Reason Code 12.3: Incorrect Currency

The merchant processed the wrong currency code, or the cardholder wasn’t notified or didn’t agree to the Dynamic Currency conversion.

• The transaction currency differs from the currency the that the merchant submitted through VisaNet.
• The merchant applied the DCC after the cardholder declined or didn’t allow the cardholder an opportunity to opt out.

• Instead of automatically applying DCC to your transactions, afford customers the option to opt in or out.
• Create systems to manage multiple currencies and train staff on correct procedures for handling the different currencies.