Negotiable
2%–4% margin on conversion

Currency Conversion (DCC)

Dynamic Currency Conversion lets foreign customers see prices in their home currency at checkout. Adds 2%–4% to your effective rate; usually not worth it.

Dynamic Currency Conversion (DCC) is offered as a checkout option where international customers can choose to pay in their home currency instead of yours. The catch: the conversion rate is set by the processor and usually includes a 2%–4% margin. Some processors split that margin with the merchant ('rebate'), making DCC look attractive. In practice, most savvy international shoppers decline DCC at checkout — and merchants who push it hard see chargeback rates climb.

The cleaner approach: present prices in your local currency only. Customers' issuing banks will handle conversion at their normal FX rate, which is usually competitive.

Who charges it
Processor / DCC vendor.
Typical range
2%–4% margin on conversion

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