Dynamic Currency Conversion (DCC)

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Overview

Dynamic Currency Conversion (DCC) allows international shoppers to pay in their home currency when making a purchase at a merchant abroad. Through Shift4's Commerce Engine and Global Blue (a Shift4 Company), DCC is offered seamlessly during the payment flow on the device — no additional POS development is required to present the conversion offer.

Merchants will find value by providing a better checkout experience for international customers, which can increase conversion rates and customer satisfaction.

Shoppers will find value by seeing the transaction amount in their home currency at the point of sale, giving them transparency and control over the exchange rate before completing the purchase.

When a DCC-eligible card is detected during a transaction, Commerce Engine automatically performs a rate lookup and presents the currency conversion offer to the cardholder on the payment device. The cardholder can accept or decline the offer. The transaction response returned to the POS includes the dcc object with full conversion details.

Availability

Merchant Countries

DCC is currently available for merchants in the following countries:

Supported Cardholder Currencies

When a foreign card is detected, Commerce Engine can offer conversion to the following cardholder currencies:

Requirements

The following are required to support DCC:

1. Card Present Integration with Commerce Engine — A card present integration with Commerce Engine, either on-premise or cloud-based.
2. DCC-Enabled Merchant — The merchant must be enabled for DCC processing.
3. Receipt Handling — The POS app must include DCC-specific fields on the printed receipt when currency conversion is offered, unless it uses the pre-formatted receipt provided by Commerce Engine.

How It Works

The following describes the end-to-end DCC flow during a transaction:

1. The POS app sends a transaction request (e.g., Sale) to Shift4 via Commerce Engine.
2. Commerce Engine detects that the card may be eligible for DCC and performs an eligibility check and rate lookup on Global Blue's rate lookup service. If the card is eligible, the payment device displays the currency conversion offer to the cardholder, showing the transaction amount in both the merchant's local currency and the cardholder's home currency.
3. The cardholder selects their preferred currency on the payment device.
4. Shift4 processes the transaction with the cardholder's selection. The transaction response to the POS includes the dcc object with the conversion details and the conversionIndicator reflecting the cardholder's choice.

Shift4 Transaction Response Data

The dcc Object

When DCC is offered during a Commerce Engine transaction, the response includes the dcc object with the following fields:

Conversion Indicator Values

The conversionIndicator field reflects the cardholder's decision:

Example Transaction Response

Below is an example response showing the dcc object when the cardholder opts into DCC:

{
  "result": [
    {
      "dateTime": "2026-02-15T10:30:00.000-05:00",
      "currencyCode": "GBP",
      "amount": {
        "total": 150.00
      },
      "card": {
        "token": {
          "value": "8044540000000043"
        },
        "entryMode": "C",
        "type": "VS",
        "number": "XXXXXXXXXXXX0043",
        "present": "Y"
      },
      "merchant": {
        "mid": 15877,
        "name": "Merchant XYZ"
      },
      "transaction": {
        "invoice": "192029",
        "retrievalReference": "402F9H0230S0",
        "saleFlag": "S",
        "responseCode": "A",
        "authorizationCode": "123456"
      },
      "dcc": {
        "rateTimeStamp": "2026-02-15T10:30:02.125-05:00",
        "currencyCode": "EUR",
        "foreignAmount": 177.00,
        "conversionRate": "1.18",
        "marginPercentage": "3.50",
        "currencyMinorUnits": 2,
        "transactionId": "1A2820D2G334",
        "conversionIndicator": "1",
        "supportIndicator": "1",
        "diffOverEcb": "0.35",
        "displayUnit": 0,
        "provider": "GLOBAL_BLUE"
      }
    }
  ]
}

See the Sale endpoint for an example of the complete response schema.

POS Responsibilities

As described above, Commerce Engine handles the DCC offer automatically. The POS app's responsibilities are limited to:

Required: Receipt Printing

When conversionIndicator is 1 (converted), the POS must include DCC-specific fields on the printed receipt. See Receipt Printing Requirements below.

Optional: Storing DCC Data

The POS may store the dcc object fields for informational or reporting purposes. This data is not required for follow-up transactions — the Shift4 backend retains the DCC details and applies them automatically.

Refunds

When refunding a DCC transaction, the POS must use a linked refund by including transaction.originalInvoice in the Refund request. This links the refund to the original transaction and ensures the backend applies the original DCC details automatically. No dcc object is needed in the refund request.

{
  "dateTime": "2026-02-15T10:30:00.000-05:00",
  "amount": {
    "total": 150.00
  },
  "card": {
    "present": "Y"
  },
  "clerk": {
    "numericId": 1576
  },
  "transaction": {
    "invoice": "192050",
    "originalInvoice": "192029"
  }
}

Receipt Printing Requirements

When the cardholder opts into DCC (dcc.conversionIndicator is 1), the POS must include DCC-specific fields on the printed receipt. If the cardholder declines (0) or DCC is nonconvertible (2), DCC data is not printed.

DCC Receipt Fields

Sample DCC Receipt

         Sample Store
        123 High Street
       London, W1D 1BS UK
         +44 20 7946 0958

02/15/2026                   12:54:38
MID: XXXXXXXXXXXX9137
TID: XXX2946

                Purchase

Mastercard Credit    ************6405
Entry Mode:               CONTACTLESS
CVM:                     PIN VERIFIED

Invoice                        192029
Clerk                              16

Total Amount            GBP£   111.00

EXCHANGE RATE 1 GBP = 1.3383 USD

INCLUDES 1.5025% OVER WHOLESALE RATE

TRANS CURRENCY                    USD
TRANS AMOUNT                   148.55

I HAVE BEEN OFFERED A CHOICE OF
PAYMENT CURRENCIES INCLUDING USD

THIS CURRENCY CONVERSION SERVICE IS
OFFERED BY THE MERCHANT

Response:                    APPROVED
Auth Code:                     217983

AID:                   A0000000041010
TVR:                       0820000000
IAD:                     092B302A9104
TSI:                             C800
ARC:                               00

            CUSTOMER COPY

For the complete list of DCC raw receipt tags, see the DCC Receipts section in the Printing Receipts guide.

Compliance

EU Cross-Border Payments Regulation

For transactions involving most European currency pairs (e.g., GBP to EUR, EUR to DKK), EU Regulation 2021/1230 requires transparency around the exchange rate markup. The dcc object includes two fields to support this:

• diffOverEcb — The difference between the offered rate and the European Central Bank (ECB) reference rate, expressed as a percentage.
• marginOverEcb — The markup of the offered rate over the ECB reference rate, expressed as a percentage.

These fields are only returned for currency pairs that fall within the scope of the regulation. Commerce Engine and the payment device handle the required disclosures automatically.

Cardholder Choice

Card scheme rules (Visa, Mastercard) require that DCC is always offered as a choice — the cardholder must be able to accept or decline the conversion. Commerce Engine enforces this by presenting the offer on the payment device and recording the cardholder's decision in conversionIndicator.

Receipt Disclosure

When a cardholder opts into DCC, the printed receipt must include the exchange rate, markup, converted amount, and disclaimer text. These fields are provided by Commerce Engine in the receipt data. See Receipt Printing Requirements above.