If your mobile application is integrated with the CardPointe Mobile SDKs for tokenization, and the CardPointe Gateway API for payments, you will need to update your application to align with the CardPointe Gateway API changes described above.
As described in the Card Brand Requirements above, you must also display in-app disclosure that a credit card surcharge will be applied.
The Merchant Surcharge Program is currently supported on the CardPointe Virtual Terminal and the CardPointe Hosted Payment Page (HPP).
Enhancements to support the Merchant Surcharge Program will be available in future updates of the CardPointe Mobile Application.
The changes to these applications are currently in development; additional information will be available as development completes.
The CardPointe Virtual Terminal has been enhanced with support for the Merchant Surcharge Program. Merchants enrolled in the program will have a credit card surcharge automatically applied to all eligible credit card transactions, including billing plan payments, processed on the Virtual Terminal.
The Virtual Terminal and transaction receipts include an itemized breakdown of the subtotal, credit card surcharge amount, and total amount of the transaction, when the credit card surcharge is applied.
In addition to the requirements described in Important Considerations earlier in this guide, note the following important changes and considerations for surcharging on the Virtual Terminal.
You must notify cardholders that a 3% credit card surcharge will be applied to credit card payments, including payments using a Customer Profile when the payment method is a credit card, and the cardholder's zip code is not a restricted location.
For card-not-present (e-commerce, mail, telephone, and billing plan) credit card transactions, you must enter the cardholder's zip code to ensure that cardholders in restricted territories are not surcharged. You will be unable to process these transactions on the Virtual Terminal without entering the zip code.
Additionally, all Customer Profiles used for billing plans must include a valid zip code. For existing billing plans, ensure that the associated profile includes the cardholder's zip code. Billing plan transactions without a zip code will be declined by the CardPointe Gateway.
If a cardholder's zip code matches a restricted territory, the surcharge will not be applied.
As mentioned above, all billing plan transactions must include a valid zip code in the associated Customer Profile; billing plan transactions without a zip code will be declined by the CardPointe Gateway.
Existing billing plans must be updated to charge the proper amount, per the agreement with the cardholder, unless you obtain the cardholder's agreement to continue the billing plan at the increased cost.
CardPointe Integrated Terminals are currently not supported for use with the Merchant Surcharge Program. If you use a CardPointe Integrated Terminal to accept card-present payments, that option will be disabled on the Virtual Terminal once you are enrolled in the Merchant Surcharge Program.
The ID TECH SREDKey/SREDKey2 is currently not supported for use with the Merchant Surcharge Program.
As an alternative, you can use a supported USB card reader (for example, the ID TECH Augusta, which includes support for EMV payments.
For merchants enrolled in the Merchant Surcharge Program the HPP displays a surcharge disclaimer and itemized Subtotal, Credit Card Surcharge, and Total amounts on the Payment Page and receipt for eligible credit card transactions.
In addition to the requirements described in Important Considerations earlier in this guide, note the following considerations for surcharging on the HPP:
Support for the Merchant Surcharge Program on the CardPointe Mobile apps for Android and iOS is currently in development.
The CardPointe Mobile app is not supported for use with the Merchant Surcharge Program at this time. Merchants enrolled in the program should not attempt to process transactions using the CardPointe Mobile app, because transactions will decline.
Support for the Merchant Surcharge Program on CardPointe Retail Terminals is planned for a future update.