain updated DE56,

Receives response DCC Data.
with updated DE56,
DCC data.
If the DE56-Calculation Accepted field is equal
to “D”, the transaction is not DCC Eligible.

If the DE56-DCC Eligibility field is equal to “NE”

Was transaction and the DE56-Calculation Accepted is equal to
DCC Eligible? “Y”, the transaction is not DCC Eligible and a
special message will need to be printed (see last
note).

Yes No
If the DE56-DCC Eligibility field is equal to “EG”
the transaction is DCC Eligible.

Had cardholder
already accepted
DCC offer? No If DE56-DCC Eligibility is equal to “EG” and the
Yes
DE56-Calculation Accepted field is equal to “Y”
the answer is Yes.
Update DE56 with
No change to
updated DCC
transaction values.
values.

Send completion
Host processes
transaction 0220
transaction and
with DE28 and DE56 is only sent to the host with DCC
echoes DE28 &
updated DE56, DCC
DE56 back if DCC transactions.
data, if DCC
transaction.
transaction.

Cardholder receipt
is printed before Terminal updates
completion necessary totals
transaction is and prints receipt.
transmitted to host.

Use the DE56-Calculation Accepted field, to get

Had cardholder cardholder’s previous choice. If DE56 is not
accepted DCC? present, the choice was No.
No Yes

Normal transaction completion process will

Normal transaction
Transaction occur except for receipt. If the cardholder
completion accepted the DCC offer, special text must be
completion process
processing and printed on the receipt.
but with special
receipt.
DCC requirements
on receipt. As mentioned above if cardholder had accepted
the DCC offer during Check-In but DCC is now
no longer available to them, a special message
will need to printed in place of the normal DCC
text.

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Completion when DCC Accepted During Check-In

The following diagram illustrates the completion process when the DCC offer was accepted during check-in.

Approval number Completion The Next Time the

from the check-in amount is Terminal Goes TRANSACTION
DCC Calculation Accepted
is entered and the entered in the Online APPROVAL
card is swiped local currency
DCC
DCC Receipt
Receipt

0220/0230 DCC 0220 Request with

Inquiry DCC Acceptance in DE56
0230 Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
A 0220 message is sent to the Host to retrieve the DCC information from the pre-authorization and to determine
if the transaction is DCC eligible. The Host replies with a 0230 message that includes DE28 and DE56 that
contains the DCC Eligibility flag value of “EG”, the Calculation Accepted value of “Y”, and updated DCC calculated
amount in the cardholder currency.

Note: In this scenario, the cardholder previously accepted the DCC offer therefore the offer is not presented again.

A DCC POS receipt is printed.

When the DCC Eligibility flag has a value of “EG” and the Calculation Accepted field has a value of “Y”, the
terminal echoes DE28 and DE56 from the DCC Inquiry, in the 0220 completion request that is sent to the Host
the next time the terminal goes online. The completion request is forwarded by the Host to the applicable card
association for processing by the issuer. When the response is received from the card association the Host
replies to the terminal with a 0230 message that includes DE28 and DE56 from the request

Completion when DCC Declined During Check-In

The following diagram illustrates the completion process when the DCC offer was declined at check-in.

Approval number Completion The Next Time the

from the check-in amount is Terminal Goes TRANSACTION
DCC Calculation DCC Declined
is entered and the entered in the Online APPROVAL
card is swiped local currency
DCC
DCC Receipt
Receipt

0220/0230 DCC 0220 Request with

Inquiry DCC Decline in DE56
0230 Reply

EURONET Financial EURONET

Transaction
ITM Switch Authorization ITM Switch

The terminal obtains the card information, pre-authorization approval number, and amount in the local currency.
A 0220 message is sent to the Host to retrieve the DCC information from the pre-authorization and to determine
if the transaction is DCC eligible. The Host replies with a 0230 message that includes DE28 and DE56 that
contains the DCC Eligibility flag value of “EG”, the Calculation Accepted value of “N” or “D”, and DCC calculated
amount in the cardholder currency.

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POS Dynamic Currency Conversion Specifications

Note: In this scenario, the cardholder previously declined the DCC offer. A value of “D” indicates the cardholder previously accepted the
DCC offer, but later declined. See the DCC Cancellation section for additional information.

A non-DCC POS receipt is printed.

When the DCC Eligibility flag has a value of “EG” and the Calculation Accepted field has a value of “N” or “D”, the
terminal echoes DE28 and DE56 from the DCC Inquiry, in the 0220 completion request that is sent to the Host
the next time the terminal goes online. The completion request is forwarded by the Host to the applicable card
association for processing by the issuer. The Host replies to the terminal with a 0230 message that includes DE28
and DE56 from the request when the response is received from the card association.

Lodging Exceptions
This section provides an explanation of the processing that occurs when an exception condition is encountered
with DCC in a lodging/hotel application.

DCC Cancellation
The DCC Cancellation process occurs when a cardholder accepts the DCC offer at check-in, but later decides
they want to decline the offer. This process only occurs when the cardholder accepts the process during check-in
and expresses the desire to cancel prior to the completion or check-out process.

DCC with Lodging Application

cardholder Changes Opt-In Choice

POS Device Host Notes

Desk clerk selects

0220
the DCC Choice
DCC Inquiry – finds
Change transaction, This should look like a normal 0220
previous
and enters
approval number
information and transaction except for DE03, Processing
updates cardholder Code, of 890100.
from the receipt
opt-in value from
and swipes the
“Y” to “D”.
cardholder’s card.

Receives response The 0230 response will contain updated DE56,

with updated DE56, DCC Data. The desk clerk informs the
DCC Data cardholder that their change has been
registered.

The DCC Choice Change transaction is selected at the POS terminal. The card is swiped and the authorization
number from the pre-authorization DCC receipt is entered by the clerk.

The terminal sends a 0220 DCC Inquiry to the Host with a processing code of 890100. The Host retrieves the
original DCC information and updates the DE56-Calculation Accepted value to a “D”.

The Host replies to the terminal with a 0230 message that includes the updated DE56. The clerk notifies the
consumer that the change has been registered. The cardholder will not be presented the DCC offer again at
check-out.

Different Card at Check Out

This exception occurs when a different card is presented at check-out. The original pre-authorization must be
reversed, and the transaction performed for the final amount. The DCC offer is presented to the cardholder again
if the card being presented is DCC eligible.

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Card No Longer Eligible

This exception occurs when the card was DCC eligible and the DCC offer was accepted during at check-in, but
due to configuration changes is no longer DCC eligible when the check-out completion is processed. When this
occurs, the DE56-DCC Eligibility flag is returned with a value of “NE” and DE56-DCC Calculation Accepted is
returned with a value of “Y” in the DCC inquiry reply during the check-out. A special message is to be printed on
the receipt in place of the normal DCC text.

Cardholder without Access to POS Terminal

Cardholders must be given a choice to use the Dynamic Currency Conversion service. In instances where the
cardholder has access to the POS terminal, they may press a button or otherwise interact with the terminal to
make their choice. Cardholders that do not have physical access to the POS terminal must be given the choice
verbally in accordance with network regulation.

Returns
The following diagram illustrates the Refund/Credit Return of DCC accepted transactions. This processing applies
to both mag-stripe and EMV cards and is completed in the Cardholder currency.

After the user selects the refund transaction option and swipes or enters the card information, the terminal
prompts the user to indicate that the transaction that is being refunded was an accepted DCC transaction. The
following information must be entered from the receipt:

• Display Rate
• DCC Transaction Amount

The terminal must then calculate DE04 using the Display Rate and the DCC Transaction Amount.

Note: Only full refunds are allowed.

A 0220 DCC Inquiry message is sent to the Host to retrieve the DCC information from the original transaction.
The Host retrieves the original transaction and validates the DCC Transaction Amount that was entered against
the DCC history information.

The Host will decline the transaction with following response codes for the following cases:

• Original DCC transaction is not found in history (DE39 =D1)

• Entered Amount is greater than history transaction amount (DE39=D2)
• Entered Amount is less than history transaction amount (DE39=D3)

DE56 is updated with the values from the original transaction. If DE39 has a value of “00”, the DCC transaction
was successfully retrieved from history. The updated DE56 is included in the refund message sent to the Host.

The refund transaction must be started again when DE39 has value other than “00”.

The following diagram illustrates the refund process for a DCC accepted transaction.

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POS Dynamic Currency Conversion Specifications

Refund of DCC Accepted Transaction

POS Device Host Notes

The user starts by selecting

the Refund Transaction
option and swipes or
enters the card
information.

The terminal will prompt the user to

indicate if this was an Accepted DCC
No
Was this a DCC
Yes transaction.
transaction?

The additional DCC information required

User enters normal is:
User enter normal
information and o Display Rate
additional DCC 0220 DCC Inquiry. o DCC Transaction Amount
information.
information from
the receipt.
DE04 will be calculated using the Display
Rate and the DCC Transaction Amount.
Only full refunds are allowed.

Terminal updates
DE56, DCC Data. DE56 will be updated with the values from
the original transaction

If DE56 is not present, the choice was no.

If DE39 is:
Start DE39=00?
No (Approved)
D1 - The Original DCC transaction
Over.
could not be found.
D2 – Amount sent is greater than the
Yes original amount.
Send transaction
D3 – Amount sent is less than the
Host processes original amount.
for refund/return
transaction and
with DE56, DCC
echoes DE56 if
Data if DCC
sent.
transaction. Send transaction to host and includes
updated DE56, DCC data if it was received.

Had cardholder
accepted DCC? Yes
No

Normal transaction Normal transaction completion process

Transaction
completion
completion process will occur except for receipt. If the
processing and cardholder accepted the DCC offer, special
but with special
receipt.
DCC requirements text must be printed on the receipt.
on receipt.

Void of DCC Accepted Transaction

Transaction flow for a void of a DCC accepted transaction is the same as for transactions without DCC
acceptance for both mage-stripe and EMV cards. The void is completed in the cardholder currency that was
accepted by the cardholder and must include the DCC data in DE56.

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 POS Dynamic Currency Conversion Specifications

The same information explained in refund/credit returns section should be entered during the void of DCC
accepted transactions.

Reversal of DCC Accepted Transaction

Transaction flow for a reversal of a DCC accepted transaction is the same as for transactions without DCC
acceptance for both mage-stripe and EMV cards. The reversal is completed in the cardholder currency that was
accepted by the cardholder and must include the DCC data in DE56.
Reversal of DCC Accepted Transaction

POS Device Host Notes

This process assumes a DCC offer was made and

accepted according to a normal processing flow.

Transaction is
processed Transaction is sent to host but no reply is
including DE56, received by the terminal
DCC Data.

The terminal times

Once the transaction has timed out, the
out the transaction terminal will create and send a 0400
Reversal is
and sends a
processed.
Reversal message to send to the host. This
reversal message to reversal should include DE56, DCC Data,
the host.
from the original transaction.

The reversal reply

is received and
transaction is
complete.

Timeout of DCC Inquiry

If a DCC Inquiry is timed out by the POS terminal, the transaction is processed as a normal non-DCC transaction.

Batch Settlement
Settlement of a batch is performed in the local currency to accommodate the payments to the merchant in the
local currency. 0320 messages should include full transaction information; DE4 and DE49 should always reflect the
local currency. DE28 and DE56 must be included for transactions that the cardholder accepted DCC.

DCC Inquiry messages are to be excluded from the 0320 messages.

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POS Dynamic Currency Conversion Specifications

DCC Eligible Transaction Flow

The following message flows demonstrate the complete cycle of a DCC transaction at the POS terminal:

Note: Normal transaction flow is used for non-DCC eligible transactions or if the DCC Inquiry fails such as a timeout.

Pre-Authorization/Completion
POS Terminal Host
Pre-Authorization
Compare card number against
the BIN Exclusion table
DCC Inquiry
Process code of 89000 0200 Request If DCC eligible, Host will respond
with DE28 and DE56 that contains
the DCC eligibility flag and DCC
Terminal extracts DCC data in DE56 0210 Reply calculated amount in the cardholder
from DCC Inquiry and presents the
DE28 and DE56 on account currency code
converted amount in the account
currency and DCC Opt-In options to
cardholder
DCC Pre-Auth Request
Terminal captures cardholder
response, echoes DE28, updates 0100 Request
DE56 with cardholder response and DE28 and DE56 on
sends request to host with updated Response includes DE28 and
DE56 data echoes DE56 from the request if
0110 Reply cardholder accepted DCC
DE28 and DE56 on if
accepted

Completion
DCC Inquiry
Process code of 89000
0220 Request
If DCC eligible, Host will respond
Terminal extracts DCC data in DE56 with DE28 and DE56 that contains
from DCC Inquiry. DCC offer is only 0230 Reply the DCC eligibility flag and DCC
presented again if the Calculation DE28 and DE56 on calculated amount in the
Accepted value in DE56 has a value cardholder account currency code
of N.
DCC Completion Request
Terminal echoes DE28, updates
DE56 with cardholder acceptance 0220 Completion Req
and sends request to host with DE28 and DE56 on
updated DE56 data

0230 Completion Reply Response includes DE28 and echoes

DE28 and DE56 on if DE56 from the request.
accepted

Complete cycle of POS DCC eligible transaction message flow

Terminal compares the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for
DCC processing. If present and has a DCC Allowed value of “N”, process transaction as normal.

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0200 message with processing code of 890000, DCC Inquiry, sent to the Host to determine if the transaction is
DCC eligible.

When the message is received, the Host determines if the transaction is DCC eligible.

The Host will reply with a 0210 message that includes DE56 with the conversion information and the DCC
Eligibility flag that tells the terminal that the transaction is DCC eligible.

The terminal should always check the eligibility flag in DE56. If a value of “EG” is received, extract the converted
transaction amount (specified in the cardholder currency) and conversion rate from DE56 and present to the
cardholder the DCC option.

The option chosen by the cardholder must then be updated in DE56 and sent in the transaction pre-auth request
to the Host.

When the transaction pre-auth request is received by the Host, the transaction is sent to the applicable card
association for authorization processing by the issuer.

If the cardholder accepted the DCC option, the Host echoes DE56 that was received in the transaction pre-auth
request. DE56 will be turned off in the response if the cardholder did not accept the DCC option.

The terminal must print specific information related to the currency conversion, as specified by the card
association, on the cardholder’s receipt if the DCC option was accepted.

The process is repeated for the completion message when the cardholder accepted the DCC option. A 0220
DCC inquiry is performed. The Host will reply with a 0230 message that includes DE56 with the conversion
information, the DCC Eligibility flag that tells the terminal that the transaction is DCC eligible, and the Accept
Calculation value from the pre-authorization. The DCC offer is only presented to the cardholder again when it
was declined during the Pre-Authorization (Accept Calculation=N). The completion message containing the DCC
information is returned to the Host.

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POS Dynamic Currency Conversion Specifications

Sale/Debit
POS Terminal Host

Compare card number against

the BIN table exclusion list
DCC Inquiry
Process code of 89000 0200 Request
If DCC eligible, Host will respond
Terminal extracts DCC data in DE56 0210 Reply with DE28 and DE56 that contains
from DCC Inquiry and presents the the DCC eligibility flag and DCC
DE28 and DE56 on
converted amount in the account calculated amount in the cardholder
currency and DCC Opt-In options to account currency code
cardholder

Terminal captures cardholder Sale / Debit

response, echoes DE28, updates
DE56 with cardholder response and 0100/0200 Request
sends request to host with updated DE28 and DE56 on
DE56 data
Response includes DE28 and
0110/0210 Reply echoes DE56 from the request if
DE28 and DE56 on if cardholder accepted DCC
accepted

Terminal compares the DCC Account Range Exclusion table at the terminal to determine if the card is eligible for
DCC processing. If present and has a DCC Allowed value of “N”, process transaction as normal.

0200 message with processing code of 890000, DCC Inquiry, sent to the Host to determine if the transaction is
DCC eligible.

When the message is received, the Host determines if the transaction is DCC eligible.

The Host will reply with a 0210 message that includes DE56 with the conversion information and the DCC
Eligibility flag that tells the terminal that the transaction is DCC eligible.

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 POS Dynamic Currency Conversion Specifications

The terminal should always check the eligibility flag in DE56. If a value of “EG” is received extract the converted
transaction amount (specified in the cardholder currency) and conversion rate from DE56 and present to the
cardholder with the DCC option.

The option chosen by the cardholder must then be updated in DE56 and sent in the sale/debit request to the
Host.

When the transaction sale/debit request is received by the Host, the transaction is sent to the applicable card
association for authorization processing by the issuer.

If the cardholder accepted the DCC option, the Host echoes DE56 that was received in the sale/debit request.
DE56 will be turned off in the response if the cardholder did not accept the DCC option.

The terminal must print specific information related to the currency conversion, as specified by the card
association, on the cardholder’s receipt if the DCC option was accepted.

Transaction Data Mapping

Euronet utilizes the POS ISO-8583 message format for interfacing with POS devices. This section assumes that the
POS terminal application vendor has experience with mapping POS messages into the POS ISO-8583 format.
Consequently, this section only provides a cursory explanation of POS ISO-8583 data mapping constructs. The
intent of this section is to provide a POS terminal application vendor with the information necessary to map
Dynamic Currency Conversion Eligible transactions into the recommended POS ISO-8583 format.

This section explains the POS Dynamic Currency Conversion Eligible Transaction data elements mapping for
DE56, the data element attribute and length specification.

Note: This section only describes how the Dynamic Currency Conversion Eligible Transaction data elements are to be mapped into the POS
ISO-8583 message format. There is no other change to the standard data elements for the POS ISO-8583 messages.

The following legend provides a description of the nomenclature used throughout the remainder of this section:

Message Types and Corresponding Data Elements

Symbol Meaning
M Mandatory

M+ Mandatory, echoed from request

C Conditional

C+ Conditional, echoed from request

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Message Types and Corresponding Data Elements

Symbol Meaning
- Not Used

R Reserved for future use.

Legend Definition / Attribute

n Numeric characters

an Alphanumeric

ans Alphabetic, numeric and special characters

Z Track 2 and 3 code set

3 Fixed length of three characters

..17 Variable length up to a maximum of 17 characters. All variable

length fields will also contain two or three positions at the
beginning of the field. These will identify the number of
positions following to the end of that field

DCC Inquiry Request and Response (0200/0210) and

(0220/0230)
Data Element
DE Attribute Request Response Comments
Name
0200

Bit Map M M

2 Primary Account n…19 C C+ This element is required when

Number DE-35 (Track 2) is not
present.
3 Processing Code n6 M M+ Valid values:
890000 – DCC Inquiry
890100 – DCC Cancel

4 Amount, a12 M M+
Transaction
11 STAN n6 M M+

12 Time, local n6 M hhmmss format

transaction
13 Date, local n4 M MMDD format
transaction
22 POS Entry Mode n3 M

25 POS Condition n2 M
Code
28 DCC Fee x+n8 C Data element is included in the
Information response when the transaction
is DCC eligible.

x indicates the fee sign.

C = credit, D = debit.

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Data Element
DE Attribute Request Response Comments
Name
35 Track 2 Data z…37 C Track 2 data is present when
the card was swiped at the
POS terminal and track 2 is
used.
39 Response Code an2 M

41 Card Acceptor ans16 M M

Terminal Id
42 Card Acceptor Id ans15 M

49 Transaction a3 O
Currency Code
56 Private Use ans…256 M A value of “EG” in the DCC
Eligibility field indicates the
transaction is DCC eligible.
64 MAC Code b16 O O

DCC Inquiry transactions are non-EMV transactions and will not be forwarded to an issuer for authorizations.
These messages are sent to the Host for DCC calculation purposes to reply back to the device with the
information required to generate the DCC offer to the cardholder. EMV data should not be generated from the
chip and the PIN block should not be included in the DCC Inquiry message. Processing specific to EMV should be
performed after the DCC offer is presented to the cardholder.

The DCC Inquiry response always returns DE56 turned on (contains DCC data). A value of “EG” in the DCC
Eligibility field in DE56 indicates the transaction is DCC eligible.

Pre-authorization DCC Request and Response

(0100/0110)
The transaction request for a DCC eligible transaction, following the DCC Inquiry, will contain data sent from the
DCC Inquiry including updated Calculation Accepted field in DE56.

Data Element
DE Attribute Request Response Comments
Name
0100 0110

28 Transaction Fee x+n8 M C+ Echoed from DCC Inquiry

Response.

Echoed in response if
cardholder accepted.

x indicates the fee sign.

C = credit, D = debit.
56 Private Use ans…256 M C DE56 from DCC Inquiry
response with updated
Calculation Accepted value.

Returned in the response if

the cardholder accepted.

DCC eligible transaction response from Host with DE28 and DE56 on if cardholder accepted. Otherwise, DE56
and DE28 will not be included.

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Sale/Debit DCC Request and Response (0200/0210)

The transaction request for a DCC eligible transaction, following the DCC Inquiry, will contain data sent from the
DCC Inquiry including updated Calculation Accepted value in DE56.

Data Element
DE Attribute Request Response Comments
Name
0200 0210

28 Transaction Fee x+n8 M C+ Echoed from DCC Inquiry

Response.

Echoed in response if
cardholder accepted.

x indicates the fee sign.

C = credit, D = debit.
56 Private Use ans…256 M C DE56 from DCC Inquiry
response with updated
cardholder Calculation
Accepted value.

Returned in the response if

the cardholder accepted.

DCC eligible transaction response from Host with DE28 and DE56 on if cardholder accepted. Otherwise, DE56
and DE28 will not be included.

Sale Completion DCC Request and Response

(0220/0230)
The completion message for a DCC accepted transaction, following the DCC Inquiry, will contain data sent from
the DCC Inquiry including updated Calculation Accepted value in DE56. The DCC offer is presented to the
cardholder when the transaction is DCC eligible and the offer was not accepted during a pre-authorization.

Data Element
DE Attribute Request Response Comments
Name
0220 0230

28 Transaction Fee x+n8 M C+ Echoed from DCC Inquiry

Response.

Echoed in response if
cardholder accepted.

x indicates the fee sign.

C = credit, D = debit.
56 Private Use ans…256 M C DE56 from DCC Inquiry
response with updated
Calculation Accepted value.

Returned in the response if

the cardholder accepted.

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DCC eligible transaction response from Host with DE28 and DE56 on if cardholder accepted. Otherwise, DE28
and DE56 will not be included.

Void DCC Request and Response (0200/0210)

The following data elements are to be included in the void request for DCC transactions that were accepted by
the cardholder.

Data Element
DE Attribute Request Response Comments
Name
0200 0210

28 Transaction Fee x+n8 C Echoed from the transaction

to be voided.

x indicates the fee sign.

C = credit, D = debit.
56 Private Use ans…256 C DE56 from transaction to be
voided if DCC was accepted
by the cardholder.

All POS terminal void transaction requests to the Host are to include DE28 and DE56 from the 0210 response of
the transaction to be voided if the cardholder accepted the DCC offer.

DCC Reversal Request and Response (0400/0410)

Data Element
DE Attribute Request Response Comments
Name
0400 0410

56 Private Use ans…256 C C DE56 from 0200 request if

cardholder accepted.

All POS reversal transaction requests to the Host should include DE56 from the 0200 request.

DCC Return Request and Response (0220/0230)

Data Element
DE Attribute Request Response Comments
Name
0220 0230

56 Private Use ans…256 C C DE56 is to be set on with

values filled out from
cardholder’s receipt data if
DCC was accepted.

The POS device must update the following DCC information in DE56 from the receipt:

• Display rate (position 182-196) printed on the receipt.

• DCC Transaction Currency Code (position 212-214)
• DCC Transaction Amount (position 44-58)

All other values in DE56 are to be set to blanks for alphanumeric fields and zeros for numeric fields.

DE4 is to contain the local amount converted from the DCC Transaction Amount using the Display Rate from the
receipt.

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Balance Update Message (0320/0330)

The 0320 balance update messages must include the DCC information from the original message if present.

Note: DCC Inquiry transactions must be excluded from the balance update message processing.

Data Element
DE Attribute Request Response Comments
Name
0320

28 Transaction Fee x+n8 C C+ Echoed from original

transaction if DCC accepted
by cardholder.

x indicates the fee sign.

C = credit, D = debit.
56 Private Use ans…256 C C Echoed from original
transaction if DCC accepted
by cardholder.

Returned in the response if

the cardholder accepted.

DCC eligible transaction response from Host with DE28 and DE56 on if cardholder accepted. Otherwise, DE28
and DE56 will not be included.

Dynamic Currency Conversion Data Element Mapping

(DE56)
This following structure is used to communicate DCC data via DE56:

DE56: DCC Information

Position Field Description Attribute Comments
1-1 Action 1A Specifies the status of DCC processing. Use a value
of “3” to indicate the confirmation process has
occurred.
2-3 Transaction Type 2A Echo what is received.

4-5 DCC Eligibility 2A Specifies if the transaction is DCC eligible based on

the card and terminal. Valid values:

EG DCC Eligible
NE Not DCC Eligible

Echo value received from the Host.

6-8 Issuing Bank Country Code 3A Echo value received from the Host.

9-18 DCC Margin Profile 10 A Echo value received from the Host.

19-19 DCC Margin Location 1A Reserved for future use.

Echo value received from the Host.

20-23 DCC Margin Percentage 4,2 S Echo value received from the Host.

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DE56: DCC Information

Position Field Description Attribute Comments
24-28 DCC Fix Margin 5, 2 S Reserved for future use.

Echo value received from the Host.

29-33 DCC Min Margin Amount 5, 2 S Reserved for future use.

Echo value received from the Host.

34-38 DCC Max Margin Amount 5,2S Reserved for future use.

Echo value received from the Host.

39-42 DCC Margin Sharing % 4, 2 S Echo value received from the Host.

43-43 Calculation Accepted? 1A Specifies the cardholder’s response to the DCC

offer. Valid values:
Y Accepted
N Declined
D DCC acceptance cancelled by user.
44-58 DCC Transaction Amount 15,0 S Echo value received from the Host.

59-73 DCC Transaction Amount - Fee 15,0 S Echo value received from the Host.

74-88 DCC Actual Transaction Amount 15,0 S Echo value received from the Host.

89-91 DCC Transaction Currency Code 3A Echo value received from the Host.

92-106 DCC Transaction Activity Fee 15,0 S Echo value received from the Host.
Cardholder Currency
107-121 DCC Actual Transaction Activity Fee 15,0 S Reserved for future use.

Echo value received from the Host.

122-136 Exchange Rate to Cardholder 15,9 S Echo value received from the Host.
Currency
137-151 Converted Amount To Base 15,0S Echo value received from the Host.
Currency
152-166 Increased Amount w %+F 15,0 S Echo value received from the Host.

167-181 Exchange Rate to BaseCur 15,9 S Echo value received from the Host.

182-196 Display Rate 15,9 S Rate to be presented to the cardholder for the
conversion.

Echo value received from the Host.

197-208 DCC STAN 12,0 S This value will be sent by the Host to be printed on
receipt and will be echoed by the POS terminal.
209-211 Transaction Currency Symbol in Text 3A This value will be sent by the Host to be printed on
the receipt
212-214 Cardholder Currency, DCC 3A This value will be sent by the Host to be printed on
Transaction currency symbol the receipt

DCC offers are to be presented to cardholders when the DCC Eligibility flag (position 4-5) has a value of “EG”.
Otherwise, the cardholder is considered not eligible for a DCC transaction.

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The following information is to be updated and returned in DE56 in the transaction request when the DCC
Eligibility flag (position 4-5) has a value of “EG” in the DCC Inquiry response.

• Action (position 1) must have a value of “3”

• Calculation Accepted (position 43) must have a value of “Y” if the cardholder accepted the DCC offer or a
value of “N” if the cardholder declined the DCC offer.

All other values in DE56 are to be echoed.

DCC Account Range Exclusion Download File

The Account Range Exclusion file contains account ranges that are not eligible for DCC processing. This file will
be provided by the Host on a regular basis and should be uploaded to the Terminal Management Software.
Updates should be provided to the POS devices at intervals defined by the acquirer.

This file is used to determine if the card is initially eligible for DCC. The POS terminal is to confirm that the card
number being used to perform a transaction does not exist in this file prior to sending a DCC Inquiry to the Host.
Process the transaction as normal if the BIN is present in the file and has a DCC Allowed value of “N”.

DCC Account Range Exclusion Download File

Position Field Description Attribute Comments
1-19 Card Range High 19 A Highest account (card) number in the range.

20-38 Card Range Low 19 A Lowest account (card) number in the range

39-39 DCC Allowed 1A Yes/No flag that specifies if DCC processing is valid
for cards in the specified range.

Terminal Screens and Receipts

Mastercard and Visa have mandated specific information that must be provided to the cardholder for DCC eligible
transactions. All screens and receipts must be submitted to the card association(s) for approval.

The following values are used from the message to present the DCC offer and to produce the DCC receipt:

DCC Offer Screen & DCC Receipts

Field Message Data Element

Sale Amount DE04

Sale Currency DE56-Transaction Currency Symbol

Exchange Rate DE56-Display Rate

Account Charge DE56-DCC Transaction Amount

Account Currency DE5-Cardholder Currency, DCC Transaction Currency Symbol

This section provides sample screens and receipts for both Mastercard and Visa as a template that may be used by
the POS vendor to configure the POS devices.

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Mastercard
The following is a sample screen that provides the details required by Mastercard when offering DCC to a
cardholder at a POS terminal:

Sale with DCC

Sale Amount: 300.00 USD

Terminal Exchange Rate: 1.087 USD/EUR
Account Charge: 275.99 EUR

← DECLINE ACCEPT →

Figure 1 MC DCC Offer screen

A screen must also be presented with the following verbiage that allows the customer to proceed with the
transaction or return to previous screen:

“MAKE SURE YOU UNDERSTAND THE COSTS OF CURRENCY CONVERSION AS THEY MAY
BE DIFFERENT DEPENDING ON WHETHER YOU SELECT YOUR HOME CURRENCY OR THE
TRANSACTION CURRENCY”

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POS Dynamic Currency Conversion Specifications

The following is a sample of the confirmation/notification:

Sale with DCC

MAKE SURE YOU UNDERSTAND THE COSTS OF CURRENCY

CONVERSION AS THEY MAY BE DIFFERENT DEPENDING ON WHETHER
YOU SELECT YOUR HOME CURRENCY OR THE TRANSACTION
CURRENCY

← PREVIOUS ACCEPT →

Figure 2 MC DDC Confirmation/Notification screen

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 POS Dynamic Currency Conversion Specifications

The following is an example of the Mastercard POS transaction receipt when the DCC offer is accepted:

MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DCC STAN: 12345678912
DATE: MMDD, YY TIME: HH:MM

MASTERCARD
***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034
AUTH: 123456

SALE AMOUNT USD 300.00

TOTAL USD 300.00

TERMINAL EXHANGE RATE:

1.087 USD = 1 EUR

TRANSACTION CURRENCY: EUR

TOTAL EUR 275.99 EUR
Signature: ______________________________

“I HAVE CHOSEN NOT TO USE THE MASTERCARD

CURRENCY CONVERSION METHOD AND WILL HAVE
NO RECOURSE AGAINST MASTERCARD CONCERNING
THE CURRENCY CONVERSION OR ITS
DISCLOSURE.”
Figure 3 MC Transaction Accepted Offer Receipt example

Note: You must print the following at the bottom of the receipt: “I HAVE CHOSEN NOT TO USE THE MASTERCARD CURRENCY
CONVERSION METHOD AND WILL HAVE NO RECOURSE AGAINST MASTERCARD CONCERNING THE CURRENCY CONVERSION
OR ITS DISCLOSURE.”

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Mastercard Tip Receipts

The following are samples of the Mastercard receipts for the tip-adjusted model in restaurant application.

MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DCC STAN: 12345678912
DATE: MMDD, YY TIME: HH:MM

MASTERCARD
***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034
AUTH: 123456

SALE AMOUNT USD 300.00

TERMINAL EXHANGE RATE:

1.087 USD = 1 EUR

TRANSACTION CURRENCY: EUR

SALE AMOUNT EUR 275.99 EUR
TIP EUR _______EUR
TOTAL EUR _______EUR
Signature: ______________________________

“I HAVE CHOSEN NOT TO USE THE MASTERCARD

CURRENCY CONVERSION METHOD AND WILL HAVE
NO RECOURSE AGAINST MASTERCARD CONCERNING
THE CURRENCY CONVERSION OR ITS
DISCLOSURE.”
Figure 4 MC DCC Tip Receipt example

Note: You must print the following at the bottom of the receipt: “I HAVE CHOSEN NOT TO USE THE MASTERCARD CURRENCY
CONVERSION METHOD AND WILL HAVE NO RECOURSE AGAINST MASTERCARD CONCERNING THE CURRENCY CONVERSION
OR ITS DISCLOSURE.”

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MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DATE: MMDD, YY TIME: HH:MM

MASTERCARD
***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034
AUTH: 123456

SALE AMOUNT USD 300.00 USD

TIP USD _______USD
TOTAL USD _______USD
Signature: ______________________________

Figure 5 MC Non-DCC Tip Receipt example

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POS Dynamic Currency Conversion Specifications

Visa
The following are sample screens that provide the details required by Visa when offering DCC to a cardholder at a
POS terminal.

Sale with DCC

Sale Amount: 300.00 USD

Terminal Exchange Rate: 1.087 USD/EUR
Markup: 0%
Account Charge: 275.99 EUR

← DECLINE ACCEPT →

Figure 6 Visa DCC Offer screen

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 POS Dynamic Currency Conversion Specifications

The following is an example of the Visa POS transaction receipt:

MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DCC STAN: 12345678912
DATE: MMDD, YY TIME: HH:MM

VISA
***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034
AUTH: 123456

SALE AMOUNT USD 300.00

TOTAL USD 300.00

TERMINAL EXHANGE RATE:

1.087 USD = 1 EUR

MARKUP: 0%
COMMISSION/FEE: EUR 0.00

TRANSACTION CURRENCY: EUR

TOTAL EUR 275.99 EUR
I HAVE BEEN OFFERED A
CHOICE OF CURRENCIES AND
AGREE TO PAY IN EUROS

THIS CURRENCY CONVERSION SERVICE IS

PROVIDED BY MERCHANT NAME

Signature: ______________________________

Figure 7 Visa Transaction Accepted Offer Receipt example

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Visa Tip Receipts

The following are samples of the Visa receipts for the tip-adjusted model in restaurant application.

MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DCC STAN: 12345678912
DATE: MMDD, YY TIME: HH:MM

VISA
***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034
AUTH: 123456

SALE AMOUNT USD 300.00

TERMINAL EXHANGE RATE:

1.087 USD = 1 EUR

MARKUP: 0%
COMMISSION/FEE: EUR 0.00

TRANSACTION CURRENCY: EUR

SALE AMOUNT EUR 275.99 EUR
TIP EUR _______EUR
TOTAL EUR _______EUR
I HAVE BEEN OFFERED A
CHOICE OF CURRENCIES AND
AGREE TO PAY IN EUROS

THIS CURRENCY CONVERSION SERVICE IS

PROVIDED BY MERCHANT NAME

Signature: ______________________________

Figure 8 Visa DCC Tip Receipt example

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 POS Dynamic Currency Conversion Specifications

MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DATE: MMDD, YY TIME: HH:MM

VISA
***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034
AUTH: 123456

SALE AMOUNT USD 300.00 USD

TIP USD _______USD
TOTAL USD _______USD
Signature: ______________________________

Figure 9 Visa Non-DCC Tip Receipt example

No Longer Eligible for DCC Receipt

The following is a sample of the POS transaction receipt when the cardholder initially accepts the DCC offer
during check-in for a lodging application but is no longer eligible for DCC.

MERCHANT NAME
MERCHANT ADDRESS

TERMINAL ID: 12345678

MERCHANT ID: 123456789012345
DATE: MMDD, YY TIME: HH:MM

***********1234
SALE EXP.: **/**
BATCH 000012 TRACE: 000034

SALE AMOUNT USD 300.00 USD

TOTAL USD 300.00 USD
DUE TO REASONS BEYOND OUR CONTROL, THIS
TRANSACTION IS NO LONGER ELIGIBLE TO BE
PERFORMED IN YOUR CARD CURRENCY. WE
APOLOGIZE FOR ANY INCONVENIENCE.

Signature: ______________________________

Figure 10 No Longer Eligible for DCC Receipt example

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