Frequently asked questions about surcharging
GET SURCHARGING: Enable surcharging on your EFTPOS terminal. Call 0800 338 767 (option 3) to talk to Customer Services or contact us here.
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What is surcharging and how does it work?
How much should I surcharge?
Which transactions can I surcharge?
Can I apply a surcharge to a Manual/MOTO transaction?
Can I turn surcharging on and off?
Can I just surcharge contactless transactions?
If I refund the transaction, do I have to include the surcharge?
Do I need to tell my customers about the surcharge?
Is there anything else I need to do?
Can I make changes once the solution is set up?
What is surcharging and how does it work?
If you have surcharging enabled your present card screen will always display a message that says 'Surcharge May Apply'.
When a customer selects the credit option during a purchase transaction or taps a smart device to make a payment, an additional prompt appears notifying them a surcharge is going to be applied*. If the customer accepts the surcharge the transaction proceeds and the terminal will automatically apply the surcharge for you.
*The surcharge prompt can be removed for contactless transactions.
How much should I surcharge?
Which transactions can I surcharge?
Can I apply a surcharge to a Manual/MOTO transaction?
A surcharge can only be applied in instances where all of the following conditions can be met:
- The Cardholder is informed of the fee before completion of the transaction;
- The Cardholder can be informed of the rate, amount or method of calculation of the fee at the time of purchase and;
- The Cardholder has the opportunity to cancel the transaction once the fee has been disclosed.
Can I turn surcharging on and off?
- Set a maximum and minimum purchase $ value
- Set a maximum and minimum surcharge $ amount
- Choose which cards/schemes you surcharge
If I refund the transaction, do I have to include the surcharge?
NOTE: You must not describe the surcharge as applied by a card scheme, by Eftpos New Zealand or by a third-party financial institution.
The Commerce Commission oversees guidelines that govern surcharging in New Zealand, established under the Retail Payment System Act 2022. Learn more about your Merchant Obligations if you choose to apply a surcharge here.
Can I make changes once the solution is set up?
We’ll help you configure your solution to ensure it’s just right for your business when we set it up with you, but if you’d like to make a change once it’s already set up we’ll happily do so over the phone – simply call 0800 EFTPOS.