JavaScript is disabled. Some features may not work. You can also read the static version: View text version

Surcharge

Surcharge is supported on all payment methods
- Online payments: Cards, Netbanking, UPI, Wallets
- Offline payments: Cash On Delivery

Dimensions available for logic configuration

The surcharge logic can be configured across the following dimensions as per your business requirement

Scroll inside to view more

Dimension Type	Dimensions
Payment Method based	Payment Method Type, Payment Method (Banks in case of NB, Wallet partners etc.)
Card based	Card Type, Issuing Bank, Country, Brand,Card BIN
EMI based	isEMI, EMI Type, EMI Tenure, EMI Bank
Order based	Order amount, Currency
Gateway based	Gateway, Gateway Reference ID
Any other dimension	Based on other details being shared by merchant in UDF1 to UDF10

Values available for logic configuration
- Flat Fee (Absolute amount)
  
  Additional fixed charges on order amount eg. Platform fee, Convenience fee
- Surcharge Rate (Percentage value) :
  
  Additional charges on Order Amount e.g. MDR
- Tax Rate (Percentage value) :
  
  Tax applicable on additional charges i.e. flat fee + surcharge
  For Indian market, CGST & SGST rate can be be defined separately
Merchants can define any either Flat Fee or Surcharge or both. Tax Rate will be applicable based on these additional charges added.

Note

Tax Rate is not calculated on Order Amount. It only calculates the tax applicable on Additional Charges on the order amount i.e. on Flat fee + Surcharge

Example

The final order amount is a sum of Order Amount + Flat Fee + Surcharge + Tax

Where:

Order amount = Rs 100

Surcharge logic configured has following values:

Final Order Amount:

Final Order Amount = Order Amount + Flat Fee + Surcharge + Tax

Surcharge = Surcharge Rate * Order Amount
= 2% of Rs 100
= Rs 2
Tax = Tax Rate * (Flat Fee + Surcharge)
= 2% of (Rs 10 + Rs 2)
= 2% of Rs 12
= Rs 0.24

Final Order Amount = Rs 100 + Rs 10 + Rs 2 + Rs 0.24

= Rs 112.24

Example

Without Surcharge (Default Behavior)

With Customer Fee Bearing Surcharge Enabled

Customer pays the fee, merchant gets full amount.

If you are using Juspay HyperCheckout (payment page), then following design variations are available to display surcharge details

Option 1:
Additional charges can be displayed on the payment page, right below impacted payment instruments.

Option 2:

Additional charges can also be displayed on the payment page on the top, in Order Summary section.

Option 2
Option 3: In case the surcharge logic is based on a particular payment instrument for e.g. specific card BINs, additional charges can be displayed once the user has entered the details of that instrument.

Option 3
Option 4: In case payment gateway processing fee needs to be passed on to users, a gateway selection screen with additional charges mentioned can also be incorporated in the checkout journey.

Option 4

You can use the Transaction Analytics Module in Juspay Dashboard to monitor the traffic and performance of Surcharge transactions