A surcharge is an additional amount charged by the merchant to cover the cost of accepting card payments. The Mastercard Payment Gateway's surcharging functionality allows you to apply a surcharge on a transaction based on the following parameters:
To allow the gateway to compute a surcharge for a transaction, you must configure surcharge rules in Merchant Administration. Alternatively, you can provide a pre-calculated surcharge on the order if you are integrating using API/Batch.
The gateway supports surcharging on transactions using the following integration methods:
You can apply a surcharge on an order using one of the following options:
To allow the gateway to calculate a surcharge, provide the following field in an Authorize/Pay or an Update Session request:
order.netAmount: This is the amount payable for the order before surcharging is applied.order.amount field in the request. See FAQs below.You can submit a Retrieve Transaction/Retrieve Order request to retrieve the following surcharging details:
order.surchargeAmount: The surcharge calculated by the gateway based on your surcharge rules.order.amount: The total amount for the order, inclusive of the surcharge amount. Payment Options Inquiry operation to request the calculated surcharge amount by providing the fields: order.netAmount, order.currency, gatewayEntryPoint, and sourceOfFunds.provided.card.prefixProvide the following fields in an Authorize/Pay/Standalone Capture or an Update Session request:
order.amount: The total amount for the order, inclusive of the surcharge amount.order.surchargeAmount: The surcharge, if any, applicable to this order. This amount must be included in the total order amount that you specify in the order.amount field.Submitting a Retrieve Transaction/Retrieve Order request will return surcharging details as provided by you in the transaction request plus order.netAmount (net amount derived as order amount minus surcharge amount).
Payment Options Inquiry operation to request card scheme/funding details to help you assess and apply the correct surcharge for a card. For more information, see FAQs below.Authorize API Reference [REST][NVP]
To apply a surcharge on a Hosted Checkout payment, provide the following field in the Hosted Checkout request (Checkout.configure() function or Create Checkout Session operation depending on your checkout flow):
order.netAmount: The amount payable for the order before surcharging is applied. order.amount field in the request. See FAQs below.You can submit a Retrieve Transaction/Retrieve Order request to retrieve the surcharging details:
order.surchargeAmount: The surcharge calculated by the gateway based on your surcharge rules.order.amount: This is the net amount plus surcharge. The payer will be able to view the applicable surcharge for the card they have entered and may choose to proceed with the new total amount, use a different card, or cancel the order. The payment receipt presented to the payer will display the surcharge amount that has been applied.
order.netAmount and order.amount fields in my request?Providing both order.netAmount and order.amount fields without order.surchargeAmount will return an error because the gateway does not have sufficient information to calculate the surcharge. The gateway requires you to provide either the order.netAmount field OR the order.amount field.
If you provide all three fields then the gateway will not calculate the surcharge instead use the surcharge amount as provided by you.
Yes. To opt out of surcharging, provide the order.amount field in your transaction request to indicate the total amount for the order — do not provide order.netAmount or order.surchargeAmount fields.
Yes. Because the surcharge is included in the order.amount field, and it is this amount that's refunded to the payer, the surcharge amount will be refunded too. In case of partial refunds, the surcharge amount will be refunded on a pro rata basis.
Yes, the gateway will include the applicable surcharge in the order amount, which will be returned as paymentTypes.card.currencyConversion.payerAmount in the payer's billing currency and as order.amount field in your preferred currency (in the Payment Options Inquiry operation response).
You can provide the sourceOfFunds.provided.card.prefix field in the Payment Options Inquiry request to retrieve the following scheme/funding details about the card used for payment, which may assist you in surcharging decisions:
paymentTypes.card.scheme: The organization that owns a card brand and defines operating regulations for its use.paymentTypes.card.brand: The brand name used to describe the card that is recognized and accepted globally. For many major card types this will match the scheme name. In some markets, a card may also be co-branded with a local brand that is recognized and accepted within its country/region of origin (see Local Brand).paymentTypes.card.localBrand: The brand name used to describe a card that is recognized and accepted within its country/region of origin. The card may also be co-branded with a brand name that is recognized and accepted globally.paymentTypes.card.fundingMethod: The method used by the payer to provide funds for the payment.You can use these details to calculate a surcharge based on the card presented by the payer.
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