🚨 This feature is in testing with our product team and will be released in the near future. All clinics using Stripe will be notified when the feature is live.
📝 Overview
Surcharging through DaySmart Payments via Stripe allows merchants to pass on card processing costs by adding a fee to card transactions that their customers will pay. When customers pay this fee, the merchant will be able to keep the entirety of the cost of the transaction as income without having to pay card processing fees.
Requirements
To enable surcharging, merchants must meet specific availability, rates, and compliance requirements. This includes operating in supported regions, applying fixed surcharge rates, and adhering to card network and local disclosure rules.
Surcharging is currently only available for merchants in the United States, Canada, Australia, and New Zealand using DaySmart Payments via Stripe. DaySmart does not currently support surcharging in the following states/regions in the United States:
California
Colorado
Connecticut
Maine
Massachusetts
New York
Oklahoma
Puerto Rico
💡 Surcharging availability is subject to change at any time and may be removed from your account as rules and regulations change.
💳 Compliance
Merchants are responsible for following the disclosure requirements of all card networks accepted and their jurisdiction when surcharging is enabled.
Click the arrow to learn more about compliance
Click the arrow to learn more about compliance
Merchants who surcharge must display a clear disclosure of their card surcharge policy within their business. This must be inclusive of the rate that is used to calculate the fees of the surcharge. The rate can be found in your software under Settings > Payments > Surcharging.
Consult the rules of the card networks you accept and your jurisdiction for specific information on the requirements you must meet as a merchant that surcharges. Stripe will handle acquirer notification on your behalf.
Card network requirements can be found below:
Visa (US)
Mastercard (US)
Disclosure form details can be found here
✅ How to Enable Surcharging
When using Stripe, you have the ability to turn on a fixed surcharging fee (based on location) that will automatically apply to all invoice totals.
Click the arrow to learn to how to setup surcharging
Click the arrow to learn to how to setup surcharging
The surcharging amount is non-configurable. The rates are as follows for the eligible countries.
United States: 3%
Canada: 2.4%
Australia: 4%
New Zealand: 4%
⚠️ Surcharging is prohibited on debit card transactions in the United States and Canada. Customers will not be surcharged if a card used is determined to be a debit card in these regions.
Terminals that Allow Surcharging
Currently surcharging is only available using the following terminals for card present transactions:
BBPOS WisePOS E
Stripe Reader S700
Surcharging will not be applied using the following terminals for card present transactions:
Stripe Reader M2
BBPOS WisePad 3
Tap to Pay on iPhone
Tap to Pay on Android
💡 If a new terminal is needed, click the button below to learn more.
Enabling Surcharging
By default, surcharging will be disabled and will have to be enabled from the Settings > Payments > Surcharging.
Click the toggle next to Enable Surcharging to enable the surcharging rate. A popup will appear where you must agree to the terms and conditions. When agreed, the toggle will turn green, which indicates surcharging is enabled.
🧍🏽♀️How the Client is Notified
The client will be notified of the surcharging percentage rate, and surcharge amount in a few different locations.
Click the arrow to learn how the client is notified
Click the arrow to learn how the client is notified
When a client is making a payment on a terminal, they will be alerted of the surcharge percentage amount on the bottom of the terminal transaction.
After the payment is approved, the surcharge amount will show on the terminal.
When a client makes an online payment—either through a Pay Now link or the PetCare Mobile App—they’ll see a notification at the top of the payment screen showing the surcharge percentage.
The surcharge amount will be shown on the exported receipt once the transaction is complete.
Additionally, under the client's payment transaction in your account, the surcharge amount will be displayed.
🏦 How Refunding Surcharge Amount Works
If a refund or return is processed, the surcharge amount is returned to the client.
Click the arrow to learn more
Click the arrow to learn more
When a payment includes a surcharge and you issue a partial refund, the surcharge portion will also be partially refunded. This ensures the customer is refunded fairly and accurately. The surcharge refund is recalculated using the same surcharge percentage that was applied to the original payment.
Instead of refunding the full surcharge, only the portion that corresponds to the refunded amount is returned to the customer.
Example: Partial Refund with a Surcharge
Original payment amount: $100
Surcharge rate: 3%
Original surcharge amount:
3% × $100 = $3.00
Now, if you issue a partial refund:
Refunded amount: $50
Refunded surcharge amount:
3% × $50 = $1.50
Final Refund Total: The customer receives:
$50.00 (partial refund amount)
$1.50 (refunded surcharge)
Total refund issued: $51.50