{"id":26494,"date":"2026-03-27T16:02:55","date_gmt":"2026-03-27T10:32:55","guid":{"rendered":"https:\/\/blog.razorpay.in\/blog\/?p=26494"},"modified":"2026-04-17T15:58:32","modified_gmt":"2026-04-17T10:28:32","slug":"how-dcc-transactions-affect-your-credit-card-charges","status":"publish","type":"post","link":"https:\/\/razorpay.com\/blog\/how-dcc-transactions-affect-your-credit-card-charges\/","title":{"rendered":"How DCC Transactions Affect Your Credit Card Charges"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">When you swipe your credit card abroad or purchase from international merchants, you might encounter an option that seems helpful: paying in your home currency instead of the local one. This service, known as &#8220;Dynamic Currency Conversion&#8221; (DCC), promises transparency and convenience, but it often conceals significant costs that inflate your credit card charges. Understanding how DCC transaction mechanisms work can save you substantial money on international purchases.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This comprehensive guide examines how dynamic currency conversion impacts your credit card charges, revealing the hidden costs, exchange rate markups, and strategic alternatives. You&#8217;ll discover why choosing a non-DCC transaction typically saves money and learn practical strategies to avoid unnecessary charges on your international purchases.<\/span><\/p>\n<div style=\"border-left: 4px solid #0073aa; background: #f0f8ff; padding: 15px; margin: 20px 0; border-radius: 5px;\">\n<h2 style=\"color: #0073aa; font-size: 18px; margin: 0 0 8px 0; display: inline-block;\">Key takeaways<\/h2>\n<ul style=\"display: inline-block; margin: 0 0 0 10px; padding-left: 18px; vertical-align: top;\">\n<li>DCC transaction options appear at checkout, offering home currency payment convenience<\/li>\n<li>\u2022 Merchants and DCC providers typically apply exchange rate markups of 3-6%, significantly increasing your costs<\/li>\n<li>\u2022 Choosing dynamic currency conversion results in higher charges compared to standard bank conversion rates<\/li>\n<li>\u2022 You can avoid inflated costs by selecting local currency payment and declining the immediate conversion of DCC transactions<\/li>\n<li>\u2022 The financial impact varies based on card type, merchant location, and specific DCC provider terms<\/li>\n<\/ul>\n<\/div>\n<h2><b>What Is Dynamic Currency Conversion (DCC)?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dynamic currency conversion represents a payment processing service that instantly converts foreign transactions into your card&#8217;s home currency at the point of sale. When you&#8217;re shopping abroad or purchasing from international websites, merchants equipped with DCC technology can detect your card&#8217;s country of origin and offer immediate currency conversion.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This service operates through sophisticated payment terminals and online checkout systems that recognise international cards. Rather than processing the transaction in the merchant&#8217;s local currency and allowing your bank to handle conversion later, DCC performs the conversion immediately using rates set by the merchant&#8217;s payment processor.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The appeal of <\/span><b>dynamic currency conversion<\/b><span style=\"font-weight: 400;\"> lies in its promise of certainty. You see exactly what amount will appear on your statement, eliminating the guesswork about exchange rates and final charges. However, this transparency comes at a premium that many consumers don&#8217;t fully understand until they compare their statements.<\/span><\/p>\n<h3><b>How DCC Works<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Payment terminal identifies your card&#8217;s country of issue through BIN (Bank Identification Number) detection<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 System calculates conversion using the DCC provider&#8217;s exchange rate, which includes substantial markups<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 You&#8217;re presented with both local currency and home currency amounts for comparison<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Upon accepting home currency payment, the DCC transaction processes the displayed converted amount<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Merchant&#8217;s acquiring bank or payment processor handles the currency conversion, not your card issuer<\/span><\/li>\n<\/ul>\n<h2><b>How DCC Affects Your Credit Card Charges<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">The most significant impact of accepting Dynamic currency conversion appears in the exchange rates applied to your transactions. Unlike standard foreign transactions processed by card networks like Visa or Mastercard, DCC uses rates determined by third-party providers who build profit margins directly into their exchange calculations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These inflated exchange rates represent the primary way DCC providers generate revenue. While your card issuer might charge a foreign transaction fee of 1-3%, DCC providers often apply markups that effectively cost you 4-8% more than the standard conversion process. This difference compounds on larger purchases, potentially adding hundreds of rupees to significant transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The complexity increases when you consider that some card issuers still apply foreign transaction fees even on DCC-converted amounts. This double-charging occurs because the transaction still originates from a foreign merchant, regardless of the currency conversion at the point of sale.<\/span><\/p>\n<p style=\"text-align: center;\"><a style=\"background-color: #1a73e8; color: #ffffff; font-weight: 800; padding: 7px 15px; border-radius: 7px; font-size: 16px; text-decoration: none; display: inline-block; white-space: nowrap;\" href=\"https:\/\/razorpay.com\/international-payment-gateway-india\/?utm_source=blog&amp;utm_medium=referral&amp;utm_campaign=internationalpayments\">Explore Razorpay&#8217;s Global Payment Solutions<\/a><\/p>\n<h3><b>Markup and Exchange Rate Costs<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\">This markup gets embedded in the displayed exchange rate, making it less obvious<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 The &#8220;guaranteed&#8221; rate often includes hidden profit margins for multiple intermediaries<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Exchange rates refresh periodically, but always favour the DCC provider over consumers<\/span><\/li>\n<\/ul>\n<h3><b>Combined Fees<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Your bank may still charge standard foreign transaction fees on non-DCC transaction alternatives<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 DCC transactions<\/span> <span style=\"font-weight: 400;\">often involve paying both provider markups and bank fees<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Some premium cards waive foreign fees but can&#8217;t prevent DCC markups<\/span><\/li>\n<\/ul>\n<div style=\"border-left: 4px solid #0073aa; background: #f0f8ff; padding: 15px; margin: 20px 0; border-radius: 5px;\">\n<h2 style=\"color: #0073aa; font-size: 18px; margin: 0;\">Did You Know?<\/h2>\n<p style=\"margin-top: 10px;\"><i><span style=\"font-weight: 400;\">Even premium credit cards with no foreign transaction fees can&#8217;t protect you from DCC markups. The inflated exchange rate is applied before your transaction reaches your card issuer, meaning you&#8217;ll pay the premium regardless of your card&#8217;s benefits.<\/span><\/i><\/p>\n<\/div>\n<h2><b>DCC vs Standard Currency Conversion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Understanding the fundamental differences between DCC and standard processing helps illustrate why financial experts consistently recommend avoiding DCC.<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><b>Aspect<\/b><\/td>\n<td><b>Standard Conversion<\/b><\/td>\n<td><b>DCC<\/b><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Exchange Rate Source<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Card network wholesale rates<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Third-party provider rates<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Typical Markup<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1-3% foreign transaction fee<\/span><\/td>\n<td><span style=\"font-weight: 400;\">3-6% built into exchange rate<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Transparency<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rate revealed on statement<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rate shown at purchase<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Total Cost<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Lower overall<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Higher due to markups<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Processing Time<\/span><\/td>\n<td><span style=\"font-weight: 400;\">1-2 days<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Immediate<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><b>Standard Conversion (No DCC)<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Transaction processes in merchant&#8217;s local currency initially<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Card networks (Visa, Mastercard) apply competitive wholesale exchange rates<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Your issuing bank may add a foreign transaction fee (clearly disclosed)<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Final converted amount appears on your statement after processing<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Generally results in better value despite waiting for final amount<\/span><\/li>\n<\/ul>\n<h3><b>Dynamic Currency Conversion<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Immediate conversion at point of sale or checkout<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Exchange rate set by merchant&#8217;s payment processor, not card networks<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 You&#8217;re charged in home currency with embedded markups<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 No opportunity to benefit from favourable rate fluctuations<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Convenience comes at a high financial cost<\/span><\/li>\n<\/ul>\n<h2><b>Pros and Cons of DCC for Credit Card Users<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">While dynamic currency conversion primarily benefits merchants and payment processors, understanding both advantages and disadvantages helps you make informed decisions during international transactions.<\/span><\/p>\n<h3><b>Pros<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Immediate knowledge of exact home currency charge eliminates uncertainty<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Helpful for strict budgeting when exact amounts matter more than optimal rates<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Useful if your bank applies unusually high or unpredictable conversion fees<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Simplifies expense reporting for business travellers needing immediate documentation<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Reduces mental calculation burden in unfamiliar currencies<\/span><\/li>\n<\/ul>\n<h3><b>Cons<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Consistently higher costs due to embedded exchange rate markups<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Non-DCC transaction options almost always provide better value<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 May still incur bank foreign transaction fees despite home currency billing<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Creates false sense of transparency while hiding actual conversion costs<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Locks in unfavourable rates without possibility of beneficial fluctuations<\/span><\/li>\n<\/ul>\n<h2><b>When to Avoid DCC<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Smart travellers and international shoppers should generally decline DCC transaction options in virtually all scenarios. The convenience rarely justifies the additional costs, especially for frequent international spenders.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Common situations where DCC appears include hotel checkouts, restaurant payments, tourist area retailers, airport shops, and international ATMs. These locations often preset terminals to default to DCC, requiring active intervention to choose local currency processing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Online shopping presents particular challenges as e-commerce sites may pre-select home currency options during checkout. Always review currency selections before finalising purchases, as changing currency after payment processing becomes impossible.<\/span><\/p>\n<h3><b>Tips to Avoid Extra Charges<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Always select &#8220;pay in local currency&#8221; when presented with options<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Learn key phrases in local languages to communicate currency preferences<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Configure online accounts to default to merchant&#8217;s local currency<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Use credit cards with transparent foreign transaction policies<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Document all transactions showing currency choices for potential disputes<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Consider non-DCC transaction<\/span><b>&#8211;<\/b><span style=\"font-weight: 400;\">focused travel cards designed for international use<\/span><\/li>\n<\/ul>\n<h2><b>How Razorpay Handles International Payments<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Razorpay revolutionises international payment processing by prioritising transparency and competitive exchange rates for both merchants and customers. Unlike traditional DCC providers that obscure markups within exchange rates, Razorpay&#8217;s platform displays clear, real-time conversion rates without hidden fees.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The platform enables businesses to offer genuine multi-currency pricing while maintaining transparent fee structures. This approach helps merchants build trust with international customers who&#8217;ve grown wary of what dynamic currency conversion typically offers elsewhere.<\/span><\/p>\n<h3><b>Key Razorpay Features<\/b><\/h3>\n<ul>\n<li><span style=\"font-weight: 400;\"> Real-time exchange rate visibility with transparent fee disclosure<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Settlement options in INR or multiple supported currencies<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 No hidden markups embedded in exchange rate calculations<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Clear fee structure displayed before transaction confirmation<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Helps businesses avoid negative customer experiences due to DCC surprises<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><span style=\"font-weight: 400;\">\u2022 Automated compliance with international payment regulations<\/span><\/li>\n<\/ul>\n<div style=\"background: #f5faff; border-radius: 14px; padding: 30px; text-align: center; margin: 42px 0; box-shadow: 0 8px 20px rgba(26,115,232,0.08);\">\n<h2 style=\"color: #1a73e8; font-size: 24px; font-weight: bold; margin-bottom: 12px;\"><strong>Simplify International Payments with Razorpay<\/strong><\/h2>\n<p style=\"color: #444; font-size: 16px; max-width: 720px; margin: 0 auto 18px; line-height: 1.6;\"><strong>Power your global business the right way. Switch from traditional banking to a<\/strong><br \/>\n<strong>compliant, business-grade international payment solution.<\/strong><\/p>\n<p><a style=\"display: inline-block; background: #1a73e8; color: #ffffff; padding: 14px 26px; font-size: 16px; font-weight: bold; border-radius: 10px; text-decoration: none;\" href=\"https:\/\/razorpay.com\/accept-international-payments\/bank-transfers\/?utm_source=blog&amp;amp;utm_medium=referral&amp;amp;utm_campaign=internationalpayments%22%3E%3Cem%3E%3Cstrong%3ERazorpay%E2%80%99s&quot;\">Explore Razorpay\u2019s Global Payment Solutions<\/a><span style=\"font-size: 19px; background-color: #ffffff;\">\u00a0<\/span><\/p>\n<\/div>\n<h2><b>Conclusion<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Dynamic currency conversion might seem appealing with its promise of payment certainty, but the hidden costs significantly outweigh any convenience benefits. By understanding the meaning of DCC transactions<\/span> <span style=\"font-weight: 400;\">and recognising when merchants offer this service, you can make informed choices that protect your finances during international transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The evidence overwhelmingly supports declining DCC options and choosing local currency payment instead. Whether travelling abroad or shopping internationally online, allowing your card issuer to handle currency conversion through standard processes consistently delivers better value. Remember that non DCC transaction processing might not show immediate conversion amounts, but the savings justify this minor uncertainty.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Protecting yourself from inflated DCC charges requires vigilance and knowledge. Always actively choose your payment currency, understand your card&#8217;s foreign transaction policies, and don&#8217;t let convenience marketing convince you to accept unnecessary costs. With these strategies, you&#8217;ll keep more money in your pocket while enjoying seamless international commerce.<\/span><\/p>\n<h2><b>Frequently Asked Questions (FAQs)<\/b><\/h2>\n<h3><b>What is a DCC transaction?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A DCC transaction involves instant currency conversion at the point of sale, where international purchases are converted to your home currency by the merchant&#8217;s payment processor rather than your card issuer. This service typically includes significant markups embedded in the exchange rate.<\/span><\/p>\n<h3><b>Is it cheaper to choose DCC when travelling?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">No, choosing dynamic currency conversion typically costs 3-8% more than standard bank conversion. Despite the convenience of knowing exact charges immediately, the inflated exchange rates make DCC consistently more expensive than paying in local currency.<\/span><\/p>\n<h3><b>Why do merchants offer DCC?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Merchants offer dynamic currency conversion services because they receive commission shares from the markup fees. This additional revenue stream incentivises businesses to promote DCC options, even though customers pay higher prices.<\/span><\/p>\n<h3><b>Can I decline DCC on online purchases too?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can and should decline DCC transaction options online by carefully reviewing currency selections at checkout. Look for dropdown menus or currency symbols, and always choose the merchant&#8217;s local currency for better exchange rates.<\/span><\/p>\n<h3><b>Will my bank still charge forex fees if I decline DCC?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, unless your card specifically waives foreign transaction fees, your bank may still apply them on non-DCC transaction purchases. However, even with these fees, the total cost typically remains lower than accepting DCC with its inflated exchange rates.<\/span><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is a DCC transaction?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"A DCC transaction involves instant currency conversion at the point of sale, where international purchases are converted to your home currency by the merchant's payment processor instead of your card issuer, usually with added markup in the exchange rate.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Is it cheaper to choose DCC when travelling?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"No, dynamic currency conversion typically costs 3% to 8% more than standard bank conversion. Paying in the local currency is usually more cost-effective.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Why do merchants offer DCC?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Merchants offer dynamic currency conversion because they earn a share of the markup fees, making it an additional revenue stream.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Can I decline DCC on online purchases too?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, you can decline DCC online by selecting the merchant's local currency at checkout instead of your home currency.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Will my bank still charge forex fees if I decline DCC?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yes, your bank may still charge foreign transaction fees unless your card waives them, but the total cost is usually lower than accepting DCC rates.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>When you swipe your credit card abroad or purchase from international merchants, you might encounter an option that seems helpful: paying in your home currency instead of the local one. This service, known as &#8220;Dynamic Currency Conversion&#8221; (DCC), promises transparency and convenience, but it often conceals significant costs that inflate your credit card charges. Understanding<\/p>\n","protected":false},"author":103,"featured_media":26693,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[774],"tags":[],"class_list":{"0":"post-26494","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-coupon-suite"},"_links":{"self":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26494","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/users\/103"}],"replies":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/comments?post=26494"}],"version-history":[{"count":2,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26494\/revisions"}],"predecessor-version":[{"id":26496,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/posts\/26494\/revisions\/26496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media\/26693"}],"wp:attachment":[{"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/media?parent=26494"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/categories?post=26494"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/razorpay.com\/blog\/wp-json\/wp\/v2\/tags?post=26494"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}