# Surcharging on Terminals

Add a surcharge to in-person credit card payments to help cover the cost of processing.

## Overview

Finix terminals support surcharging through the device configuration. The `surcharge_basis_points` field sets the surcharge as a percentage of the transaction amount and cannot exceed `300` (3%). For more information, see the [Update Device API](https://finix.com/docs/api/tag/Devices/#tag/Devices/operation/updateDevice).

How the surcharge gets applied depends on your integration:

- **Standalone Terminals:** The Finix Payment App on the terminal calculates the surcharge and adds it to the `Transfer` or `Authorization` automatically. No additional steps are needed on your end.
- **POS API integrations:** Reach out to your Finix point of contact or email [support@finix.com](mailto:support@finix.com) to incorporate surcharging appropriately into your integration.


Requirements
Merchants must be enabled by Finix before processing surcharge fees. Reach out to your Finix point of contact or email [support@finix.com](mailto:support@finix.com) at least 35 days in advance. Card brand rules also apply: surcharges are limited to credit cards, capped at 3%, and must be disclosed to the buyer before payment. For more information, see [Surcharge Fees](/guides/online-payments/payment-features/buyer-charges/card-brand-fees/surcharge-fees).

## Learn More

Surcharge Fees
Review the full card brand requirements and refund rules for surcharge fees.

Configuration Overrides
Adjust terminal behavior per transaction using transaction-level flags.