Does G Pay, Apple Pay etc help to avoid DCC?

Been in Greece and using G Pay abroad for the first time, so did some experimenting. G Pay or contactless card, no DCC problems. Chip 'n pin and every time had to challenge the currency choice of GBP rather than EUR. Used same outlets for both types and cards issued by 2 different banks. Non-scientific but I thought interesting.


Yes, contactless terminals don’t get the chance to read the country code before authorizing.


If you ever need another solution… Metal cards are issued in France, so they get no DCC in Euro countries either.


It’s more complex than this. They are still technically UK issued, but they’ve implemented account ranges now to identify regions. This is why you now can add it to your iTunes account. (If they would be issued in France, this would only work for French iTunes customers.)

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I’m wondering this too. I’ve seen DCC happen in Spain on a contactless Revolut card payment. The PIN had to be entered because it was over the Spanish €20 contactless limit, after which a question appeared on the card terminal asking whether to process the transaction in GBP. But with Apple Pay, the transaction amount is immediately confirmed to the card holder’s iPhone, so there might be no opportunity for DCC. Also Apple might not allow the currency and amount to be changed.

I do hope that Apple Pay and Google Pay will kill DCC.


I remember vaguely someone reporting that a Spanish contactless terminal showed a DCC prompt after tapping, without PIN. But that seems odd.

Up till now, I was never asked for DCC in Switzerland with GPay (only active since two weeks or so in Switzerland) backed by a Revolut MC with UK BIN up till this morning. Paid CHF 42, no pin required as usual, but the DCC question appeared to choose between GBP and CHF. Very disappointing!

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Merchants and acquirers have been breaching DCC rules for years. Therefore I had little optimism that MasterCard’s new rules would make any difference. This doesn’t surprise me.

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Bad News. Paying with Visa with UK BIN shows DCC Panel when using Apple Pay. I guess I‘m going to switch to the MasterCard with Swiss-BIN to avoid this.

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Was this in Switzerland?

Yes. That is true. …(this 20 Char Minimum is annoying just to answer „yes“)


you can just add “twentytwenty…” or “202020202020…” at the end. it’s a common practice here.


Ah now I know what that would be for :joy:


It seems like DCC is increasing again in Switzerland. I used to have a very low number of DCC prompts if paying by NFC.
Recently my colleague had DCC with Apple Pay in a Coop Bau&Hobby and I again had it with my barber with Google Pay and some other location I can’t remember which it was.

So neigter the Prepaid-Multicurrency-No-DCC rule nor the NFC-no-DCC seems to work consistently.

I guess you only get the DCC panel in Switzerland (with or without AP) when you‘re using an UK Bin card…?

This time at least yes, this was the case.

I doubt that this is specific to UK BIN cards. I expect that a card issued in any country where CHF is not the national currency will generate the DCC panel. So that would be cards issued anywhere outside Switzerland and Liechtenstein. Remember that merchants and card terminals cannot detect the currency of a card, only its country of issue.

@NFH, as Stefan and myself are both living in Switzerland, for us it was clear that we two own either cards with UK or Swiss BIN. But you’re obviously right, any other foreign BIN would trigger the DCC scam.

I’m also a bit puzzled about how/when DCC is triggered. I’m mostly using Apple Pay, and used to almost never see any DCC panel. Now it started showing up at Coop (as @OliverCH mentioned), but I still haven’t seen it at any restaurant.

Curious if this is something merchants can configure on their terminals, and “nice” merchants disabled it as they know it’s never in their customers’ favour?

Exactly. The brand (MC/Visa) does not make money with it, because it’s actually competition to their rates. It‘s payment service providers / acquirers that make money with it (they provide the rates), and might share that extra revenue with the merchant.

Some big merchants like grocery chains run their own payment processing / acquiring business. So maybe Coop is one of those? Or they got persuaded by their service partner to dip into tourist‘s pockets for some extra revenue?