Merchants can specify a percentage surcharge for credit cards and the terminal will automatically apply the surcharge during the transaction. To ensure that reconciliation between the Tyro and the POS is maintained, Tyro will settle the transaction amounts minus the surcharge amounts and deduct the surcharge amounts from the invoice at the end of the month. This means that surcharging can be enabled by a merchant even if the POS has not added support for Tyro surcharging.

Merchants can also choose to have the surcharge amount included as part of their daily settlement however the default is to have the settlement deducted from the invoice.

Surcharges are set by the merchant as a uplift percentage and are applicable for all schemes except UnionPay and EPAL (i.e. EFTPOS) cards. Tyro allows a different surcharge rate to be applied to each of the following card types:

• Visa Credit
• Visa Debit
• MasterCard Credit
• MasterCard Debit
• American Express
• Diners Club

Once configured, the surcharge rates can be seen on the terminal under Menu … Surcharge Rates. Surcharging will automatically be applied to all applicable standalone and integrated transactions.

Merchants must ensure that adequate signage is provided at the Point of Sale detailing the surcharges that the terminal will be applying. It is insufficient to rely solely on the messages shown on the terminal.

Surcharging API

The API for surcharging allows the POS to control when surcharging is applied on a per transaction basis. A pre-requisite is that the terminal is configured to apply surcharging.

Enable surcharging

Please note that if your POS does not have a surcharge feature of its own, you must not implement a toggle button for the integrated surcharging feature, and you should set the { 'enableSurcharge': true | false } flag to always true. If your POS does have a surcharge feature, there must be a toggle button to set the { 'enableSurcharge': true | false } flag to true or false. When the toggle is on, Tyro surcharging must be applied, and POS-side surcharging must not be applied. When the toggle is off, POS-side surcharging must be applied, and Tyro surcharging must not be applied.

Request

To enable surcharging for a transaction, invoke the TTA using the following method. This signals to the terminal to surcharge the transaction.

Example: Enable surcharge

// Purchase for $100.00 ($0 cash out) with surcharge enabled
PurchaseAdditionalData(10000, 0, "{ 'enableSurcharge': true }")

Response

An extra element will be returned in the extra-data element:

[amount in AUD]

<surcharge-amount>3.00</surcharge-amount>

Disable surcharging

Request:

To disable surcharging for a transaction, invoke the TTA using the following method. This signals to the terminal not to surcharge the transaction.

Example: Disable surcharge

// Purchase for $100.00 ($0 cash out) with surcharge disabled
PurchaseAdditionalData(10000, 0, "{ 'enableSurcharge': false }")

Response:

An extra element will be returned in the extra-data element: 0.00

Example

<surcharge-amount>0.00</surcharge-amount>

Not set

If the enableSurcharge parameter is not set (i.e. for existing POSs), the responses will be unchanged. I.e. there will be no additional elements included in the response. As settlement is made net of the surcharge fee, there will be no reconciliation errors between the POS and the merchants bank account.

Note about refunds

Merchants are required to refund the surcharge amount in case of a refund (or in the case of a partial refund the surcharge must be refunded pro rata). In the case where the enableSurcharge parameter is not set, the merchant will have to determine the surcharge applied from the EFTPOS receipt