Auto surcharge eligibility & calculation

szaheer — Wed, 11 Nov 2026 19:23:13 GMT

The Authorize.Net's official API documentation confirms that its surcharge field is currently supported for "TSYS merchants" only. However, the field records a surcharge amount; it does not prove that Authorize.NET or TSYS automatically calculates that amount.

The merchant must supply the surcharge amount in addition to the actual transaction base amount. This is only possible if there is an identifier indicating that the card being processed is Credit / Debit Card and there is NO API endpoint that can provide us with such (BIN/IIN) Information about the card.

Reference: https://developer.authorize.net/api/reference/index.html#payment-transactions-charge-a-credit-card

1. Does the Authorize.Net + TSYS eCommerce integration provide a reliable credit/debit/prepaid funding-type indicator before authorization?

2. Is there any processor-managed surcharge feature offered by Authorize.NET that automatically determines eligibility and adds the surcharge?

3. How would you recommend the implementation when we need the customer to approve the final amount + surcharge amount before payment is authorized.?

topic Auto surcharge eligibility & calculation in Integration and Testing

Auto surcharge eligibility & calculation