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Dynamic Currency Conversion (DCC)
Updated over a month ago

What is Dynamic Currency Conversion?

Dynamic Currency Conversion is a service, which allows cardholders to choose between paying in their home currency or the merchant's.

How Dynamic Currency Conversion works

A merchant's customer has an alternative option to pay for his goods. With DCC the merchant can offer his client the option to pay in his home currency with the Best Rate Guarantee. The amount is final and fixed.

  1. When the cardholder taps their card on the Card terminal or inserts the card details in Smart Checkout, the service is activated

  2. The card's currency is detected

  3. The cardholder must select the preferred currency on the POS screen or Smart Checkout and complete the payment

The amount will be settled to the merchant in their local currency

The service is enabled when:

  1. The cardholder's card is issued by Visa or Mastercard

  2. The cardholder's card currency is not the same as the merchant's currency

Sales transaction with Card Terminal

Sales transaction with Smart Checkout

A screenshot of a mobile application

Description automatically generated

A merchant can refund or cancel an online payment through his Selfcare, from his viva.com account, where the relevant information about the conversion is visible. Original transaction's exchange rate & service rate are being respected when a refund is applied.

How to enable the Dynamic Currency Conversion service

The feature can be enabled and disabled by the merchant by raising a request to Customer Support

For terminals, currencies and features supported with Dynamic Currency Conversion you can check here.

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