What is Dynamic Currency Conversion (DCC)?

Dynamic currency conversion is a service that allows EVO UK merchants to offer international Visa and MasterCard cardholders the option to pay in their home currencies, allowing them to see the true cost of their transactions at the time of purchase rather than when their credit card bill arrives. EVO UK offers this currency conversion service in over 30 currencies from all over the globe.

Benefits for your business


Improved customer experience

By accepting DCC you can provide your international customers with a more familiar experience as they can pay in their home currency.


Increased sales potential

Gain additional sales potential and/or increase the number of international customers.

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Earn a rebate

With EVO UK you can earn a rebate from every DCC transaction you process.

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No additional charges

Adding DCC to your EVO UK terminal is completely free of charge and doesn’t carry any additional fees.

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Reduce chargebacks and disputes

With DCC there are no exchange rate surprises for your customers when they receive their statements.

DCC – EU Changes 2020


Revised EU cross-border payment regulations covering transparency requirements for Dynamic Currency Conversion (DCC) are being implemented across the EU. The new EU legislation states that for any DCC transaction where the payment card is issued in the European Economic Area (EEA) and the merchant is EEA based, there will be a mark-up percentage displayed over a rate published by the European Central Bank. In essence this will provide more transparency to consumers concerning the option to pay in their home currency by choosing DCC at Point of Sale, or have their card issuer convert the transaction (at bank) at a later date.


The purpose of the below FAQ’s are to provide an overview of new EU legislative requirements and how they impact on Dynamic Currency Conversion.

What is DCC?

DCC stands for Dynamic Currency Conversion. DCC is a service that gives international cardholders the choice to pay in their home currency.

What is changing?

New EU legislation states that for any DCC transaction where the card is issued in the European Economic Area (EEA) and the merchant is EEA based, there will be a mark-up percentage displayed over the European Central Bank (ECB) exchange rate. This will show cardholders how much, as a percentage, they will pay for the conversion in comparison to the ECB exchange rate.

So whenever a merchant’s and cardholder’s currencies are both from within the EEA and the cardholder’s card is issued in a different home currency to that of the merchant, the cardholder must have the DCC transaction amount and exchange rate option presented to them on the card terminal screen and the percentage over the ECB exchange rate. The transaction receipt will also display this information for the cardholder’s future reference. The software on your EVO card terminal will be updated to ensure compliance with these changes.

When will these changes become effective?

The regulations came into force on 19th April 2020, however updates will continue to be rolled-out after this date as it is understood that some customers are not trading due to COVID-19 restrictions. We will notify merchants by email once your terminal(s) is due to be updated.

How do I tell which currencies belong to the European Economic Area (EEA)?

The following are the non-Euro currencies within the EEA:

  • Bulgaria (Lev)
  • Croatia (Kuna)
  • Czech Republic (Koruna)
  • Denmark (Krone)
  • Hungary (Forint)
  • Poland (Zloty)
  • Romania (Leu)
  • Sweden (Krona)
  • United Kingdom (GBP)

Once your terminal software has been updated it will automatically identify payment scenarios where the card currency and local currency both belong to the EEA and will adjust the POS screen display and receipt display accordingly.

Why are these changes being made?

These changes are being made to comply with ECB regulations.  The existing card association scheme rules are unchanged.

For EU currencies only, the total DCC charges for the transactions should be expressed as a percentage mark-up over the latest available ECB rate (the mark-up).  There are no changes to non-EU currencies.

How will the card terminal screen display change?

For EU transactions within the EEA the terminal screen will look as follows.

For non-EU transactions within the EEA the terminal process will look as follows.

How will the transaction receipt display the required changes?

MasterCard – EU transaction

MasterCard – Non EU

Visa – EU transaction

Visa – Non-EU

Do I need to take action in order to activate these changes on my card terminal?

If you have an EVO card terminal you do not need to take any action. We will automatically update your terminal through an overnight update to comply with the regulations.

If you have a device supplied by a Third Party, please contact them directly to confirm when  these  are available.

Does this affect my customers? Will they be charged more than before?

No. The change to display the DCC mark-up % over the ECB rate will be displayed for comparison purposes only for EU currencies. There will be no change to how your customers are charged.

Does this change affect my business? Will my DCC rebate decrease?

If your card terminal is provided by EVO, your DCC Rebate with EVO will stay the same as before.

If you have a device supplied by a Third Party, please contact them directly to answer this.

Can I opt-out of this change?

This change is regulated by the European Central Bank so it cannot be opted out from and EVO must be fully compliant with the EU regulations. This is simply a slight change in process to ensure compliance with EU regulations, your DCC Rebate rate and all DCC-related charges applicable to your customers will not change.