This guide covers:
How surcharging works
Which cards types can be surcharged
How to enable and manage surcharging
1. How surcharging works
Surcharging allows you to pass card processing fees back to your customer.
When a customer enters their card details:
Adfin checks the card type automatically.
If the card is eligible for surcharging, the customer is notified before they pay.
The payment total is increased to include the surcharge.
Once the payment is completed:
You are settled the full original payment amount.
The surcharge amount is collected directly by Adfin.
This keeps your accounting and reconciliation simple, as surcharge fees never pass through your balance.
2. Which card types support surcharging
Under UK law, only certain card types can be surcharged.
These are commercial cards — cards issued to a business rather than an individual.
You do not need to identify or manage card types yourself. Adfin automatically detects whether a card is eligible for surcharging at the point of payment.
3. How to enable and manage surcharging
Turn on surcharging
Go to Payment settings in Adfin.
Enable Surcharging.
Choose whether to apply surcharging to:
All existing customers, or
Only new customers going forward.
Manage surcharging per customer
You can also control surcharging on a customer-by-customer basis:
Open the customer record.
Select Settings from the side drawer.
Turn surcharging on or off for that customer.
Changes apply immediately to future payments.
