With DCC, merchants continue to price their goods in United States dollars. After a MasterCard or Visa card issued in one of the supported foreign currencies is swiped on an Optimum terminal, the device will automatically display the transaction amount in both US Dollars and the customer's currency. The customer can then select which currency he wants to use to complete the purchase, while the merchant still receives the settlement in US dollars. With DCC, cardholders have the comfort and convenience of knowing the cost of the purchase in their currency, enabling them to make more informed buying decisions.

Alternatively, with MCP, merchants quote or display pricing in foreign currencies. When the cardholder presents a MasterCard or Visa card at the time of check-out, the merchant will ask the customer for his or her currency preference, and then select the currency from a menu that appears on the terminal. The customer receives a transaction receipt listing the details of the purchase in the designated currency and the merchant receives funding in US dollars. MCP is a powerful sales and marketing tool for merchants with an international clientele -- and provides international customers with a superior shopping experience.

Planet Payment's DCC and MCP services are delivered to merchants through a network of certified partner acquiring banks and processors. Through its arrangement with Hypercom, Planet Payment's DCC and MCP services will be an available configuration integrated into the Hypercom SPOS 32 operating system on the T4100. This will allow additional acquirers and processors to offer DCC and MCP to their merchants as part of the standard Hypercom terminal application, without any need for additional development or certifications. Planet Payment and Hypercom expect to complete the integration to the SPOS operating system in April 2007.