---
title: "Configuration-based surcharge"
description: "Define rules for surcharge amounts or percentages, and when to apply them."
url: "https://docs.adyen.com/point-of-sale/surcharge/configuration"
source_url: "https://docs.adyen.com/point-of-sale/surcharge/configuration.md"
canonical: "https://docs.adyen.com/point-of-sale/surcharge/configuration"
last_modified: "2026-06-01T15:33:14+02:00"
language: "en"
---

# Configuration-based surcharge

Define rules for surcharge amounts or percentages, and when to apply them.

[View source](/point-of-sale/surcharge/configuration.md)

Using Management API settings, you can configure surcharge rules for your Adyen company or merchant account, store, or individual terminals. Your rules need to take into account all applicable compliance requirements and aspects such as payment method (card brand), funding source, issuing country, and currency.

Based on the rules you configured, surcharges are then automatically calculated and applied to your in-person payments.

Depending on your [use case](/point-of-sale/surcharge#surcharge-methods), you can combine configuration-based surcharge with [dynamic surcharge](/point-of-sale/surcharge/dynamic).

## Requirements

In addition to the general [surcharge requirements](/point-of-sale/surcharge#requirements), take into account the following information.

| Requirement                                                   | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
| ------------------------------------------------------------- |   |
| **Integration type**                                          | Configuration-based surcharge is supported with:- A [Terminal API integration](/point-of-sale/design-your-integration/) with payment terminals or with a [Tap to Pay](/point-of-sale/ipp-mobile/) Mobile solution.
- A [standalone solution](/point-of-sale/standalone).When using payment terminals, note the required terminal software version:- **v1.108** to apply a maximum surcharge amount per transaction.
- **v1.112** to differentiate between commercial and consumer cards.
- **v1.115** to exclude gratuities (tips) from surcharging.
- **v1.117** to apply surcharges to Mail Order/Telephone Order (MOTO) and Manual Key Entry (MKE) payments. |
| **[API credentials](/development-resources/api-credentials)** | You must have an API credential with an API key and the following [roles](/development-resources/api-credentials#api-permissions):- Management API—Terminal settings read
- Management API—Terminal settings read and writeIf you have a Terminal API integration with [cloud-based communications](/point-of-sale/design-your-integration/choose-your-architecture#cloud-communications), you can use the existing API key that you use for Terminal API requests.                                                                                                                                                                                             |
| **[Webhooks](/development-resources/webhooks)**               | It is recommended to subscribe to **Standard** webhooks and [enable](/point-of-sale/surcharge#surcharge-in-authorisation-webhooks) receiving the surcharge amount in AUTHORISATION webhook messages.                                                                                                                                                                                                                                                                                                                                                                                                                                                            |
| **Hardware**                                                  | Configuration-based surcharge is not supported with **SFO1** terminals or with [NYC1 card readers](/point-of-sale/ipp-mobile/) (in a Mobile solution).                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          |
| **Limitations**                                               | Note the following:- For surcharges on Tap to Pay transactions, the [surcharge confirmation screen](/point-of-sale/surcharge#surcharge-confirmation-screen) does not show.
- Requests to live Management API endpoints related to terminal settings are subject to [rate limits](/point-of-sale/automating-terminal-management#rate-limits-in-the-live-environment).                                                                                                                                                                                                                                                                                            |
| **Setup steps**                                               | For surcharges on Tap to Pay transactions, ask our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to enable single tap.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |

## How it works

After the surcharge amounts and/or percentages are [configured](#configure-surcharges):

1. You make a payment request like you normally do. There are no special parameters required to trigger the surcharge.

2. The payment terminal or mobile device shows a screen with the purchase amount and instructs the customer to present their card.

3. Based on the card that the customer presents, the terminal or Mobile SDK calculates the surcharge using the surcharge amounts and/or percentages you configured.

4. Depending on your configuration and solution, the [surcharge confirmation screen](/point-of-sale/surcharge#surcharge-confirmation-screen) appears. This enables the customer to accept the surcharge, or cancel the transaction.

   In a Mobile solution or if you choose to skip the confirmation screen, you must provide another form of disclosure.

5. If the customer accepts the surcharge, the payment is processed and the payment response shows the surcharge amount in the `TotalFeesAmount` field.

## Configure surcharges

The payment acceptance fee that you pay depends on the payment method brand (scheme), funding source (credit or debit), currency, and the country/region that issued the payment method (domestic or international). Therefore, the surcharge that you pass on to the customer must be specific for the combination of brand, funding source, currency, and country/region.

The surcharge can be a fixed amount for each transaction, a percentage of the sum of the purchase amount and the tip, or both a fixed amount and a percentage.

In addition, you can:

* Specify a maximum surcharge amount.
* Indicate if the surcharge should only be applied if the payment method is a commercial/business card. This is important in countries/regions where surcharges on consumer cards are not allowed.
* Indicate if the surcharge should not be applied to gratuities (tips). This is important in countries/regions where it is prohibited to apply charges to tips.
* Indicate if the surcharge confirmation screen should be shown. If you hide this screen, regulations require you to provide another form of surcharge disclosure.

To configure surcharges:

1. Check the current surcharge configuration (if any) by making a GET request to the `/terminalSettings` endpoint for the [company account](https://docs.adyen.com/api-explorer/Management/latest/get/companies/\(companyId\)/terminalSettings), [merchant account](https://docs.adyen.com/api-explorer/Management/latest/get/merchants/\(merchantId\)/terminalSettings), [store](https://docs.adyen.com/api-explorer/Management/latest/get/stores/\(storeId\)/terminalSettings) or [terminal](https://docs.adyen.com/api-explorer/Management/latest/get/terminals/\(terminalId\)/terminalSettings), and checking the `surcharge` object.

2. Create an overview of all surcharges that you want to apply. For example:

   | Brand      | Only commercial cards | Funding source  | Country/ region | Currency | Percentage | Amount   | Max. amount |
   | ---------- | --------------------- | --------------- | --------------- | -------- | ---------- | -------- | ----------- |
   | eftpos     | false                 | Debit           |                 | AUD      | (none)     | AUD 0.10 | (none)      |
   | Mastercard | false                 | Credit          |                 | AUD      | 0.58 %     | AUD 1    | (none)      |
   | Mastercard | false                 | Debit           |                 | AUD      | 0.58 %     | (none)   | AUD 10      |
   | Visa       | false                 | Credit or Debit | AU, NZ          | AUD      | 0.63 %     | (none)   | (none)      |
   | Visa       | false                 | Credit or Debit |                 | AUD      | 1.63 %     | (none)   | (none)      |
   | Visa       | true                  | Credit or Debit | NL              | EUR      | 1.63 %     | (none)   | (none)      |

   Specifying a country/region applies the surcharge settings only to payment methods issued in that country/region. If not specified, the surcharge applies to all payment methods that meet the rest of the conditions.

3. Make a PATCH request to the `/terminalSettings` endpoint for the [company account](https://docs.adyen.com/api-explorer/Management/latest/get/companies/\(companyId\)/terminalSettings), [merchant account](https://docs.adyen.com/api-explorer/Management/latest/get/merchants/\(merchantId\)/terminalSettings), [store](https://docs.adyen.com/api-explorer/Management/latest/get/stores/\(storeId\)/terminalSettings) or [terminal](https://docs.adyen.com/api-explorer/Management/latest/get/terminals/\(terminalId\)/terminalSettings).\
   In the request body, specify a [surcharge](https://docs.adyen.com/api-explorer/Management/latest/patch/companies/\(companyId\)/terminalSettings#request-surcharge) object with the following properties:

   | Parameter                                                                                                                                                                           | Data type      | Description                                                                                                                                                                                                                                                                                                                                |
   | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | -------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
   | [askConfirmation](https://docs.adyen.com/api-explorer/Management/latest/patch/companies/\(companyId\)/terminalSettings#request-surcharge-askConfirmation)                           | Boolean        | Indicates whether to show (**true**) or hide (**false**) the [surcharge confirmation screen](#how-it-works) on the payment terminal.                                                                                                                                                                                                       |
   | [excludeGratuityFromSurcharge](https://docs.adyen.com/api-explorer/Management/latest/patch/companies/\(companyId\)/terminalSettings#request-surcharge-excludeGratuityFromSurcharge) | Boolean        | Indicates whether to apply surcharges only to the purchase amount (**true**) or to the total of purchase amount and tip amount (**false**). Set this parameter to **true** if your country/region prohibits deducting charges from the tips that customers leave for the employees.                                                        |
   | [configurations](https://docs.adyen.com/api-explorer/Management/latest/patch/companies/\(companyId\)/terminalSettings#request-surcharge-configurations)                             | Array\[Object] | Array of payment methods for which to apply surcharges. Each payment method is an array item that includes details about how to apply the surcharge.The order of array items inside the `configurations` array impacts the order of execution. The condition that is met first is executed without checking the rest of the configuration. |

   For each array item in the [configurations](https://docs.adyen.com/api-explorer/Management/latest/patch/companies/\(companyId\)/terminalSettings#request-surcharge-configurations) object, specify:

   | Parameter    | Required                                                                                    | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                |
   | ------------ | ------------------------------------------------------------------------------------------- |   |
   | `brand`      | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | A payment method [supported for Management API](/development-resources/paymentmethodvariant#management-api), for example `eftpos_australia` or `mc`.                                                                                                                                                                                                                                                                                                                                                                                                       |
   | `currencies` | ![-white\_check\_mark-](/user/data/smileys/emoji/white_check_mark.png "-white_check_mark-") | An object with:- `currencyCode`: (required) the three-character [ISO currency code](/development-resources/currency-codes).
   - `percentage`: surcharge percentage per transaction up to two decimal places. For example, 1% or 2.27%.
   - `amount`: surcharge amount per transaction, in [minor units](/development-resources/currency-codes).
   - `maxAmount`: the maximum surcharge amount per transaction, in [minor units](/development-resources/currency-codes). This object must contain the `currencyCode` and a `percentage` or an `amount` (or both). |
   | `sources`    |                                                                                             | Can be: **Credit** or **Debit**. If not specified, the `currencies` settings apply to all possible funding sources for the `brand`.                                                                                                                                                                                                                                                                                                                                                                                                                        |
   | `country`    |                                                                                             | The country/region of the issuer, in [two-letter ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) country code format. If used, the surcharge settings only apply if the payment method was issued in that country/region.                                                                                                                                                                                                                                                                                                            |
   | `commercial` |                                                                                             | Set to **true** to indicate that the surcharge should be applied only in case of a commercial/business card. If not specified, the default value **false** is used. This setting is important in countries/regions where a surcharge is not allowed for consumer cards.This check is not supported on mobile devices used in a Mobile solution. On payment terminals this check is not supported when the internet connection is down.                                                                                                                     |

   **Configure surcharges**

   ```bash
   curl https://management-test.adyen.com/v3/stores/{storeId}/terminalSettings \
   -H 'x-API-key: YOUR_X-API-KEY' \
   -X PATCH \
   -d '{
       "surcharge":{
           "askConfirmation":true,
           "excludeGratuityFromSurcharge":false,
           "configurations":[
               {
                   "brand":"mc",
                   "sources":[
                       "Credit"
                   ],
                   "currencies":[
                       {
                           "currencyCode":"AUD",
                           "percentage":"0.58",
                           "amount":"100"
                       }
                   ]
               },
               {
                   "brand":"mc",
                   "sources":[
                       "Debit"
                   ],
                   "currencies":[
                       {
                           "currencyCode":"AUD",
                           "percentage":"0.58",
                           "maxAmount":"10000"
                       }
                   ]
               },
               {
                   "brand":"eftpos",
                   "sources":[
                      "Debit"
                   ],
                   "currencies":[
                       {
                           "currencyCode":"AUD",
                           "amount":"10"
                       }
                   ]
               },
               {
                   "brand":"visa",
                   "sources":[
                       "Credit",
                       "Debit"
                   ],
                   "currencies":[
                       {
                           "currencyCode":"AUD",
                           "percentage":"0.63"
                       }
                   ],
                   "country":[
                       "AU", "NZ"
                   ]
               },
               {
                   "brand":"visa",
                   "sources":[
                       "Credit",
                       "Debit"
                   ],
                   "currencies":[
                       {
                           "currencyCode":"AUD",
                           "percentage":"1.63"
                       }
                   ]
               },
               {
                   "brand":"visa",
                   "sources":[
                       "Credit",
                       "Debit"
                   ],
                   "currencies":[
                       {
                           "currencyCode":"EUR",
                           "percentage":"1.63"
                       }
                   ],
                   "country":[
                       "NL"
                   ],
                   "commercial":true
               }
           ]
       }
   }'
   ```

   The response returns the surcharge settings as well as all other terminal settings at the level where you made the request.

4. (Optional) Ask our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to configure **single tap**. When this feature is enabled, the customer doesn't need to present their contactless card again after the terminal has calculated the total amount.

   When accepting payments with surcharges using Tap to Pay on a mobile device, only the single tap flow is available. Ask our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) to configure **single tap**.

## Opting out for MOTO and MKE

With terminal software version **v1.117** and later, the surcharge configuration that you set up also applies to [Mail Order/Telephone Order](/point-of-sale/mail-and-telephone-order-moto) (MOTO) and [Manual Key Entry](/point-of-sale/enter-payment-manually) (MKE) payments.

If you have previously developed your own solution for surcharging MOTO and MKE payments, there is a risk of double surcharging: once through the surcharge configuration, and once through your own solution. To avoid this issue, you can opt out of the Adyen surcharge feature for MOTO and MKE payments. You can set this on any level: company account, merchant account, store, or individual payment terminals.

Reach out to your Adyen account manager or technical contact if you want to opt out.

## If you need help

If you cannot use Management API to configure the surcharge feature yourself:

1. Make an overview of surcharges as described under [Configure surcharges](#configure-surcharges).

2. Contact our [Support Team](https://ca-test.adyen.com/ca/ca/contactUs/support.shtml?form=other) and ask them to:

   * Configure the surcharge feature according to your overview.
   * Enable or disable skipping the confirmation screen.
   * (Optional) Configure single tap.

## See also

* [Dynamic surcharge](/point-of-sale/surcharge/dynamic)
* [Card application selection](/point-of-sale/aid-selection-rules)
* [Use API calls to configure terminals](/point-of-sale/automating-terminal-management/configure-terminals-api)
* [Surcharge compliance guide](/development-resources/surcharge-compliance)
