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[Music] dynamic currency conversion dcc allows your customers to pay in their chosen currency [Music] at the checkout which may be your virtual terminal screen for a telephone payment or a payment page for an e-commerce transaction the gateway automatically recognizes international debit or credit cards and offers the customer the option to pay in their home currency the final amount is displayed on screen in both currencies with the exchange rate including the markup used to convert the final amount when the customer accepts dcc their transaction is converted to their home currency immediately if your customer decides not to accept dcc theyre choosing to pay in the merchants local currency and this means the transaction is converted later by their card issuing bank the transaction is then subject to an unknown exchange rate plus any fees and commission the customer will know the final amount at a later point when you offer dcc your customer will have the confidence of knowing how m