📋Surcharge

Configure advanced rules with various payment parameters

Through this section, you will understand the working of Surcharge feature and how to configure it.

PaySwitcher Surcharge feature allows the merchant to configure advanced rules using various payment parameters such as amount, currency etc., to apply surcharges to payments.

What is Surcharge?

A surcharge, sometimes called a checkout fee or service fee, is an additional fee that merchants can impose onto a customer’s bill to cover the costs of credit card or other payment method processing. Each time a business accepts a credit card or online payment, they pay a small fee (either a percentage or a fixed rate) to various entities, including the card brand (Visa, Mastercard, American Express, etc.), issuers (Klarna, Paypal, Affirm, etc) and the payment processor. Usually, merchants absorb this expense. But with a surcharge program, customers pay for the convenience of using their credit card or other payment methods.

How does it work?

PaySwitcher supports surcharge for most payment processors and you can configure surcharge through two ways:

i) Sending the Surcharge details during payments/create request

Surcharge can be applied to a payment using surcharge_details field in payments/create API request

ii) Configuring Surcharge rules using PaySwitcher Control Center

• The Surcharge Manager on the PaySwitcher Control Center allows you to configure advanced rules based on payment parameters to decide when and how much surcharge to apply to the payment

• Surcharge Decision Manager supports rules based on various payment parameters like payment_amount, payment_method, card_network etc. Follow this setup guide to configure rules using the Surcharge Decision Manager
• For example, if you want to apply 5% surcharge for all payments of value greater than $100 then you could setup the following rule on the Surcharge Manager and all the payment requests conforming to that rule would have sucharge of 5% of the original amount being applied to it. ie, If payment amount is 1000$, 1050$ will be sent as authorization amount to the payment processor.

Next step

To test the Surcharge Manager, after activating the rule, we can make a Test Payment using the PaySwitcher Dashboard