Private preview
Collect surcharges Private preview
Offset your card processing costs in the form of surcharges.
Private preview
This feature is in private preview. Request access to automatic surcharge.
Automatic surcharge adds a surcharge to your Checkout payments based on your customer’s card details, including card brand, funding type, and issuing country. Surcharging laws vary by jurisdiction. Stripe enables the ability to seamlessly use a third-party surcharging provider to compliantly calculate the surcharge amount.
Compliance requirements
If you impose a surcharge on your customers, you must comply with all applicable laws and card network rules. Surcharging requirements vary across regions and card types. Some jurisdictions prohibit surcharging entirely. Where surcharging is permissible, you must accurately calculate the surcharge so it doesn’t exceed surcharge limits imposed by relevant card networks, or your cost of payment acceptance.
Depending on the network, card network requirements might include obligations to:
- Accurately calculate surcharge amounts.
- Notify your acquirer or card network of your intent to apply a surcharge, if required by your jurisdiction or the card network.
- Surcharge consistently across card networks or card products.
- Conspicuously disclose details of your surcharging or total costs (including any applied surcharge) to the cardholder ahead of purchase, and reflect the surcharge separately on the transaction receipt.
- After surcharge disclosure, provide the ability to cancel the transaction, or choose a different payment method, before confirmation.
Warning
You’re fully responsible for any fines, penalties, or losses arising in connection with your failure to adhere to applicable surcharging requirements.
The information provided on this page relating to your compliance with these requirements is for your general guidance, and isn’t legal, tax, accounting, or other professional advice. Consult a professional if you’re unsure about your obligations.
Install a surcharge provider app
Before you can use automatic surcharge, install a surcharge provider’s Stripe App from the Dashboard App Marketplace and complete the onboarding process. Stripe supports Yeeld and InterPayments to provide surcharges.
Warning
You’re responsible for verifying your provider is calculating surcharges in compliance with applicable laws and card network rules in each jurisdiction where you operate.
Create a Checkout Session
API version
This feature requires a preview API version. Set the Stripe-Version header to a preview API version when initializing your Stripe client.
Automatic surcharge is available in payment mode only. It also isn’t compatible with Adaptive Pricing.
Set automatic_surcharge[enabled] to true when creating a Checkout Session, along with an automatic_surcharge[calculation_basis].
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Calculation basis
The automatic_surcharge[calculation_basis] determines which amount is used as the basis for calculating the surcharge.
| Value | Description | Use when |
|---|---|---|
total_before_tax | Calculates the surcharge on the subtotal before taxes. For example, a 3% surcharge on a 100 USD order with 10 USD tax = 3.00 USD surcharge. | Regulations or business policy require surcharging only on the pre-tax amount. |
total_after_tax | Calculates the surcharge on the total after taxes. For example, a 3% surcharge on a 100 USD order with 10 USD tax = 3.30 USD surcharge (calculated on 110 USD). | You want the surcharge to cover payment processing costs on the full charged amount. |
Tax compatibility
Automatic surcharge is compatible with Stripe Tax using automatic tax, which you can configure in the Dashboard. To override this, use automatic_surcharge[tax_behavior] to manually control whether the surcharge is calculated inclusive or exclusive of tax. Manual tax rates aren’t supported.
Optional Check the response
Private preview
During this private preview, automatic surcharge is only supported in the United States. Supported payment methods are cards and Apple Pay. Transactions with a non-supported payment method don’t have any applicable surcharge.