Typical DCC payments consist of two requests:
- A CURRENCYRATE request – This is used to retrieve an up-to-date conversion rate from a DCC provider. This is processed while the customer is on the Payment Pages, prior to confirming the purchase. We use this information to calculate the amount in the customer’s local currency and display this as an option for payment.
The customer will be offered a choice to pay in either the currency you specify in the POST, or the local currency associated with their card. (If these two currencies are the same, the payment will be processed immediately in this currency).
- An AUTH request – Once the customer has decided on the currency for the payment, an AUTH request is processed. This is to request the customer’s bank to authorise the payment in the customer’s preferred currency.
What the customer sees
The customer is initially shown the payment choice page, where they can select the payment type that they wish to use. This differs from the normal choice page in that the amount is initially hidden. This is because the currencies and respective amounts to be offered to the customer have yet to be established. This comes after the customer enters their payment details on the next page.
If the customer chooses a payment type that supports DCC, they are informed that they are able to pay in an alternative currency to the currency submitted in the POST. Here they will be able to see the amount in the currency you submitted in the request.
We will use the card number (PAN) entered by the customer to establish their local currency, by submitting the information in a CURRENCYRATE request. The conversion rate partner will supply a conversion rate that is used to convert the amount in the currency you submitted in the request to an amount in the customer’s local currency.
If the cardholder’s local currency is the same as the submitted currency, the customer will not be shown a conversion rate and instead will process the payment in this currency (skipping the currency choice page described below).
The amounts in both currencies are displayed on the currency choice page. The customer will be able to choose between paying in either currency.
Once the payment currency has been selected, a subsequent AUTH request will be processed by your acquiring bank. This uses the currency and respective amount chosen by the customer on the Payment Pages.
Following a successful DCC payment, the customer is shown the response page with details of the transaction processed. This includes information on the currency conversion performed on the transaction.