---
title: "Surcharge"
description: "Pass on payment acceptance fees to customers as a surcharge to their payments."
url: "https://docs.adyen.com/point-of-sale/surcharge"
source_url: "https://docs.adyen.com/point-of-sale/surcharge.md"
canonical: "https://docs.adyen.com/point-of-sale/surcharge"
last_modified: "2026-06-01T15:33:14+02:00"
language: "en"
---

# Surcharge

Pass on payment acceptance fees to customers as a surcharge to their payments.

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

Payment brands, such as card schemes and debit network providers, charge a fee for accepting payments on their payment network, called a payment acceptance fee. Usually, businesses include the costs for payment-related fees in the prices they charge. But in some countries/regions it is common to pass on these costs as a surcharge when the customer uses a card for payment.

## Requirements

Before you begin, take into account the following requirements, limitations, and preparations.

| Requirement          | Description                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  |
| -------------------- |   |
| **Integration type** | The supported in-person payments solution and hardware differ per [surcharge method](#surcharge-methods). For details, see:- [Configuration-based surcharge](/point-of-sale/surcharge/configuration)
- [Dynamic surcharge](/point-of-sale/surcharge/dynamic)                                                                                                                                                                                                                                                                                                                                                 |
| **Limitations**      | Note the following:- The surcharge feature is available in Australia, Canada, Europe, Great Britain, New Zealand, and the United States.
- For surcharges in a Mobile solution, the [surcharge confirmation screen](#surcharge-confirmation-screen) does not show.
- It is not allowed to apply a [surcharge and Dynamic Currency Conversion](#surcharge-or-dcc) to the same transaction.
- It is not allowed to apply surcharges to authorization adjustments or overcaptures, because the surcharge amount cannot be higher than the surcharge amount that was shown to the customer at the point of sale. |
| **Setup steps**      | Before you begin:- Make sure you comply with the general and regional compliance requirements mentioned in our [Surcharge compliance guide](/development-resources/surcharge-compliance).
- Also consult your own legal advisor on compliance with regulatory requirements, and review the scheme rules for the latest information.                                                                                                                                                                                                                                                                          |

## Compliance

Surcharges must comply with legal, regulatory, and card scheme requirements. For example, schemes require that you provide signage to inform customers about the payment methods that are subject to surcharges, and the related costs such as the surcharge percentage.

Surcharging is also subject to specific local/jurisdictional restrictions. For example, in the European Economic Area (EEA) surcharges are not allowed on payments made with a consumer card that was issued in the EEA. And in the US surcharges are not allowed on payments made with a debit card.

The Adyen surcharge feature does not include automated global compliance enforcement. You must validate your setup against the compliance considerations and local mandates. We strongly recommend you consult your own legal advisor on compliance with regulatory and legal implications and use the correct settings based on our [Surcharge compliance guide](/development-resources/surcharge-compliance).

### Compliant receipts

The Adyen-generated receipt data that you receive in the Terminal API response include the surcharge amount, both in the merchant receipt and in the shopper receipt. We strongly recommend using the Adyen-generated receipt data without alterations.

If you customize receipts, it is your responsibility to ensure that all scheme requirements are met, including requirements for disclosing the surcharge amount on the receipt.

If you use a standalone terminal, the built-in printer automatically prints a compliant receipt.

## Surcharge methods

You can add a surcharge to in-person payments using various methods:

* [Configuration-based surcharge](/point-of-sale/surcharge/configuration).\
  Using configuration settings, you create rules to apply surcharges depending on aspects such as payment method (card brand), funding source, issuing country, and currency. You can create these rules for your Adyen company or merchant account, store, or individual terminals. The surcharge amount is then calculated and applied automatically.

* [Dynamic surcharge](/point-of-sale/surcharge/dynamic).\
  You use your own logic or a third-party service to calculate the amount of the surcharge. To get the data needed for this calculation, you can send a card acquisition request. Then you specify the calculated surcharge fee in your payment request.\
  This method is not supported with standalone terminals.

You can use either method, or both. When you use both methods, passing a surcharge amount in the payment request overrules the configuration-based surcharge.

The following considerations can help you choose a surcharge method:

| Use case                                                                                                                                                                                                                                                                                             | Surcharge method(s)                                                                                                                                                                                                      |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ |
| You do not have your own logic or a third-party service for the surcharge calculation.                                                                                                                                                                                                               | Configuration-based surcharge.                                                                                                                                                                                           |
| You have only standalone terminals, a mix of both integrated and standalone terminals, or want to be able to switch terminals between integrated and standalone mode.                                                                                                                                | Standalone terminals only support configuration-based surcharge, so you must set up a surcharge configuration. For the integrated terminals you can use the same configuration-based surcharge and/or dynamic surcharge. |
| You want to be able to apply a zero (0) surcharge on specific transactions. For example, for a better customer experience on very high value transactions.                                                                                                                                           | You can use dynamic surcharge for all transactions, or set up configuration-based surcharge and overrule this using dynamic surcharge only when desired.                                                                 |
| You have your own surcharge calculation logic that you want to apply to both point-of-sale and ecommerce transactions.                                                                                                                                                                               | Dynamic surcharge.                                                                                                                                                                                                       |
| You want to use a third party for the surcharge calculation. This option is especially useful if you want to move terminals between locations (within the country/region that the terminal was ordered for) with different compliance requirements. For example, between different states in the US. | Dynamic surcharge.                                                                                                                                                                                                       |

## Surcharge confirmation screen

As part of the surcharge flow on payment terminals, the terminal can show a confirmation screen with the total amount of the payment, the surcharge amount, and the payment method to which the surcharge is applied.

![](/images/b/e/a/8/a/bea8a9b66f9e56552cdd29b3819457caa9b1064b-screen-ensurcharge-final.png)

The customer can then:

* Accept the surcharge by selecting **Confirm** (or the **![](/images/6/9/3/7/8/6937831b6e8ba90eddeddde32c67f49162760228-confirm2x.png)** key).
* Reject the surcharge by selecting the button to cancel the transaction (or the **![](/images/5/8/8/4/9/58849deb729ef765fb92c34a2b367b9ae58a5598-cancel2x.png)** key).

In a Mobile solution, a confirmation screen is currently not supported.\
Be aware that regulations require you to inform the customer that a surcharge is added to the payment amount.

You can choose to skip the surcharge confirmation screen provided by Adyen in favor of other forms of disclosure. Reasons for this choice can be, for example:

* The rules and regulations on surcharge disclosure applicable to the location of the store.
* Local habits with regard to the payment flow.
* The use of your own application for surcharge disclosure (for example, in a Mobile solution).

To show or skip the Adyen confirmation screen, you need to use the Management API to configure the terminal setting `askConfirmation`.

## Surcharge or DCC

It is not possible to apply both Dynamic Currency Conversion (DCC) and a surcharge to the same transaction. You can nevertheless integrate both the DCC feature and the surcharge feature:

* If your payment terminals are on a software version **earlier than v1.112**, we recommend not configuring both features on the same terminals.
* If your payment terminals are on software version **v1.112 or later**, we automatically skip DCC if the surcharge amount is greater than 0 (zero).
* The flexible [surcharge configuration](/point-of-sale/surcharge#configure-surcharges) enables you to configure surcharges for some cases and not for other cases, so that you can offer DCC in those other cases.

## Surcharge in AUTHORISATION webhooks

To have more visibility on the surcharge amounts that were added to payments, we strongly recommend that you enable receiving the surcharge amount in [AUTHORISATION](https://docs.adyen.com/api-explorer/Webhooks/latest/post/AUTHORISATION) webhook messages.

You can enable this in your [Customer Area](https://ca-test.adyen.com/) using either of the following methods:

* Update the configuration of the **Standard** webhook type by selecting the additional setting **Include Extra Costs Surcharge**. For instructions, see [Additional settings](/development-resources/webhooks/webhook-types/additional-settings).

* Under **Developers** > **Additional data** select **Surcharge amount** and save the change.

AUTHORISATION webhook messages then include an `additionalData` object with:

* `extraCostsCurrency`: The currency of the surcharge.
* `extraCostsValueSurcharge`: The amount of the surcharge [in minor units](/development-resources/currency-codes).

**AUTHORISATION webhook message with surcharge details**

```json
{
  "live": "false",
  "notificationItems": [
    {
      "NotificationRequestItem": {
        "additionalData": {
          "authCode": "123456",
          "cardSummary": "9999",
          "expiryDate": "02/2028",
          "extraCostsCurrency": "USD",
          "extraCostsValue": "2000",
          "extraCostsValueSurcharge": "2000"
        },
        "amount": {
          "currency": "USD",
          "value": 62000
        },
        "eventCode": "AUTHORISATION",
        "eventDate": "2026-01-05T16:00:01.973Z",
        "merchantAccountCode": "ADYEN_MERCHANT_ACCOUNT",
        "merchantReference": "1753267488",
        "operations": [
          "CANCEL",
          "CAPTURE",
          "REFUND"
        ],
        "paymentMethod": "mc",
        "pspReference": "CWBC43ZX2VTFWR82",
        "reason": "123456:9999:02/2028",
        "success": "true"
      }
    }
  ]
}
```

## Surcharge in reports

To have full visibility of the surcharge amounts that were added to payments, we strongly recommend you [add an extra column](/reporting/invoice-reconciliation/payment-accounting-report/#configure-report-columns) **Surcharge Amount** to the following reports:

* [Payment Accounting Report](/reporting/invoice-reconciliation/payment-accounting-report) (PAR)
* [Settlement Detail Report](/reporting/settlement-reconciliation/transaction-level/settlement-details-report) (SDR)

## Next steps

[![](/user/themes/adyen/images/illustrations/settings.svg)](/point-of-sale/surcharge/configuration)

###### [Configure surcharge](/point-of-sale/surcharge/configuration)

[Apply surcharges based on surcharge settings for your Adyen account, store, or terminal.](/point-of-sale/surcharge/configuration)

[![](/user/themes/adyen/images/illustrations/user-plus.svg)](/point-of-sale/surcharge/dynamic)

###### [Use dynamic surcharge](/point-of-sale/surcharge/dynamic)

[Apply surcharges by specifying a surcharge amount in your transaction request.](/point-of-sale/surcharge/dynamic)
