Dynamic currency conversion (DCC) or cardholder preferred currency (CPC) is a process whereby the amount of a credit card transaction is converted at the point of sale, ATM or internet to the currency of the card's country of issue. DCC is generally provided by third party operators in association with the merchant, and not by a card issuer. Card issuers permit DCC operators to offer DCC in accordance with the card issuers’ processing rules. However, using DCC, the customer is usually charged an amount in excess of the transaction amount converted at the normal exchange rate, though this may not be obviously disclosed to the customer at the time. The merchant, the merchant's bank or ATM operator usually impose a markup on the transaction, in addition to the exchange rate that would normall
| Attributes | Values |
|---|
| rdf:type
| |
| rdfs:label
| - Dynamic currency conversion (cs)
- Dynamic currency conversion (en)
- ダイナミック・カレンシー・コンバージョン (ja)
- 動態貨幣轉換 (zh)
|
| rdfs:comment
| - Dynamic currency conversion, česky dynamická konverze měny, dynamický převod měny označovaný zkratkou DCC je proces, který při placení kartou umožňuje platit v měně, ve které je karta vedena. Při platbě v původní měně konverzi na měnu karty provádí vydavatel karty. Naopak při dynamické konverzi provádí konverzi měny provozovatel platebního terminálu. (cs)
- ダイナミック・カレンシー・コンバージョン (DCC: Dynamic Currency Conversion) は、顧客が海外発行のクレジットカードを利用して代金を支払う際に、その場で金額を顧客の自国通貨に換算して支払うことを可能とする決済サービスである。顧客にとっては、自国通貨への換算と決済（通常は翌日以降）までにレートが急激に変動する為替リスクを回避し、その場で自国通貨での支払金額を確定できるメリットがある。一方、DCCサービスを提供する業者（DCCプロバイダ）やアクワイアラ等にとっては、一定の手数料収入を得られるメリットがある。 (ja)
- Dynamic currency conversion (DCC) or cardholder preferred currency (CPC) is a process whereby the amount of a credit card transaction is converted at the point of sale, ATM or internet to the currency of the card's country of issue. DCC is generally provided by third party operators in association with the merchant, and not by a card issuer. Card issuers permit DCC operators to offer DCC in accordance with the card issuers’ processing rules. However, using DCC, the customer is usually charged an amount in excess of the transaction amount converted at the normal exchange rate, though this may not be obviously disclosed to the customer at the time. The merchant, the merchant's bank or ATM operator usually impose a markup on the transaction, in addition to the exchange rate that would normall (en)
- 动态货币转换或持卡人首选币种（英語：Dynamic currency conversion， DCC / 英語：Cardholder preferred currency， CPC）是一种金融服务，允许商户POS机或者自动柜员机等在处理通过VISA或万事达进行的外币交易时，直接将外币转换为支付卡的本币。 DCC服务允许商户、收单银行或者自动柜员机运营商在汇率的基础上收取额外费用，此项费用有时可以高达18%。如果DCC服务手续费低于发卡银行的货币转换费，那么DCC服务可以帮助持卡人在刷卡的当时就能看到转货币转换后的本币价格。但是在大多是情况下DCC服务的手续费都比发卡银行的货币转换费要高（某些机构甚至免收货币转换费），因此抵消了DCC服务的优势。 一般来说，DCC服务通常由第三方机构联合商户推出，和发卡银行并无太大关系。也就是说，发卡银行并不会让POS机上出现DCC服务的选项，但是两大卡组织所允许的DCC服务提供商依会据自身的业务流程提供该服务。 若不使用DCC服务，是由卡组织或发卡银行在交易入账时进行的，入账日通常在交易发生后的一至两天，但是越来越多的发卡银行已经可以做到实时入账了。尽管卡组织和发卡银行会公布外汇牌价，但大多数情况下他们并不会在交易时就公布交易入账后的汇率。VISA和万事达两大卡组织都表示他们提供的汇率仅供参考，因为他们提供的时交易时的汇率，而非入账日的汇率。 (zh)
|
| foaf:homepage
| |
| foaf:depiction
| |
| dcterms:subject
| |
| Wikipage page ID
| |
| Wikipage revision ID
| |
| Link from a Wikipage to another Wikipage
| |
| Link from a Wikipage to an external page
| |
| sameAs
| |
| dbp:wikiPageUsesTemplate
| |
| thumbnail
| |
| has abstract
| - Dynamic currency conversion, česky dynamická konverze měny, dynamický převod měny označovaný zkratkou DCC je proces, který při placení kartou umožňuje platit v měně, ve které je karta vedena. Při platbě v původní měně konverzi na měnu karty provádí vydavatel karty. Naopak při dynamické konverzi provádí konverzi měny provozovatel platebního terminálu. (cs)
- Dynamic currency conversion (DCC) or cardholder preferred currency (CPC) is a process whereby the amount of a credit card transaction is converted at the point of sale, ATM or internet to the currency of the card's country of issue. DCC is generally provided by third party operators in association with the merchant, and not by a card issuer. Card issuers permit DCC operators to offer DCC in accordance with the card issuers’ processing rules. However, using DCC, the customer is usually charged an amount in excess of the transaction amount converted at the normal exchange rate, though this may not be obviously disclosed to the customer at the time. The merchant, the merchant's bank or ATM operator usually impose a markup on the transaction, in addition to the exchange rate that would normally apply, sometimes by as much as 18%. Without DCC, the currency conversion would take place by the card issuer when the transaction is charged to the card holder's statement, usually a day or two later, but for an increasing number of cards in real time. Even though the card issuer will publish the exchange rate used for conversion on the statement, most do not disclose the exchange rate used to convert a transaction at the time of payment. Both Visa and Mastercard state that the rates they publish in advance of a transaction posting to a cardholder's statement are indicative, since the rates they use for conversion correspond to the date and time they process the transaction, as opposed to the actual transaction date. With DCC, the currency conversion takes place at the point of sale. Unlike a credit card company, a DCC operator must disclose the exchange rate used for conversion at the time of the transaction according to credit card company rules which govern how DCC is offered. The DCC exchange rate must be based on a wholesale interbank rate, to which any additional markup is then applied. Visa requires that this markup be disclosed to the cardholder. The credit card company may still charge an additional fee for charges made outside the card holder's home country, even when the transaction has been processed in their home currency with DCC. Proponents of DCC argue that customers can better understand prices in their home currency, making it easier for business travelers to keep track of their expenses. They also point out that the customer has full transparency inclusive of conversion fees, and can make an informed choice whether or not to use DCC. The financial benefit to the merchant or their card processor may be an incentive for the merchant to offer DCC even when it would be disadvantageous to the customer. Opponents of DCC argue that many customers do not understand DCC, and point out that DCC markups are usually higher than the card issuers' currency conversion fees, and therefore, in almost all cases, opting for DCC will result in a higher cost to the cardholder. Due to the strategic threat posed by DCC on Visa's core revenues (namely, currency conversions), in 2010 Visa attempted to ban DCC. However, the Federal Court of Australia found that Visa acted anti-competitively to protect its own revenues and was fined $A18 million. (en)
- ダイナミック・カレンシー・コンバージョン (DCC: Dynamic Currency Conversion) は、顧客が海外発行のクレジットカードを利用して代金を支払う際に、その場で金額を顧客の自国通貨に換算して支払うことを可能とする決済サービスである。顧客にとっては、自国通貨への換算と決済（通常は翌日以降）までにレートが急激に変動する為替リスクを回避し、その場で自国通貨での支払金額を確定できるメリットがある。一方、DCCサービスを提供する業者（DCCプロバイダ）やアクワイアラ等にとっては、一定の手数料収入を得られるメリットがある。 (ja)
- 动态货币转换或持卡人首选币种（英語：Dynamic currency conversion， DCC / 英語：Cardholder preferred currency， CPC）是一种金融服务，允许商户POS机或者自动柜员机等在处理通过VISA或万事达进行的外币交易时，直接将外币转换为支付卡的本币。 DCC服务允许商户、收单银行或者自动柜员机运营商在汇率的基础上收取额外费用，此项费用有时可以高达18%。如果DCC服务手续费低于发卡银行的货币转换费，那么DCC服务可以帮助持卡人在刷卡的当时就能看到转货币转换后的本币价格。但是在大多是情况下DCC服务的手续费都比发卡银行的货币转换费要高（某些机构甚至免收货币转换费），因此抵消了DCC服务的优势。 一般来说，DCC服务通常由第三方机构联合商户推出，和发卡银行并无太大关系。也就是说，发卡银行并不会让POS机上出现DCC服务的选项，但是两大卡组织所允许的DCC服务提供商依会据自身的业务流程提供该服务。 若不使用DCC服务，是由卡组织或发卡银行在交易入账时进行的，入账日通常在交易发生后的一至两天，但是越来越多的发卡银行已经可以做到实时入账了。尽管卡组织和发卡银行会公布外汇牌价，但大多数情况下他们并不会在交易时就公布交易入账后的汇率。VISA和万事达两大卡组织都表示他们提供的汇率仅供参考，因为他们提供的时交易时的汇率，而非入账日的汇率。 若使用DCC服务，货币兑换是由商户或收单银行完成的，和发卡银行不同，DCC服务提供商必须根据发卡银行的要求披露转换时所用的汇率。DCC服务所用的汇率必须是基于银行同业大宗汇率，外加附加费用，VISA要求附加费用也必须向持卡人披露。即使交易币种已经通过DCC服务被转换为了支付卡的本币，但是发卡银行仍然可能因为交易发生在境外而向持卡人收取手续费。 這項服務的支持者認為， 通过DCC服务持卡人可以本幣幣別瞭解價格，這使得商務旅行者更容易紀錄他們的支出。他們還指出，持卡人對於包括轉換費用在內，是经过充分透明了解的，並可以作出明智的選擇是否使用DCC服务。 該服務的反對者認為，持卡人並不了解DCC服务，並認為所提供的匯率及費用加成，最終總計可能不利於客戶。商户或收單银行以財務利益考量，可能誘使他們即使在DCC服务不利於持卡人的情形下，仍然诱导或隱瞞持卡来使用DCC服務。 由于感到自身的核心利益受到威胁，VISA曾在2010年试图禁止DCC服务，澳大利亚联邦法院判决VISA此举是在通过反竞争行为来保护自身利益，罚款180万澳元。 (zh)
|
| gold:hypernym
| |
| prov:wasDerivedFrom
| |
| page length (characters) of wiki page
| |
| foaf:isPrimaryTopicOf
| |
| is Link from a Wikipage to another Wikipage
of | |
![[RDF Data]](/fct/images/sw-rdf-blue.png)
![[cxml]](/fct/images/cxml_doc.png)
![[csv]](/fct/images/csv_doc.png)
![[text]](/fct/images/ntriples_doc.png)
![[turtle]](/fct/images/n3turtle_doc.png)
![[ld+json]](/fct/images/jsonld_doc.png)
![[rdf+json]](/fct/images/json_doc.png)
![[rdf+xml]](/fct/images/xml_doc.png)
![[atom+xml]](/fct/images/atom_doc.png)
![[html]](/fct/images/html_doc.png)
