Create DCC Rate Offer

curl --request POST \
  --url https://{your-base-url}/dcc/offers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'x-acquirer-id: <x-acquirer-id>' \
  --header 'x-card-acceptor-id: <x-card-acceptor-id>' \
  --data '
{
  "referenceCode": "TXN-2025-001234",
  "transactionType": "PURCHASE",
  "paymentDetails": {
    "bin": "409019",
    "cid": "111",
    "posEntryMode": "079"
  },
  "orderDetails": {
    "amount": "100.00",
    "fee": "2.50",
    "currency": "EUR"
  },
  "terminalInformation": {
    "terminalId": "TERM001234",
    "terminalType": "POS"
  }
}
'

import requests

url = "https://{your-base-url}/dcc/offers"

payload = {
    "referenceCode": "TXN-2025-001234",
    "transactionType": "PURCHASE",
    "paymentDetails": {
        "bin": "409019",
        "cid": "111",
        "posEntryMode": "079"
    },
    "orderDetails": {
        "amount": "100.00",
        "fee": "2.50",
        "currency": "EUR"
    },
    "terminalInformation": {
        "terminalId": "TERM001234",
        "terminalType": "POS"
    }
}
headers = {
    "x-acquirer-id": "<x-acquirer-id>",
    "x-card-acceptor-id": "<x-card-acceptor-id>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-acquirer-id': '<x-acquirer-id>',
    'x-card-acceptor-id': '<x-card-acceptor-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    referenceCode: 'TXN-2025-001234',
    transactionType: 'PURCHASE',
    paymentDetails: {bin: '409019', cid: '111', posEntryMode: '079'},
    orderDetails: {amount: '100.00', fee: '2.50', currency: 'EUR'},
    terminalInformation: {terminalId: 'TERM001234', terminalType: 'POS'}
  })
};

fetch('https://{your-base-url}/dcc/offers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://{your-base-url}/dcc/offers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'referenceCode' => 'TXN-2025-001234',
    'transactionType' => 'PURCHASE',
    'paymentDetails' => [
        'bin' => '409019',
        'cid' => '111',
        'posEntryMode' => '079'
    ],
    'orderDetails' => [
        'amount' => '100.00',
        'fee' => '2.50',
        'currency' => 'EUR'
    ],
    'terminalInformation' => [
        'terminalId' => 'TERM001234',
        'terminalType' => 'POS'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "x-acquirer-id: <x-acquirer-id>",
    "x-card-acceptor-id: <x-card-acceptor-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://{your-base-url}/dcc/offers"

	payload := strings.NewReader("{\n  \"referenceCode\": \"TXN-2025-001234\",\n  \"transactionType\": \"PURCHASE\",\n  \"paymentDetails\": {\n    \"bin\": \"409019\",\n    \"cid\": \"111\",\n    \"posEntryMode\": \"079\"\n  },\n  \"orderDetails\": {\n    \"amount\": \"100.00\",\n    \"fee\": \"2.50\",\n    \"currency\": \"EUR\"\n  },\n  \"terminalInformation\": {\n    \"terminalId\": \"TERM001234\",\n    \"terminalType\": \"POS\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-acquirer-id", "<x-acquirer-id>")
	req.Header.Add("x-card-acceptor-id", "<x-card-acceptor-id>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://{your-base-url}/dcc/offers")
  .header("x-acquirer-id", "<x-acquirer-id>")
  .header("x-card-acceptor-id", "<x-card-acceptor-id>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"referenceCode\": \"TXN-2025-001234\",\n  \"transactionType\": \"PURCHASE\",\n  \"paymentDetails\": {\n    \"bin\": \"409019\",\n    \"cid\": \"111\",\n    \"posEntryMode\": \"079\"\n  },\n  \"orderDetails\": {\n    \"amount\": \"100.00\",\n    \"fee\": \"2.50\",\n    \"currency\": \"EUR\"\n  },\n  \"terminalInformation\": {\n    \"terminalId\": \"TERM001234\",\n    \"terminalType\": \"POS\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://{your-base-url}/dcc/offers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-acquirer-id"] = '<x-acquirer-id>'
request["x-card-acceptor-id"] = '<x-card-acceptor-id>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"referenceCode\": \"TXN-2025-001234\",\n  \"transactionType\": \"PURCHASE\",\n  \"paymentDetails\": {\n    \"bin\": \"409019\",\n    \"cid\": \"111\",\n    \"posEntryMode\": \"079\"\n  },\n  \"orderDetails\": {\n    \"amount\": \"100.00\",\n    \"fee\": \"2.50\",\n    \"currency\": \"EUR\"\n  },\n  \"terminalInformation\": {\n    \"terminalId\": \"TERM001234\",\n    \"terminalType\": \"POS\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "transactionType": "PURCHASE",
  "baseAmount": "100.0",
  "foreignAmount": "110.5",
  "exchangeRate": {
    "baseCurrency": {
      "numericCode": "978",
      "alphaCode": "EUR",
      "minorUnits": 2
    },
    "foreignCurrency": {
      "numericCode": "978",
      "alphaCode": "EUR",
      "minorUnits": 2
    },
    "rate": "1.105",
    "expiry": "2025-10-08T14:35:00Z",
    "id": "650e8400-e29b-41d4-a716-446655440001",
    "marginPercentage": "3.5",
    "commissionPercentage": "1.0",
    "source": "Refinitiv",
    "sourceTimestamp": "2025-10-08T14:00:00Z",
    "schemeCode": 1
  },
  "issueAt": "2025-10-08T14:30:00Z",
  "referenceCode": "TXN-2025-001234",
  "foreignFeeAmount": "2.75",
  "foreignTotalAmount": "113.25",
  "offerText": "Accept currency conversion at rate 1.1050? You will pay 110.50 USD instead of 100.00 EUR.",
  "receiptText": "Currency conversion applied: 100.00 EUR = 110.50 USD at rate 1.1050"
}

{
  "timestamp": "2025-10-09T09:57:32.461Z",
  "status": 400,
  "error": "Bad Request",
  "message": "Request validation failed",
  "path": "/dcc/offers",
  "details": [
    {
      "code": "VALIDATION_ERROR",
      "title": "Invalid Field Value",
      "message": "Field 'amount' is required but was null, or Currency 'XYZ' is not supported"
    }
  ]
}

{
  "timestamp": "2025-10-09T09:57:32.461Z",
  "status": 400,
  "error": "Bad Request",
  "message": "Request validation failed",
  "path": "/dcc/offers",
  "details": [
    {
      "code": "VALIDATION_ERROR",
      "title": "Invalid Field Value",
      "message": "Field 'amount' is required but was null, or Currency 'XYZ' is not supported"
    }
  ]
}

{
  "timestamp": "2025-10-09T09:57:32.461Z",
  "status": 400,
  "error": "Bad Request",
  "message": "Request validation failed",
  "path": "/dcc/offers",
  "details": [
    {
      "code": "VALIDATION_ERROR",
      "title": "Invalid Field Value",
      "message": "Field 'amount' is required but was null, or Currency 'XYZ' is not supported"
    }
  ]
}

Create DCC Rate Offer

curl --request POST \
  --url https://{your-base-url}/dcc/offers \
  --header 'Authorization: Bearer <token>' \
  --header 'Content-Type: application/json' \
  --header 'x-acquirer-id: <x-acquirer-id>' \
  --header 'x-card-acceptor-id: <x-card-acceptor-id>' \
  --data '
{
  "referenceCode": "TXN-2025-001234",
  "transactionType": "PURCHASE",
  "paymentDetails": {
    "bin": "409019",
    "cid": "111",
    "posEntryMode": "079"
  },
  "orderDetails": {
    "amount": "100.00",
    "fee": "2.50",
    "currency": "EUR"
  },
  "terminalInformation": {
    "terminalId": "TERM001234",
    "terminalType": "POS"
  }
}
'

import requests

url = "https://{your-base-url}/dcc/offers"

payload = {
    "referenceCode": "TXN-2025-001234",
    "transactionType": "PURCHASE",
    "paymentDetails": {
        "bin": "409019",
        "cid": "111",
        "posEntryMode": "079"
    },
    "orderDetails": {
        "amount": "100.00",
        "fee": "2.50",
        "currency": "EUR"
    },
    "terminalInformation": {
        "terminalId": "TERM001234",
        "terminalType": "POS"
    }
}
headers = {
    "x-acquirer-id": "<x-acquirer-id>",
    "x-card-acceptor-id": "<x-card-acceptor-id>",
    "Authorization": "Bearer <token>",
    "Content-Type": "application/json"
}

response = requests.post(url, json=payload, headers=headers)

print(response.text)

const options = {
  method: 'POST',
  headers: {
    'x-acquirer-id': '<x-acquirer-id>',
    'x-card-acceptor-id': '<x-card-acceptor-id>',
    Authorization: 'Bearer <token>',
    'Content-Type': 'application/json'
  },
  body: JSON.stringify({
    referenceCode: 'TXN-2025-001234',
    transactionType: 'PURCHASE',
    paymentDetails: {bin: '409019', cid: '111', posEntryMode: '079'},
    orderDetails: {amount: '100.00', fee: '2.50', currency: 'EUR'},
    terminalInformation: {terminalId: 'TERM001234', terminalType: 'POS'}
  })
};

fetch('https://{your-base-url}/dcc/offers', options)
  .then(res => res.json())
  .then(res => console.log(res))
  .catch(err => console.error(err));

<?php

$curl = curl_init();

curl_setopt_array($curl, [
  CURLOPT_URL => "https://{your-base-url}/dcc/offers",
  CURLOPT_RETURNTRANSFER => true,
  CURLOPT_ENCODING => "",
  CURLOPT_MAXREDIRS => 10,
  CURLOPT_TIMEOUT => 30,
  CURLOPT_HTTP_VERSION => CURL_HTTP_VERSION_1_1,
  CURLOPT_CUSTOMREQUEST => "POST",
  CURLOPT_POSTFIELDS => json_encode([
    'referenceCode' => 'TXN-2025-001234',
    'transactionType' => 'PURCHASE',
    'paymentDetails' => [
        'bin' => '409019',
        'cid' => '111',
        'posEntryMode' => '079'
    ],
    'orderDetails' => [
        'amount' => '100.00',
        'fee' => '2.50',
        'currency' => 'EUR'
    ],
    'terminalInformation' => [
        'terminalId' => 'TERM001234',
        'terminalType' => 'POS'
    ]
  ]),
  CURLOPT_HTTPHEADER => [
    "Authorization: Bearer <token>",
    "Content-Type: application/json",
    "x-acquirer-id: <x-acquirer-id>",
    "x-card-acceptor-id: <x-card-acceptor-id>"
  ],
]);

$response = curl_exec($curl);
$err = curl_error($curl);

curl_close($curl);

if ($err) {
  echo "cURL Error #:" . $err;
} else {
  echo $response;
}

package main

import (
	"fmt"
	"strings"
	"net/http"
	"io"
)

func main() {

	url := "https://{your-base-url}/dcc/offers"

	payload := strings.NewReader("{\n  \"referenceCode\": \"TXN-2025-001234\",\n  \"transactionType\": \"PURCHASE\",\n  \"paymentDetails\": {\n    \"bin\": \"409019\",\n    \"cid\": \"111\",\n    \"posEntryMode\": \"079\"\n  },\n  \"orderDetails\": {\n    \"amount\": \"100.00\",\n    \"fee\": \"2.50\",\n    \"currency\": \"EUR\"\n  },\n  \"terminalInformation\": {\n    \"terminalId\": \"TERM001234\",\n    \"terminalType\": \"POS\"\n  }\n}")

	req, _ := http.NewRequest("POST", url, payload)

	req.Header.Add("x-acquirer-id", "<x-acquirer-id>")
	req.Header.Add("x-card-acceptor-id", "<x-card-acceptor-id>")
	req.Header.Add("Authorization", "Bearer <token>")
	req.Header.Add("Content-Type", "application/json")

	res, _ := http.DefaultClient.Do(req)

	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)

	fmt.Println(string(body))

}

HttpResponse<String> response = Unirest.post("https://{your-base-url}/dcc/offers")
  .header("x-acquirer-id", "<x-acquirer-id>")
  .header("x-card-acceptor-id", "<x-card-acceptor-id>")
  .header("Authorization", "Bearer <token>")
  .header("Content-Type", "application/json")
  .body("{\n  \"referenceCode\": \"TXN-2025-001234\",\n  \"transactionType\": \"PURCHASE\",\n  \"paymentDetails\": {\n    \"bin\": \"409019\",\n    \"cid\": \"111\",\n    \"posEntryMode\": \"079\"\n  },\n  \"orderDetails\": {\n    \"amount\": \"100.00\",\n    \"fee\": \"2.50\",\n    \"currency\": \"EUR\"\n  },\n  \"terminalInformation\": {\n    \"terminalId\": \"TERM001234\",\n    \"terminalType\": \"POS\"\n  }\n}")
  .asString();

require 'uri'
require 'net/http'

url = URI("https://{your-base-url}/dcc/offers")

http = Net::HTTP.new(url.host, url.port)
http.use_ssl = true

request = Net::HTTP::Post.new(url)
request["x-acquirer-id"] = '<x-acquirer-id>'
request["x-card-acceptor-id"] = '<x-card-acceptor-id>'
request["Authorization"] = 'Bearer <token>'
request["Content-Type"] = 'application/json'
request.body = "{\n  \"referenceCode\": \"TXN-2025-001234\",\n  \"transactionType\": \"PURCHASE\",\n  \"paymentDetails\": {\n    \"bin\": \"409019\",\n    \"cid\": \"111\",\n    \"posEntryMode\": \"079\"\n  },\n  \"orderDetails\": {\n    \"amount\": \"100.00\",\n    \"fee\": \"2.50\",\n    \"currency\": \"EUR\"\n  },\n  \"terminalInformation\": {\n    \"terminalId\": \"TERM001234\",\n    \"terminalType\": \"POS\"\n  }\n}"

response = http.request(request)
puts response.read_body

{
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "transactionType": "PURCHASE",
  "baseAmount": "100.0",
  "foreignAmount": "110.5",
  "exchangeRate": {
    "baseCurrency": {
      "numericCode": "978",
      "alphaCode": "EUR",
      "minorUnits": 2
    },
    "foreignCurrency": {
      "numericCode": "978",
      "alphaCode": "EUR",
      "minorUnits": 2
    },
    "rate": "1.105",
    "expiry": "2025-10-08T14:35:00Z",
    "id": "650e8400-e29b-41d4-a716-446655440001",
    "marginPercentage": "3.5",
    "commissionPercentage": "1.0",
    "source": "Refinitiv",
    "sourceTimestamp": "2025-10-08T14:00:00Z",
    "schemeCode": 1
  },
  "issueAt": "2025-10-08T14:30:00Z",
  "referenceCode": "TXN-2025-001234",
  "foreignFeeAmount": "2.75",
  "foreignTotalAmount": "113.25",
  "offerText": "Accept currency conversion at rate 1.1050? You will pay 110.50 USD instead of 100.00 EUR.",
  "receiptText": "Currency conversion applied: 100.00 EUR = 110.50 USD at rate 1.1050"
}

{
  "timestamp": "2025-10-09T09:57:32.461Z",
  "status": 400,
  "error": "Bad Request",
  "message": "Request validation failed",
  "path": "/dcc/offers",
  "details": [
    {
      "code": "VALIDATION_ERROR",
      "title": "Invalid Field Value",
      "message": "Field 'amount' is required but was null, or Currency 'XYZ' is not supported"
    }
  ]
}

{
  "timestamp": "2025-10-09T09:57:32.461Z",
  "status": 400,
  "error": "Bad Request",
  "message": "Request validation failed",
  "path": "/dcc/offers",
  "details": [
    {
      "code": "VALIDATION_ERROR",
      "title": "Invalid Field Value",
      "message": "Field 'amount' is required but was null, or Currency 'XYZ' is not supported"
    }
  ]
}

{
  "timestamp": "2025-10-09T09:57:32.461Z",
  "status": 400,
  "error": "Bad Request",
  "message": "Request validation failed",
  "path": "/dcc/offers",
  "details": [
    {
      "code": "VALIDATION_ERROR",
      "title": "Invalid Field Value",
      "message": "Field 'amount' is required but was null, or Currency 'XYZ' is not supported"
    }
  ]
}

Authorizations

Authorization

string

header

required

JWT authentication with PKI certificates. Token must include x5c header with certificate chain and digest claim for request body validation.

Headers

X-Correlation-ID

string

Optional correlation ID for request tracing

x-acquirer-id

string

required

3-letter alphabetic acquirer identifier (must match the Acquirer ID used to generate the CSR)

Pattern: ^[A-Z]{3}$

Example:

"ABC"

x-card-acceptor-id

string

required

Numeric card acceptor code (merchant ID), 1-16 digits

Pattern: ^[0-9]{1,16}$

Example:

"998877"

Body

application/json

DCC rate offer request containing transaction details, payment info, and order information

transactionType

enum<string>

required

Type of transaction being processed

Available options:

PURCHASE,

REFUND,

CASH_ADVANCE,

REVERSAL,

PREAUTHORIZATION,

INCREMENTAL_AUTHORIZATION,

COMPLETE_AUTHORIZATION

Example:

"PURCHASE"

paymentDetails

object

required

Payment card and transaction entry details

Show child attributes

orderDetails

object

required

Order details including amount, fee, and currency

Show child attributes

referenceCode

string

Optional unique reference code for the transaction (Currently used for traceability in the logs, recommended to include)

Example:

"TXN-2025-001234"

terminalInformation

object

Terminal information for POS and ATM transactions

Show child attributes

Example:

{
  "terminalId": "TERM001234",
  "terminalType": "POS"
}

Response

Successfully created DCC rate offer

Response containing the DCC rate offer details including exchange rates, amounts, and offer status

string<uuid>

required

Unique identifier for this specific rate offer (used for tracking and acceptance)

Example:

"550e8400-e29b-41d4-a716-446655440000"

transactionType

enum<string>

required

Type of transaction this offer applies to

Available options:

PURCHASE,

REFUND,

CASH_ADVANCE,

REVERSAL,

PREAUTHORIZATION,

INCREMENTAL_AUTHORIZATION,

COMPLETE_AUTHORIZATION

Example:

"PURCHASE"

baseAmount

string

required

Transaction amount in the base (merchant) currency

Example:

"100.0"

foreignAmount

string

required

Transaction amount converted to the cardholder's foreign currency

Example:

"110.5"

exchangeRate

object

required

Detailed exchange rate information including base/foreign currencies, rate, margins, and expiry

Show child attributes

issueAt

string<date-time>

required

Timestamp when this rate offer response was generated

Example:

"2025-10-08T14:30:00Z"

referenceCode

string

Optional Reference code from the original request (Currently used for traceability in the logs, recommended to include)

Example:

"TXN-2025-001234"

foreignFeeAmount

string

Optional fee amount in the foreign currency

Example:

"2.75"

foreignTotalAmount

string

Total amount in foreign currency (foreignAmount + foreignFeeAmount). If not provided, it can be computed from foreignAmount and foreignFeeAmount

Example:

"113.25"

offerText

string

Ready-to-use text for DCC offer presentation with resolved exchange rates and amounts. Server-side processed for immediate display.

Example:

"Accept currency conversion at rate 1.1050? You will pay 110.50 USD instead of 100.00 EUR."

receiptText

string

Ready-to-use text for receipt display with resolved exchange rates and amounts. Server-side processed for immediate display.

Example:

"Currency conversion applied: 100.00 EUR = 110.50 USD at rate 1.1050"

Get started

Boarding API

Rate Service Classic

Rate Service Connect

Create DCC Rate Offer

Authorizations

Headers

Body

Response