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A surcharge is an additional fee a merchant adds to a transaction when a consumer uses a credit card. The merchant charges this fee to offset the cost of processing the credit card payment.
Important: Surcharging is available only for US issued credit cards when processing a sale or an authorization transaction. A cashback amount is not eligible for surcharge as part of the total amount.
The surcharge setting must be applied to the merchant account. These settings enable a merchant to send a surcharge percent of 3% or less on CP and CNP transactions.
You can add a value of up to 4 decimal places for this setting.
Surcharging amount is calculated as follows: SurchargeAmount = (TransactionAmount + Tax Amount + Tip Amount) X (SurchargePercentage X 0.01)
Warning: If the merchant account is enabled for surcharging, we recommend not to reduce a tip amount as there is a potential that you could exceed your allowed surcharge percentage.
| Name | Type | Size | Description |
|---|---|---|---|
| surcharge_amount | Numeric | Variable | For US credit transactions, this is the surcharge amount applied to the amount submitted in the transaction request if surcharge fees have been configured for the merchant in the gateway. It is a dollar amount the merchant charged the cardholder as a surcharge for paying using a credit card. |
The surcharge_amount field is returned within the fees response object.
...
{
"transactions": [
{
"tender_type": "credit",
"entry_type": "contactless",
"id": "0000012345678903266",
"reference_id": "XAZR863990",
"status": "approved",
"status_code": "200",
"processor_response": "APPROVAL ADB123",
"transaction_datetime": "2025-05-25T13:00:00Z",
"credit_attributes": {
"approval_code": "ADB123",
"avs_response": "full_match",
"avs_response_description": "Match - Street Address",
"cardsecurity_response": "match",
"payment": {
"amount": "10.00",
"cashback_amount": "0.00",
"type": "credit",
"fees": {
"surcharge_amount": "0.03"
}
}
}
}
]
}
...Currently not supported, but yes, surcharge functionality will allow the surcharging to be turned off per transaction in a future release. Although you must charge the same across all card brands, no rule prevents waiving the fee.
No, partial approvals are not allowed when surcharges are a part of the transaction.
Yes, surcharging is supported for recurring subscription payments.
Tips can be surcharged when pre-authorized. Tips applied post-authorization will not be subject to a surcharge.