Added Value for your Customers.
Added Revenue for your Business.
Dynamic Currency
Conversion (DCC) for ATMs
With the help of the value-added ATM service Dynamic Currency Conversion (DCC), foreign cardholders can choose to withdraw their money in their home currency rather than the local one. In addition to improving the traveler experience, this feature gives ATM operators another source of income.
What is Dynamic Currency
Conversion (DCC)?
Dynamic Currency Conversion is a real-time foreign exchange option offered at ATMs for international cardholders. When a card from another country is inserted, the ATM detects the card’s origin and displays the equivalent withdrawal amount in the cardholder’s home currency before the transaction is completed.
How Does DCC Work at an ATM?
The ATM recognizes the customer’s foreign card.
The screen offers the option to convert the withdrawal amount into the customer’s home currency.
The customer sees the exchange rate and any conversion fee upfront.
If the customer accepts, the ATM processes the transaction using the DCC rate; if declined, the card issuer handles the currency conversion.
This process is transparent, giving cardholders the choice to see their exact home currency amount before approving the transaction.
Why Offer DCC on Your ATM?
DCC can help your business capture additional revenue from international transactions without changing how you already operate your ATM network.
New ATM revenue stream
In additin to the current surcharge revenue, ATM operators receive a portion of the currency conversion margin or fee on DCC transactions.
Attract international users
Offering a choice of currencies attracts tourists and travelers from around the world, boosting ATM use in high-traffic destinations.
Enhanced customer experience
With upfront exchange rate visibility, travelers value being able to see the withdrawal cost in their own currency.
Zero cost to deploy
DCC is typically enabled through software and network settings rather than physical hardware changes, keeping implementation simple and low-cost.
In additin to the current surcharge revenue, ATM operators receive a portion of the currency conversion margin or fee on DCC transactions.
Attract international users
Offering a choice of currencies attracts tourists and travelers from around the world, boosting ATM use in high-traffic destinations.
Enhanced customer experience
With upfront exchange rate visibility, travelers value being able to see the withdrawal cost in their own currency.
Zero cost to deploy
DCC is typically enabled through software and network settings rather than physical hardware changes, keeping implementation simple and low-cost.
DCC is especially profitable for ATMS located in:
Hotels
Airports
Tourist Districts
Metropolitan Area
Entertainment Venues
FAQ
What is DCC revenue on international ATM transactions?
DCC revenue comes from the currency conversion rate applied when a foreign cardholder accepts the home-currency pricing option. The ATM operator receives a commission or a percentage of that conversion margin as additional income.
Which business locations will benefit most with DCC?
- Hotels
- Airports
- Tourist districts
- Major metropolitan areas
- Entertainment venues
Do cardholders have to use DCC at ATMs?
No. Cardholders always have the option at the ATM screen to accept the DCC offer or proceed with a standard local currency withdrawal, in which case the conversion is handled by their own bank.
Is DCC transparent for customers?
Yes. To help ensure informed consent, a compliant DCC implementation shows the exchange rate, fees, and home currency equivalent before the cardholder confirms the transaction.
How can ATM operators enable DCC?
DCC is typically activated through your ATM processor or gateway. Once enabled, the ATM software automatically detects eligible international cards and prompts the currency conversion offer. Speak with your ATM processor to configure and optimize your DCC setup.
Get Started with DCC for Your ATM Business
Offering Dynamic Currency Conversion (DCC) can elevate your ATM services, attract global cardholders, and unlock new revenue without added operational burden. Contact us to learn how DCC can enhance your ATM value-added services.