Information on Surcharge functionality.
Surcharge functionality offers the capability for you to forward surcharge fees (
MerchantServiceCharge) on business and Non-European (EEU) cards to the cardholder when they are paying via POS.
Where enabled - and in applicable cases - the additional surcharge amount is automatically added, allowing the cardholder to cover your transactional costs (Interchange Fee, Scheme Fee, Viva Wallet Service Fee).
This functionality is only available for merchants in Denmark
Please see below for further information on surcharge functionality in practice, including surcharge calculation, viewing surcharge transactions, 0% acquiring fee calculations, Store And Forward and refunds.
This functionality is not supported for pre-auth transactions
In cases where surcharge functionality applies, we will first check the card eligibility based on the criteria defined. If applicable, we will then calculate and determine the surcharge amount of the transaction, as below:
- The surcharge amount will be always a percentage of the initial sale amount
- The surcharge amount will be always in the same currency (DKK) as the sale amount
- The percentage per-case will be calculated depending on the card type (business/consumer) and the region of the transaction as defined below:
- Domestic Business Card → 2.0% of the sales amount
- EEA Business Card → 2.5% of the sales amount
- Non-EEA Business Card → 3.5% of the sales amount
- Non-EEA Consumer Card → 3.5% of the sales amount
Viewing surcharge transactions
You can view purchases/transactions with surcharge fees applied within your Viva Wallet account (‘Self-Care’).
In the Advanced Search of the Sales → Sales Transactions section, you can filter to include or exclude transactions with surcharge or without surcharge
In the Transaction Details window (Options → Info), a field named Surcharge Amount is available
Surcharge Amount will be also part of the transaction details in the downloaded
.xlsfile when the ‘Export to xls’ option is selected
0% Acquiring Fee Calculations
Visa and MasterCard/Maestro consumer Non-EEA transactions with a surcharge amount are excluded from the 0% Acquiring Fees Calculations
Store And Forward
In case of a network error/connectivity issue during the pre-call API, and when we cannot determine if the transaction is eligible for surcharge, the Store And Forward mechanism will be activated (if eligible). Once connectivity is restored, the transaction will be forwarded and processed with no surcharge amount applied and the pricing will be executed according to existing IRF++policy.
In case of a network error/connectivity issue during pricing calculation for an authorization carrying a surcharge amount, the Store and Forward mechanism will be activated once the connectivity is restored and the actual commission calculated and charged will be zero.
In cases of (partial) refunds performed in non-ECR integrated terminals, the receipt will not include the split per-amount but only the full amount that is refunded (the final surcharge amount sent into clearing will be calculated again based on the actual amount refunded)
As an example:
- Sales Amount: €10 | Surcharge: €2 | Total Amount €12
- Partial Refund: €6
- Transaction Amount: €6
- Surcharge Amount: (Partial Refund Amt/Total Amount) x Initial Surcharge Amount = €1
If enabled and applicable, customers will see the surcharge applied during the payment process, as below.
For transactions without a tip applied:
For transactions with a tip applied:
Surcharge functionality is available for the following terminals & devices, interaction types, transaction types and schemes & card types.
Terminals & devices:
- PAX devices
- Datecs BluePad 1
1 Surcharge functionality is coming soon for Datecs BluePad
- Refunds (Full and Partial)
Schemes & card types:
|Scheme||Supported card types|
|American Express||All types of cards|
To activate surcharge functionality, please get in touch with Viva Wallet via your Sales representative or via the Live Chat option at the bottom-right of this page.
If enabled, you will have no option to customise the surcharge amount or to decide whether the surcharge amount will apply on a per-transaction basis.
The surcharge fee will apply automatically with the predetermined percentage once the criteria are met.
If you would like to integrate with Viva Wallet, or if you have any queries about our products and solutions, please see our Contact & Support page to see how we can help!