🚨 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.

⚠️ Terms & Conditions: You are fully responsible for any fines, penalties, or losses arising in connection with your failure to adhere to applicable surcharging requirements. Please review applicable laws around surcharging in your jurisdiction and card network rules before enabling this feature.

💡 If you need help creating a DaySmart Payments account, please contact Payment Support via chat or paymentsupport@daysmart.com.

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.

Availability

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

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 & Rates

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. Surcharging is supported for Card Present (terminal) and Card Not Present (manually keyed in or card on file) transactions that are processed using DaySmart Payments via Stripe.

⚠️ Only the following devices are compatible for surcharging with DaySmart Payments via Stripe: BBPOS WisePOS E and Stripe Reader S700. If a new terminal needs to be ordered, please click the button below to find out how.

Learn More

Click the arrow to learn the rate and setup surcharging

Rates

Surcharging will charge an additional fee, calculated by a set rate, to a customer on top of the total of the transaction amount. This rate is non-configurable by the merchant. If surcharging is added onto a transaction, you as a merchant will not pay card processing fees and they will be passed onto your customer. Surcharging will increase the card processing fee for an applicable transaction based on the rates indicated in your software, but you will not pay them, your customer will. If surcharging is not applied to a card transaction for some reason, you as the merchant will pay the card processing fee, but it will be based on your normal rates, not the rate used for 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.

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

Terminal

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.

Online Payment

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.

Receipt Record & In-App Record of Surcharge

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

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

❓ Frequently Asked Questions (FAQs)

Find answers to common questions or additional details that may not be covered in the main instructions.

Click the arrow to view frequently asked questions