This article details the compliance requirements for integrating PayJunction’s surcharge functionality in accordance with state legislation and Card Brand regulations. It is designed to help ISV partners understand the mandatory compliance elements and assess any development work needed to be to compliant.

There are two key compliance requirements to fulfill when adding surcharge to a payment flow:

1. Pre-payment Surcharge Disclosure
2. Surcharge Information on Receipts

PayJunction has fully implemented both of these requirements in the following products:

• Smart Terminals
• Hosted Payments
• Email & Text Invoices

These solutions include built-in, compliant pre-payment disclosures and automatically itemized surcharge details on receipts therefore no additional development is needed.

For other transaction types, some custom development may be required to meet surcharge compliance standards.

Pre-payment Surcharge Disclosure

Before a payment is processed, customers must be clearly informed that a surcharge applies to credit card transactions. The disclosure must include the following information:

1. A message that states a surcharge will be applied to credit card payments, and include both the surcharge percentage and the surcharge amount.
   Use the GET /terminals API to retrieve the surcharge percentage and apply it to the base amount to calculate the surcharge amount.
2. The base amount.
3. The total amount (base plus surcharge amount).

Surcharge Information on Receipts

Including surcharge information on receipts so customers are clearly notified in writing of the additional fee and that it is not hidden within the total amount. To maintain compliance, receipts must include the following information:

1. The itemized surcharge amount.
2. The itemized base amount.
3. The total amount (base plus surcharge amount).
4. A disclosure message indicating that a surcharge was applied.