Electronic Dynamic Currency Conversion

Introduction

Our Electronic Dynamic Currency Conversion (eDCC) solution converts your currency transaction amount into the currency of your customers’ card's country of issue.

Using eDCC, you and your customers will benefit from:

• Transparency - Your customers get a real-time view of their transaction amount in the currency they are familiar with, enabling them to make an informed purchase decision
• Compliance – Implement automatically local regulations imposed by payment networks and local governments
• Coverage - Follow-up on eDCC details via our API, Webhooks and Merchant Portal

We will be happy to help you get started!

Apply

The following properties enable eDCC for your order in a CreateHostedCheckout/CreatePayment request for Hosted Checkout Page/Server-to-server/Mobile/Client Integration integration methods:

Depending on the integration method, differences apply:

• Hosted Checkout Page
• Server-to-server / Mobile/Client Integration

Hosted Checkout Page

Follow these steps to create a request for this order:

1. Your customers go to your check-out page and finalise the order
2. You send this CreateHostedCheckout request to our platform, including property dccenabled to indicate you want to use this feature. Our platform will then automatically enable eDCC on that order:

   {
      "order":{
         "amountOfMoney":{
            "currencyCode":"AUD",
            "amount":2980
         }
      },
      "cardPaymentMethodSpecificInput":{
         "currencyConversionSpecificInput":{
            "dccEnabled":true
         }
      }
   }

3. You redirect the customers in the browser to the redirectUrl. Once your customers enter their card number on the payment page, our platform automatically fetches the eDCC rate quote and displays the amount option for both your customers' local currency and your local currency
4. Your customers select their desired currency and confirms the payment
5. We process the transaction and you receive the settlement in your local currency

Server-to-server

Follow these steps to create a request for this order:

1. Your customers go to your check-out page and enters their credit card data to finalise the purchase
2. You send this GetDccRateInquiry request to our platform with the following properties to receive DCC information. You can provide the customer's card details using
   cardNumber
   token
   hostedTokenizationId
   encryptedCustomerInput
   
   cardNumber
   

   {
     "cardSource": {
       "card": {
         "paymentProductId": 1,
         "cardNumber": "4450896052107792"
       }
     },
     "transaction": {
       "amount": {
         "amount": 3000,
         "currencyCode": "EUR"
       }
     }
   }

   
   token
   

   {
      "cardSource":{
         "token":"b2076d9f-b2ce-4488-95aa-25ba8aa1c7ce"
      },
      "transaction":{
         "amount":{
            "amount":1300,
            "currencyCode":"AUD"
         }
      }
   }

   
   hostedTokenizationId

   {
      "cardSource":{
         "hostedTokenizationId":"d153e6ea6a024613ad6bfeff15210f6c"
      },
      "transaction":{
         "amount":{
            "amount":1300,
            "currencyCode":"AUD"
         }
      }
   }

   
   encryptedCustomerInput

   {
      "cardSource":{
         "encryptedCustomerInput":"b2076d9f-b2ce-4488-95aa-25ba8aa1c7ce"
      },
      "transaction":{
         "amount":{
            "amount":1300,
            "currencyCode":"AUD"
         }
      }
   }

3. Our platform returns the base amount in your currency in properties proposal.baseAmount.currencyCode / currency and your customers’ local currency in properties targetAmount.amount / currency. Property rate includes further DCC details (i.e. dccSessionId) about the exchange. Make sure to display both the proposal.baseAmount, the targetAmount.amount and the disclosure guidelines in real time for maximum transparency to your customers before the actual payment
4. Your customers select any of the two currencies on your check-out page
5. You send this CreatePayment to our platform, including properties acceptedByUser to indicate your customers’ choice of currency and the dccSessionId you have received in step 2

   {
     "cardPaymentMethodSpecificInput": {
       "currencyConversion": {
         "acceptedByUser": true,
         "dccSessionId": "44b1ea32125b4cb5a99e15641859dc8d"
       },
       "card": {
         "cardNumber": "4450896052107792",
         "cvv": "123",
         "expiryDate": "1225",
         "cardholderName": "Wile E. Coyote"
       },
       "paymentProductId": 1,
       "skipAuthentication": true,
       "transactionChannel": "ECOMMERCE",
       "authorizationMode": "SALE",
       "returnUrl": "test"
     },
     "order": {
       "amountOfMoney": {
         "amount": 3000,
         "currencyCode": "AUD"
       },
       "customer": {
         "billingAddress": {
           "AdditionalInfo": "b",
           "city": "Paris",
           "countryCode": "BE",
           "houseNumber": "13",
           "state": "Utah",
           "street": "Desertroad",
           "zip": "84536"
         },
         "locale": "fr_FR",
         "merchantCustomerId": "1234",
         "personalInformation": {
           "dateOfBirth": "19490917",
           "gender": "male",
           "name": {
             "firstName": "Wile",
             "surname": "Coyote",
             "surnamePrefix": "E.",
             "title": "Mr."
           }
         }
       },
       "references": {
         "merchantReference": "{{TIMESTAMP}}"
       }
     }
   }

6. We process the transaction and you receive the settlement in your local currency

Transactions

Capture / Refund eDCC transactions

To capture/refund an eDCC transaction, send a standard capture/refund request to our platform.

Get feedback on eDCC transactions

Use our webhooks or any GET request as defined in our API reference to receive detailed information about eDCC transactions in property currencyConversion.

A typical webhook/GET response contains the following properties:

Check processed transactions in Merchant Portal

You can look up DCC details for any transaction via the Merchant Portal. To do so, follow these steps

1. Login to the Merchant Portal and look up the transaction as described in our Merchant Portal guide
2. Find detailed DCC information in the "History" section, including
   Customer currency amount
   Exchange rate
   Markup rate
   Exchange provider
   Exchange source
   Quotation date