Surcharging

Credit Surcharge is a feature where merchants may append an additional charge to the amount of a transaction processed on an eligible credit card.

1. Getting Started with Surcharging

Surcharging FAQ

Learn more

Prior to implementing Surcharging, please review the Surcharging FAQs. This guide contains crucial information about how to get registered for Surcharging, which cards are eligible for Surcharging, notifying Moneris and Mastercard about your intent to implement Surcharging, and more

2. Surcharge Lookup API

The Surcharge Lookup API call enables you to confirm the eligibility of a card to be surcharged. Only eligible credit cards can be surcharged, so you must confirm the eligibility of the card using the Surcharge Lookup API prior to processing.

Things to Consider:

  • Card association rules require that cardholders must be informed of any surcharge by a merchant.

  • The cardholder must be offered an option for canceling the transaction if they refuse the surcharge.

This API performs a POST request on /surcharge-lookups. Some important request fields to note about this API call include:

  • amount (Object):

This specifies the total amount of the transaction (including the amount to be surcharged).

  • amount: Integer value in cents (e.g., $10.59 → 1059)

  • currency: ISO currency code (e.g., CAD, USD)  

  • paymentMethod (Object)

This specifies the Payment Method that you would like to determine the eligibility of for Surcharging.

In the response of a Surcharge Lookup request, you will receive:

3. Create Payment with Surcharging

Following the Surcharge Lookup API call, you may perform a Payment with Surcharging. This can be done using the Create Payment API, which can be performed by doing a POST request on /payments. Some important request fields to note about this API call include:

  • amount (Object):
    This specifies the total amount of the transaction (including the amount to be surcharged).

    • amount: Integer value in cents (e.g., $10.59 → 1059)

    • currency: ISO currency code (e.g., CAD, USD)

  • amountDetails.surchargeAmount (Object):
    This specifies the amount of the surcharge fee itself.

    • amount: Integer value in cents (e.g., $10.59 → 1059)

    • currency: ISO currency code (e.g., CAD, USD)

Additional Information

Learn more with the API Definitions

Peruse the endpoints, request/response formats, and authentication methods covered in this scenario.

API References