Surcharging

Pass The Surcharge Amount In the Transaction

Visa requires the surcharge amount to be populated in a unique field on the transaction. In order to comply with this requirement the surcharge amount must be included in the surchargeAmount field in the sale request.

Example Payload

{ 
  "requestType": "sale", 
  "accountNumber": "411111******1111",
  "accountAccessory": "0429",
  "cvv": "123", 
  "amount": "10300", 
  "surchargeAmount": "300", 
}

The surchargeAmount is the amount you will be surcharging, it can be no more than 3% for merchants in the US and 2.4% in Canada. The amount in the sale request is the total amount of the sale of the good or service PLUS the surchargeAmount.

Surcharges Are Only Permitted on Credit Cards

Surcharges are only permitted on credit cards in U.S. states, U.S. territories or Canadian provinces where surcharges are not prohibited by local law. You can run an account-verification request to determine if a card is a credit or debit card. The
extendedAccountType field in the response will tell you the card type, credit or debit. 

Disclosure

The cardholder must be aware of the surcharge and it must be fully disclosed at the time of checkout and on the receipt or invoice. It must be listed as a separate line item. Here are some sample disclosures from Visa.