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Hosted Form - Convenience Fees

We are using the hosted forms for payments and want to charge a convenience fee based on what type of payment was made (cc vs echeck).  Since we do not know what type of payment the payee is going to choose I do not see how I can determine the total amount.  My idea was to limit the hosted form to the type of payment (cc or echeck) selected prior to requesting hosted form and hiding the other option.  Problem is I do not know how to determine if the anet gateway has echeck enabled.  Is there a way to determine if echeck is enabled for the gateway?  Or is there another option for charging the fee based on payment type?  Thanks!