Card Surcharging

Surcharging allows businesses to pass payment transaction fees to customers who pay with a credit or debit card. This feature helps offset processing costs while maintaining a smooth, customer-friendly checkout experience. This article explains how surcharging works and how to configure it.

Things to know:

• This feature is controlled by the "Enable Credit Card Surcharging Feature" hidden setting, which can only be enabled by the MyTime team. To enable this setting, please contact support@mytime.com. 
  
• This feature is currently available to businesses that have a Stripe or Global Payment (TSYS) accounts.
  • Global Payments (TSYS) users must complete an enrollment form 30 days before enabling the surcharge feature. To access the enrollment form, click here. 
• The ability to configure surcharges is controlled by the 'Accessing Account Settings' access control.
• To use the surcharging feature, it must be enabled for both online and POS transactions. It cannot be used with one but not the other.
  
• For franchise businesses, this feature is available only at the child level, not the parent. 
• Location Management:

  • When a location is created using the template copier, surcharges are automatically copied.

  • If a location is deleted, the surcharge associated with it is also removed.

  • If all locations assigned to a surcharge are deleted, the surcharge itself will be deleted.

• Surcharges in Royalty, Reconciliation, and POS Accounting:
  • Royalty & Reconciliation: Surcharges are not included in royalty or reconciliation calculations.
  • POS Accounting: Surcharges are fully accounted for in POS accounting. In POSA, surcharges are sent as a separate line item in the journal response. The journal response contains a list of all items on a ticket along with their amounts. Surcharges appear as a new item type labeled "surcharge_item," which can be mapped to the appropriate class in your accounting software through the POS Accounting system.
• When configuring Card Surcharging Rules, the surcharge percentage value must be between 0.1% and 3%. If you enter a value outside this range, the following error will appear: “Surcharge percentage rate must be between 0.1% and 3%.”

• You have the option to configure different surcharges for different regions. This ability is controlled by the 'Enable Different Surcharge Rates' hidden setting that can only be enabled by the MyTime team. To enable this setting, please contact support@mytime.com.

• Regional & Gateway Restrictions

  • Australia (AU) Only Features: The EFTPOS, card type, and region filters are available only for AU locations.

  • Non-AU Locations: For businesses outside of Australia (e.g., the USA), selections are limited. Only the Credit Card option is available, while Debit, EFTPOS, and Both options are disabled.

  • Cloud9 Integration: If your business uses the Cloud9 gateway, the following options are not available: EFTPOS card type, bank transfer transaction type, and Region filters.

Once the hidden setting is enabled:

1. Navigate to Business Setup > Settings
2. Scroll to the POS section 
3. Locate the 'Enable Card Surcharging' setting and toggle it to 'Yes'
4. Review the terms and conditions, check the box, and click 'Accept Conditions' 
5. Once accepted, the screen will display the staff member and date of acceptance
   
6. Click 'Set Card Surcharging Rules by Location' 
7. Set the rules per location

Surcharges For All Regions

If the "Enable Different Surcharge Rates" hidden setting is disabled, you will be able to configure surcharge(s); however, they will not be separated, and you will not be able to define the region. Configure your surcharges using the option below:

• Applicable Locations: Select the locations or location groups for the surcharge.
• Transaction Type: Choose one of the following options:
  • Card Not Present: Applies the configured surcharge fee to cards entered using the Key In Card method in-store or online payments. 
  • Card Present: Applies the configured surcharge fee to cards that are swiped or tapped.
  • All Transactions: Applies the configured surcharge fee to both card-present and card-not-present transactions.
• Card Type: Select from "All Debit Cards," "All Credit Cards," or "All Cards."
  • If only credit or debit is selected, another surcharge can be added for the opposite type.
  • If All Credit and Debit is selected, no additional surcharges can be added for the same location. 
  • For Cloud 9 accounts, only the 'All Credit Card' option is selectable. 
    
• Surcharge Value: Configure the surcharge percentage (0–20%) and/or flat dollar amount (0–20%). Values above 20% display a warning.
• Include Surcharges in Refunds: When enabled, surcharges are refunded along with the original payment. Percentage-based surcharges are refunded on a prorated basis, while flat surcharges are refunded in full.
• Include Surcharge in Membership Recurring Payments: When enabled, configured surcharges are applied to membership recurring charges. Only one surcharge is applied per ticket, even if multiple memberships are billed on the same ticket. 
• +Add Surcharge Rule: Add additional surcharging rules for unselected locations. If all locations are selected, the applicable location will display “No Locations.” 

Stripe Accounts

Cloud 9 Accounts

Surcharges for Different Regions

If the "Enable Different Surcharge Rates" hidden setting is enabled, you will be able to configure surcharge(s) for different regions. Configure your surcharges using the option below:

• Applicable Locations: Select the locations or location groups for the surcharge.
• Transaction Type: Choose one of the following options:
  • Card Not Present: Applies the configured surcharge fee to cards entered using the Key In Card method in-store or online payments. 
  • Card Present: Applies the configured surcharge fee to cards that are swiped or tapped.
  • Bank Transfer: Applies the configured surcharge fee to transactions paid via a bank account, both in-store and online. This option is available only for businesses using Stripe payment accounts. 
  • All Transactions: Applies the configured surcharge fee to both card-present and card-not-present transactions.
• Card Type: Select from "All Debit Cards," "All Credit Cards," "EFTPOS" (Stripe Payment Accounts Only), or "All Cards."
  • If only credit or debit is selected, another surcharge can be added for the opposite type.
  • If All Credit and Debit is selected, no additional surcharges can be added for the same location. 
  • Please Note: For non-Australian accounts, only the 'All Credit Card' option is selectable, while Australian accounts will have all options selectable. 
    
• Region (Stripe Payment Accounts Only): Select the applicable region for card transactions.
  • Domestic: Applies the surcharge fee to cards issued in the same country as the business. Note: For AU locations, selecting Eftpos as the card type will automatically lock the region to Domestic.
  • International: Applies the surcharge fee to cards issued outside the business’s country.
  • Both: Applies the surcharge fee to both domestic and international cards.
• Surcharge Value: Configure the surcharge percentage (0–20%) and/or flat dollar amount (0–20%). Values above 20% display a warning.
• Include Surcharges in Refunds: When enabled, surcharges are refunded along with the original payment. Percentage-based surcharges are refunded on a prorated basis, while flat surcharges are refunded in full.
• Include Surcharge in Membership Recurring Payments: When enabled, configured surcharges are applied to membership recurring charges. Only one surcharge is applied per ticket, even if multiple memberships are billed on the same ticket. 
• +Add Surcharge Rule: Add additional surcharging rules for unselected locations. If all locations are selected, the applicable location will display “No Locations.” 

Stripe Accounts

Cloud 9 Accounts

Once your surcharge(s) are configured, click 'Save' in the surcharge section, then scroll to the bottom of the settings page and click 'Save' once more. 

For more information, contact us at support@mytime.com or (385) 233-6964.      

Related Articles:

Processing and Refunding Surcharges in POS

Surcharge Display for Online Bookings and Purchases

Displaying Surcharges on Payment Terminals