Unauthorised conversion into Sterling

born_again

DullGreyGuy said:

However this assumes they told you and you went on to make the transaction. It initially sounded like you had entered your card details against a Euro price and its only when it hit your account that you saw it had been charged in GBP. If this is the case and you can evidence it then you potentially do have a chargeback for wrong currency (not poor FX) but @born_again will be better placed to confirm - its certainly one of the dispute reason codes.

OP would need receipt confirming how transaction was made. As it should confirm where exchange is made.

Sadly many people get caught out as they are agreeing to what the retailer enters when they enter pin or tap card. 

To the poster above.
Your route to Visa Int is via your card provider, as VI are not a customer facing company. As above most issues are because payment is agreed, but is never checked just how it is being transacted. Which neither bank or VI are at fault for. As error is on input by retailer & approved by customer (not aware sometimes). Not helped in many cases as person at retailer end, entering details into terminal, has no idea on the effect on customer.

DullGreyGuy

born_again said:

DullGreyGuy said:

However this assumes they told you and you went on to make the transaction. It initially sounded like you had entered your card details against a Euro price and its only when it hit your account that you saw it had been charged in GBP. If this is the case and you can evidence it then you potentially do have a chargeback for wrong currency (not poor FX) but @born_again will be better placed to confirm - its certainly one of the dispute reason codes.

OP would need receipt confirming how transaction was made. As it should confirm where exchange is made.

Sadly many people get caught out as they are agreeing to what the retailer enters when they enter pin or tap card. 

The OP says "screen shot" so presumably this is an online transaction rather than Chip & Pin. Presumably if they have the screenshot showing the final payment screen was still in Euro but then then emailed receipt is in GBP this would be sufficient @born_again?

born_again

Could be. Would need to see what CC provider says.

But often retailer will show in local currency & then debit in customer local currency. Will depend on their T/C

A lot will depend on the actual difference. As while Visa rate may show a difference, you also have to factor in card providers charge.

MABLE

I had my VPN set to the uk and I had to pay the carpet co in the UK. They sent me an invoice to pay online.  I clicked the link and asked me enter my card details and country.  

I then pressed pay but the bank ask me to authorise amount and referred me back to the payment site to complete  it appears stripe payments routed me through a US server so got converted into dollars then back to sterling.  This resulted in an additional charge of £127 and non sterling charge £80.

I spoke to my cc provider who said it was nothing to do with them and contact retailer.

I did this and they said Stripe payment systems it went through  all charges correct .

The retailer said they do not charge customer cc fees.

I was in the UK all the time.  Is there anything I can do to get these or part of charges back?

[Deleted User]

Chomeur said:

What to do if a merchant makes an unauthorised conversion of a payment into Sterling on your card? Naturally, it's at a very poor rate. I have screenshots which show the EUR amount which I agreed to. I have complained to the merchant, who just keep referring me to their useless chatbot, and to curve, through whom I made the payment. Curve agree that the conversion was at a poor rate, but say that there is nothing they can do, and refer me back to the merchant. It's not that much money, but seems to set a very bad precedent, and it can't be right. Should I go to the Financial Ombudsman?

There is a specific chargeback reason for unauthorised Dynamic Currency Conversion (DCC).
That's sounds like the correct complaint to take up if you were unaware that it was taking place.

MEM62

Chomeur said:

So the merchant could have said the exchange rate was 1 euro = £100 and there would be nothing I could do? Or should I be taking it up with my credit card company?

In that case you should have elected to pay in Euros. In fact, in almost all cases, it is recommended that you elect to pay in the local currency as the card providers exchange rate is better.