Credit surcharge is a fee that is paid by the cardholder and is added to the transaction amount to have the merchant recover some of the cost of the transaction fee.
This surcharge amount is set by the merchant and sent by the POS Application by setting the creditSurchargeAmount in the endpoint call to triPOS.
Credit surcharge is only allowed for credit transactions i.e. Sale and Auth.The CreditSurchargeAmount in the triPOS response will only be present with credit cards and will be absent with debit cards.
If the transaction satisfies the CREDIT condition (a credit sale or auth), the surcharge fee will be added to the total amount.
Settlement will be processed directly to the merchant account based on the totalAmount. Whether or not to prompt the cardholder to accept the surcharge is configurable and by default is ‘false’.
triPOS logs surcharge amount in the Express Surcharge field for Authorization.
Consider the example below for Credit Card:
creditSurchargeAmount: 1.00
transactionAmount: 99.00
totalAmount :100.00
The totalAmount = transactionAmount + creditSurchargeAmount.
If cardholder denied creditSurchargeAmount then transaction will be cancelled.
Consider the example below for Debit Card:
transactionAmount: 99.00
totalAmount :99.00
The integrator needs to inspect the triPOS response to know whether a card is actually supportive for credit surcharge. If the card qualifies for surcharging the Merchant and Cardholder copy requires separate line items to be on the receipt displaying the surcharge amount (creditSurchargeAmount) and the totalAmount.
And if the card does not qualify for surcharge the creditSurchargeAmount should reflect 0.00 and totalAmount should equal the transactionAmount and be displayed on the receipt.