DCC
The DCC service (Dynamic Currency Conversion) is a payment system that allows customers making purchases abroad to choose between two payment methods: in their own currency or in the local currency (if different).
Below is an explanation of how to handle a card capable of performing DCC, both on the PIN Pad and on the provided receipt, depending on whether the customer's currency is from the eurozone or outside the eurozone. It also explains how to handle a Visa card.
Operations with currency outside the European Community
- The operation starts like any other. If the card is capable of performing DCC, the PIN Pad screen will display the option to choose the customer's currency or the currency of the country in which they will pay.
-
If the customer chooses the euro currency, the operation is processed like any other without any difference.
-
If the customer chooses their currency (foreign currency), the receipt of the sale must include the following fields:
These fields are returned in the GetNextMessage call of the integration of our Sipay in-store payment gateway in the Extra Data 1(XML) field.
<DCC>
<EXCHANGE_RATE> Tax. Exchange</EXCHANGE_RATE>
<MARK_UP>Mark up</MARK_UP>
<COMMISION>Commission</COMMISION>
<PERCENT_MARGIN_EXCHANGE_BCE> Only reported for CEU, BCE margin</PERCENT_MARGIN_EXCHANGE_BCE>
<EXCHANGE_RATE_BCE>Only reported for CEU, Tax. Exchange</EXCHANGE_RATE_BCE>
<DCC_CONVERSION_FACTOR>Conversion factor used</DCC_CONVERSION_FACTOR>
<DCC_MERCHANT>Acquiring bank of the transaction</DCC_MERCHANT>
<DCC_AMOUNT>Amount in Currency that the operation has not been performed</DCC_AMOUNT>
<DCC_CURRENCY_CODE>Currency that the operation has not been performed</DCC_CURRENCY_CODE>
</DCC>
Operations with currency from the European Community
-
The operation starts like any other. If the card is capable of performing DCC, the PIN Pad screen will display the option to choose the customer's currency or the currency of the country in which they will pay.
-
If the customer chooses the euro currency, the operation is processed like any other without any difference.
-
If the customer chooses their currency (foreign currency), the receipt of the sale must include the following fields:
These fields are returned in the GetNextMessage call of the integration of our Sipay in-store payment gateway in the Extra Data 1(XML) field.
<DCC>
<EXCHANGE_RATE> Tax. Exchange</EXCHANGE_RATE>
<MARK_UP>Mark up</MARK_UP>
<COMMISION>Commission</COMMISION>
<PERCENT_MARGIN_EXCHANGE_BCE> Only reported for CEU, BCE margin</PERCENT_MARGIN_EXCHANGE_BCE>
<EXCHANGE_RATE_BCE>Only reported for CEU, Tax. Exchange</EXCHANGE_RATE_BCE>
<DCC_CONVERSION_FACTOR>Conversion factor used</DCC_CONVERSION_FACTOR>
<DCC_MERCHANT>Acquiring bank of the transaction</DCC_MERCHANT>
<DCC_AMOUNT>Amount in Currency that the operation has not been performed</DCC_AMOUNT>
<DCC_CURRENCY_CODE>Currency that the operation has not been performed</DCC_CURRENCY_CODE>
</DCC>
Operations with Visa Card
If the transaction is made with a VISA card, additionally, the receipt must include the mandatory disclaimer for the brand.
To identify the card brand and determine whether the specific disclaimer for VISA should be included or not, they will be returned in the response of GetNextMessage from the integration of our Sipay in-store payment gateway in the Extra Data 1(XML) field in the Card_Info section.
<CARD_INFO>
<BIN>Bin</BIN>
<FAMILY_ID>Card Brand Code see Reference 3.1</FAMILY_ID>
<FAMILY_NAME>Brand Name</FAMILY_NAME>
<EMIT_BANK_CODE>Issuing Bank Code</EMIT_BANK_CODE>
<EMIT_BANK_NAME>Issuing Bank Name</EMIT_BANK_NAME>
<ADQ_BANK_CODE>Acquiring Bank Code</ADQ_BANK_CODE>
<ADQ_BANK_NAME>Acquiring Bank Name</ADQ_BANK_NAME>
<BANK_NETWORK>Banking Network</BANK_NETWORK>
<FUNCTION_ID>Card Function Code see Reference 3.2</FUNCTION_ID>
<FUNCTION_NAME>Card Function Name</FUNCTION_NAME>
</CARD_INFO>
Brand Listing
| CODE | DESCRIPTION |
|---|---|
| '10' | 'SIN ASIGNAR' |
| '20' | 'VISA' |
| '25' | 'VISA ELECTRON' |
| '30' | 'MASTERCARD' |
| '35' | 'MAESTRO' |
| '40' | 'GASOLEO' |
| '43' | 'TARJETA 4B' |
| '45' | 'TARJETA EURO6000' |
| '50' | 'AMERICAN EXPRESS' |
| '60' | 'UPI' |
| '70' | 'DISCOVER' |
| '80' | 'JCB' |
| '82' | 'CITICORP' |
| '83' | 'CLAU' |
| '85' | 'TRANSPONDEDORES' |
| '86' | 'ACCESS CARD' |
| '90' | 'DINERS CLUB' |
| '95' | 'MULTIBANCO PORTUGAL' |
| '96' | 'PRIVADA' |
| '97' | 'PRIVADA MANGO' |
| '98' | 'GIFT CARD' |
| '99' | 'OTRAS' |
Card Type
| CODE | TYPE |
|---|---|
| '1' | 'CREDIT' |
| '2' | 'DEBIT' |
| '3' | 'MIXED' |