# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com # Dynamic Currency Conversion Dynamic Currency Conversion (DCC) allows cardholders to make purchases in a foreign country using their home currency. ## How DCC works When a cardholder makes a purchase, the payment terminal detects that the card is issued in a different currency. The Payment Terminal Application prompts the consumer to choose whether to pay in the cardholder's billing currency or the local currency. If the cardholder opts for DCC, the conversion rate is applied immediately, and the amount displays in the cardholder's billing currency. DCC provides the following benefits. - Convenience: With the transaction in the cardholder's billing currency, the consumer knows the exact amount without having to calculate the conversion separately. The exact transaction amount allows the consumer to budget and prevents unknown charges on the bank statement. - Transparency: With real-time visibility of the exchange rate and associated fees, the consumer makes an informed decision about the purchase. - Financial incentive: The merchant participates in the DCC revenue sharing model, which offsets the cost of transaction acceptance. ## Merchant funding You receive funds in the settlement currency of your merchant account, regardless of whether the consumer elects to use DCC for a transaction. ## DCC processing DCC is processed using real-time quotes from Fexco (our DCC provider). During periods of high currency volatility or when Fexco is unavailable, DCC is not offered and transactions are processed in the merchant's local currency. Most cards issued in a currency different from the merchant's local currency are eligible for DCC, but some are not. Specific qualifying conditions prevent a transaction from being offered DCC. DCC is available for Visa and Mastercard. ## Setup Work with us to set up DCC on your merchant account to begin accepting DCC payments. Terminals enabled for DCC require specific configurations. ## API integration After the terminal is configured and enabled, the DCC offering is automatically determined by the payment application. No API request fields need to be modified to enable DCC processing on the authorization, sale, incremental authorization, and completion. Send `dccOriginalCurrency` in a refund request to indicate the original currency of the sale or completion. If not provided, the merchant's local currency is assumed even if the card qualifies for DCC and DCC is enabled. Example value: `EUR` For a transaction processed in the cardholder's billing currency, the API response contains the following fields specific to DCC: **Billing currency API responses** | Field | Description | | --- | --- | | dccIndicator | Present if DCC is enabled. Value: - 0 = DCC not offered - 1 = DCC offered and opted in - 2 = DCC offered and opted out | | dccBillingCurrency | If DCC is offered and opted in, this field contains the transaction foreign currency. | | dccBillingAmount | If DCC is offered and opted in, this field contains the converted transaction amount. | | dccExchangeRate | If DCC is offered and opted in, this field contains the conversion rate. | | dccProvider | If DCC is offered and opted in, this field contains the DCC provider name. | | dccMarkup | If DCC is offered and opted in, this field contains the applied conversion mark-up percentage. | | currencyCode | Contains the local currency code in ISO 4217 format, for example USD. | | authorizedAmount | The authorized amount in the local currency. For partial authorizations, this field contains a lower amount than the requested amount. | The following request and response samples are an example of a sale transaction with DCC enabled. DCC content appears in the response message. For a complete Sale response message, refer to the [Sale API section of Card transactions](https://developer.payments.jpmorgan.com/docs/commerce/in-store-payments/capabilities/payment-terminal-application/card-transactions#sale). **Request** ```json { "operation": "Transaction", "requestedAmount": "100", "type": "SALE", "taxAmount": "20", "uniqueTransactionId": "ABCDEFGH12345678-01" } ``` **Response** > The EMV tags have been removed from the response message for brevity. > ```json { "AC": "E8FE0437966EB206", "AID": "A0000000041010", "ARC": "3030", "IAD": "0210A04003240000000000000000000000FF", "PARData": "50015SADU749EWKT0NDTT1ABV8277", "TSI": "E000", "TVR": "0000008001", "account": "546260******1063", "accountType": "0", "approval": "approved", "approvalMode": "ISSUER", "authCode": "019177", "authorizedAmount": "120", "balance": "0", "batchJulianDay": "175", "batchNumber": "000001", "cardBrand": "MASTERCARD", "cardTypeProcessed": "1", "cardholderLanguage": "en", "cardholderReceipt": "\n TEST\n\n\nMerc. ID: 99999999\nTerm. ID: 003\nRRN: 175123143347\nWed,Jun 24,2026 12:31:43\n\n SALE\n\n APPROVED\n\n No Signature Required\n\n ************1063\nMASTERCARD Contactless\n\nAMOUNT $1.00\nTAX1 $0.20\nSUBTOTAL $1.20\n ____________________\nTOTAL $1.20\n\nEXCHANGE RATE\n 1 USD \u003d 0.7915 GBP\n\nMARK-UP 4.0%\n\nTRANSACTION AMOUNT\n GBP 0.95\n\n I have been offered a \n choice of Currencies and \n agreed to pay in Pound \n sterling (GBP).\n\n Dynamic Currency \n Conversion (DCC) is \n offered by FEXCO.\n\nTransaction ID:\n 1750000011000003\nBatch#: 175-001\nApproval Code: 019177\n \n\nBOI MASTERCARD\nAID: A0000000041010\n\n *** Customer copy ***\n\n Thank you\n Please come again\n", "cashbackAmount": "0", "commercialCardType": "0", "currencyCode": "USD", "cvm": "NO CVM", "dateTime": "06-24-2026 12:31:43", "dccBillingAmount": "95", "dccBillingCurrency": "GBP", "dccExchangeRate": "0.7915", "dccIndicator": "1", "dccMarkup": "4000", "dccProvider": "FEXCO", "demoMode": "no", "dueAmount": "0", "emvTags":"..." //Removed for brevity "entryMode": "Contactless", "expDate": "2803", "footerLine1": "Thank you", "footerLine2": "Please come again", "headerLine1": "TEST", "merchantID": "99999999", "merchantReceipt": "\n TEST\n\n\nMerc. ID: 99999999\nTerm. ID: 003\nRRN: 175123143347\nWed,Jun 24,2026 12:31:43\n\n SALE\n\n APPROVED\n\n No Signature Required\n\n ************1063\nMASTERCARD Contactless\n\nAMOUNT $1.00\nTAX1 $0.20\nSUBTOTAL $1.20\n ____________________\nTOTAL $1.20\n\nEXCHANGE RATE\n 1 USD \u003d 0.7915 GBP\n\nMARK-UP 4.0%\n\nTRANSACTION AMOUNT\n GBP 0.95\n\n I have been offered a \n choice of Currencies and \n agreed to pay in Pound \n sterling (GBP).\n\n Dynamic Currency \n Conversion (DCC) is \n offered by FEXCO.\n\nTransaction ID:\n 1750000011000003\nBatch#: 175-001\nApproval Code: 019177\n \n\nBOI MASTERCARD\nAID: A0000000041010\n\n *** Merchant copy ***\n\n Thank you\n Please come again\n", "operation": "Transaction", "preferredName": "BOI MASTERCARD", "reference": "175123143347", "requestedAmount": "100", "responseCode": "00", "result": "0", "safState": "-1", "safSubmissionState": "0", "shift": "1", "signatureRequired": "no", "subTotalAmount": "120", "surchargeAmount": "0", "surchargeFixed": "0", "surchargePercentage": "0", "table": "0", "taxAmount": "20", "taxAmount2": "0", "taxLabel": "Tax1", "taxLabel2": "Tax2", "terminalID": "003", "tipAmount": "0", "totalAmount": "120", "transactionID": "1750000011000003", "transactionType": "SALE", "type": "SALE", "uniqueTransactionId": "ABCDEFGH12345678-01" } ``` ## DCC operation flows The following sections provide an overview of how DCC operates for each of the supported transactions: - [Sale and authorization](/docs/commerce/in-store-payments/capabilities/payment-terminal-application/dynamic-currency-conversion#sale-and-authorization) - [Incremental authorization and completion](/docs/commerce/in-store-payments/capabilities/payment-terminal-application/dynamic-currency-conversion#incremental-authorization-and-completion) - [Refund](/docs/commerce/in-store-payments/capabilities/payment-terminal-application/dynamic-currency-conversion#refund) > > - DCC functions begin only when the DCC provider returns a rate offer. > > - The payment application waits no more than 5 seconds for a rate offer. After 5 seconds, the transaction uses the merchant's local currency. > ### Sale and authorization A sale or authorization transaction qualifies for DCC when all of the following conditions are met: - DCC is enabled for the terminal. - The card has a different currency than the merchant's local currency. - The transaction amount is greater than the minimum allowed for DCC. - The card is Visa or Mastercard. - For Mastercard, if the consumer taps the card, the amount is greater than Mastercard's contactless cardholder verification method (CVM) limit. - The DCC provider is online and provides a conversion rate offer. If the preceding conditions are met, the payment terminal prompts the cardholder with two choices: 1. Pay in the cardholder's billing currency. The transaction processes in the foreign amount and currency. 2. Pay in the merchant's local currency. The transaction resumes processing with no changes. ### Incremental authorization and completion An incremental authorization transaction qualifies for DCC when the following conditions are met: - The original authorization transaction includes a DCC offer and acceptance by the consumer. - The DCC provider is online and provides a conversion rate offer. DCC qualification rules for a completion transaction depend on the following completion statuses: **Completion status for DCC** | Does the transaction qualify for DCC? | Completion status | | --- | --- | | Yes | Completion is performed using the offered currency and rate. | | No | Completion is perfomed in the local currency. | | Qualification fails | Completion fails at the terminal and can be retried. | If the preceding conditions are met, the Payment Terminal Application processes the incremental authorization or completion transaction with DCC at the currently available conversion rate. ### Refund For transactions processed with DCC, refund the consumer in the cardholder's billing currency when possible. The point-of-sale (POS) must provide the currency from the original sale as the Payment Terminal Application does not store transaction history applicable to reconcile a refund with a previous sale. When DCC applies to the transaction, send the field `dccOriginalCurrency` in the refund request. If the POS does not provide a currency, or the currency does not match the offer from the DCC provider during the refund, then DCC is not applied and the refund processes in the merchant's currency. A refund transaction qualifies for DCC when all of the following conditions are met: - DCC is enabled for the terminal. - The POS indicates a currency other than the merchant's local currency in the refund API request in the field dccOriginalCurrency. - The card from the original sale has a different currency than the merchant's local currency and matches the currency provided by the POS. - The DCC provider is online and provides a conversion rate offer. If the preceding conditions are met, the Payment Terminal Application processes the refund transaction with DCC at the currently available conversion rate. ## Receipt requirements When DCC is offered and accepted by the cardholder, the sale, authorization, incremental authorization, and completion receipts must include the following elements: - Total sale amount - currencyCode authorizedAmount - Exchange rate - 1 currencyCode = dccExchangeRate dccBillingCurrency - Mark-up - dccMarkup - Transaction amount - dccBillingCurrency dccBillingAmount - Disclosure - I have been offered a choice of Currencies and agreed to pay in dccBillingCurrency. - Dynamic Currency Conversion (DCC) is offered by dccProvider - Disclosure required for authorization only - The exchange rate and transaction amount listed are not final. They are subject to change based on the prevailing rate of exchange at the time of the final sale. > Obtain advance approval from J.P. Morgan Payments to change the approved disclosures. > For a refund, include the following elements: - Total sale amount - currencyCode authorizedAmount - Exchange rate - 1 currencyCode = dccExchangeRate dccBillingCurrency - Mark-up - dccMarkup - Transaction amount - dccBillingCurrency dccBillingAmount - Disclosure - Dynamic Currency Conversion (DCC) is offered by dccProvider. The following receipts are examples of a DCC sale receipt and a DCC refund receipt. ![Two sample credit card transaction receipts display required fields for sale with DCC and refund with DCC.](/api/download/en/docs/commerce/in-store-payments/capabilities/payment-terminal-application/cf-dynamic-currency-conversion/DCC_sale_refund_receipts_example.png?type=image)