What is Dynamic Currency Conversion (DCC)?

DCC offers international cardholders the ability to pay a fixed value in their own currency at the checkout, with no hidden fees for merchants or cardholders as you and your customers know exactly what they are paying. Merchants then benefit from a share of the DCC fee for each transaction.

Expand your business reach while earning extra revenue for foreign exchange transactions with Dynamic Currency Conversion (DCC). If you want to expand or are already operating your ecommerce business outside of the UK, have you considered how international shoppers want to pay for your products? Your UK registered business can offer international cardholders the option to pay in currencies they recognise. Visa and Mastercard cardholders will often be charged foreign transaction fees and currency conversion fees by banks when they spend overseas. The total fees and exchange rates are often unknown until the transaction appears on the cardholder statement.

Payment Methods that Grow your Business

Create a Revenue Stream

Receive a percentage of each converted DCC currency transaction.

Simple Set Up

Through a selection of Cardnet’s integrated and standalone point of sale solutions. Or via your existing website or point-of-sale systems.

No Hidden Costs

Transaction processing costs won’t increase if you add DCC.

Ready to add DCC?

Ready to add DCC?

If you are an existing customer please call 01268 567100. Lines are open 8am to 9pm Monday to Saturday. For new Cardnet customers, please fill in our contact form and we’ll get back to you. Alternatively you can call us on 0330 134 7976. Lines are open 9am to 5pm Monday to Friday.

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DCC example


In this example DCC is available through our Clover terminal

  • The image shows the offer made to a cardholder with a Euro-issued card.
  • The cardholder is shown the amount in GBP and Euro including the exchange rate and the added DCC fee.
  • If the cardholder decides to pay in Euros the amount on the terminal is the exact amount that will be debited.
  • The merchant receives the transaction converted to the original GBP value as well as a share of the DCC fee.
Clover terminal

Why Choose Cardnet for your DCC Service?

  • Fully registered and Scheme compliant solutions.
  • Receive a revenue for converted DCC transaction.
  • Quick and easy set up.

Can my business apply?

DCC is available to businesses of all sizes that sell their product overseas or in-person to international cardholders.

Ecommerce – the business legal entity must be UK registered.

Face-to-Face – the business legal entity must be UK registered with premises in the UK.

Frequently asked questions