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dynamic currency conversion or why you should always pay in the local currency when traveling when we travel to another country we make lots of transactions when were away and you may have noticed that is becoming more common for merchants to offer to charge you in your home currency when using a payment terminal when you opt to pay for a transaction in your home currency this is a feature known as dynamic currency conversion heres an example from a recent trip to Dubai CA d stands for Canadian dollars and thats my home currency since Im Canadian AED is the local currency which are called Durhams the item I was looking at was priced at 50 Dunhams but I was given the option of paying in Canadian dollars this the option of paying in your home currency at time of sale is known as dynamic currency conversion or DCCC the standard process is to pay in the local currency and your credit card will convert the currency at a set exchange rate and then add a foreign transaction fee on top