Overview

This SOP outlines the end-to-end process for enabling credit card surcharging for a merchant, covering responsibilities for both the Payments Admin team and the Payments Onboarding team.

Important: Surcharging is only supported for in-person point-of-sale transactions and full payments. It is not supported for websites, virtual terminal, manual entry, partial payments, or tips.

Part 1 – Payments Admin Team

The Payments Admin team is responsible for setting up and configuring surcharging at the portal level.

Step 1 – Create Portal Account

Create the merchant's portal account as part of standard account setup.

Step 2 – Send Application

Send the merchant their payments application to complete.

Step 3 – Toggle On Surcharging in the Portal

Once the account is ready, enable surcharging in the portal:

1. Navigate to Transaction Rates in the merchant's portal settings.
2. Set Rate Type to Flat Rate (required — surcharging is only available with this rate type).
3. Toggle Allow Surcharge to ON.
4. Click Save.

⚠️ Note: Rate Type must be set to Flat Rate when toggling on surcharging.

Part 2 – Payments Onboarding Team