Can I pass processing fees onto my customer?

Some businesses might want to ask their customer to pay the card processing fees if they choose card as their payment method. Pin Payments includes a number of ways to do this, where a surcharge amount is automatically calculated and applied to the requested amount.

Payment Page

Your secure Payment Page offers a way to collect payment from your customers simply by sharing a link with them.

To pass on the processing fees, choose to enable surcharging when configuring your Payment Page link.

Payment Button

Your Payment Button can also be configured to to pass on processing fees to your customer.

To pass on the processing fees with your Payment Button, choose to enable surcharging when configuring your Payment Button code.

Xero Online Invoicing

When using our Xero Online Invoicing add-on, you can enable the surcharge from the Xero area of your Pin Payments dashboard.


When processing a charge from within your Pin Payments dashboard, select the 'Apply Surcharge' option to pass on the processing fees.

Using the API

If you're integrating against the Charges API and wish to pass on processing fees, this formula can be used to determine the value to pass in the amount parameter, so that you end up with the original sale amount after fees.

(sale amount + fixed fee) / (1 - variable percentage fee)

For example, if the sale amount was $200, with a domestic card being used to pay, and domestic transaction fees are 1.6% + 30c, the formula to calculate the amount would be:

(200 + 0.3) / (1 - 0.0175)

Learn how to check what card type is being used.

Unable to find the answer you need? Contact our team for assistance.
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