1. How surcharging works
Surcharging lets you pass card processing fees back to your customer, so you keep the full invoice amount.
When your customer enters their card details:
Adfin checks the card type automatically.
If the card can be surcharged, your customer sees the surcharge and the new total before they pay, and is given a confirmation action on whether to go ahead.
The payment total is increased to cover the surcharge.
Once the payment goes through:
You receive the full original payment amount.
The surcharge is collected separately by Adfin.
Your accounting and reconciliation stay simple, because the surcharge never passes through your balance.
A couple of things to know before you switch it on:
Surcharging only applies to card payments. It never applies to direct debit.
When surcharging is on, Apple Pay and Google Pay aren't offered as payment options, as those wallets can't be surcharged.
2. Which card types can be surcharged
Under UK law, only business cards (sometimes called commercial cards) can be surcharged. These are cards issued to a business rather than to an individual.
You don't need to identify or manage card types yourself. Adfin automatically detects whether a card can be surcharged at the point of payment, and only applies it to eligible business cards. Personal cards are never surcharged.
3. How to turn surcharging on
Surcharging is a skill on each of your customer agents.
Go to Customer agents in Adfin.
Open the customer agent you want to update.
Find the Skills section.
Turn on Business card surcharging.
Save the agent.
Surcharging then applies to the customers handled by that agent. Repeat for any other agents you'd like it on. You'll find the skill on agents that take card payments (your On Demand method), not on direct debit only agents.
4. Managing surcharging for individual customers
You can turn surcharging on or off for a single customer, regardless of the agent's default.
Open the customer's record.
Go to their customer agent settings.
Turn Business card surcharging on or off for that customer.
Changes apply immediately to that customer's future payments.