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Protocol 3.00 - Surcharge XML

The surcharge XML enables you to apply charges to the transactions that are processed through your website.

All businesses processing online transactions are subject to charges from your merchant bank for each successfully processed transaction.

By using the surcharge XML field with your transactions you are able to absorb the costs of these charges by passing them onto your customers.

How does Surcharge XML work?

By including the Surcharge XML field in your transaction registration post our system will identify all of the surcharges you wish to apply to your transactions and append them to that specific payment.

If you have already added a range of surcharges to your account within MySagePay then the surcharge XML will be applied in their place.

For Opayo FORM or SERVER vendors, once your shopper lands on the Opayo payment pages they will be presented with either the card selection or card details page. 

On this page all of the surcharges you have added to your account will be visible.

For DIRECT vendors the surcharge will be applied on your site prior to the transaction registration post being made to Opayo.

When your shopper selects the card type they are going to use for the transaction the surcharge will then be added onto the value of the transaction.

How much can I add as a surcharge?

When adding a surcharge to your account you have 2 options.

You can either apply a fixed amount for the surcharge – 50p for example, or you can apply a percentage to add as a surcharge – 2.5%.

For the fixed amount our system will add the charge directly onto the amount for the transaction as soon as your shopper has selected the card type they are going to use.

Percentage surcharges will add the percentage of the value of the transaction to the total amount.

If you have a £100.00 transaction with a 2.5% surcharge our system will add £2.50 to the transaction once the shopper has selected their card.

Surcharges can only cover the charges that you pay your merchant bank to process transactions.  You are not able to make a profit on surcharges, they must be used to offset cost only.

What does the surcharge XML field look like?

When passing the transaction registration post through to us you will include the surcharge XML field.

The field will include all of the surcharges you want to apply to your transaction.  If you do not pass a surcharge for a certain card type it will simply not be included or applied to the transaction and appear on your payment pages.

An example of the surcharge xml field is :-









What is the benefit of using a surcharge?

The main benefit of using the surcharge XML is that a surcharge can be used to absorb your transactional charges. 

This will reduce the expenditure your business is exposed to when processing transactions.

How do I start using surcharge XML?

Before you can start using the surcharge XML you will first need to upgrade your protocol version to 3.00.

You will then be able to include the surcharge XML in the transaction registration post that you send through to us.

All information on how to add the surcharge XML to your transaction registration post, and what the field will look like can be found in our protocol and integration guides.