Buyer Charges

For eligible merchants and card brands, Finix enables merchants to charge their customer's convenience fees, service fees, or rental fees (under the Visa Rent Program) for card transactions.

These fees, referred to as Buyer Charges, may be used to help offset the costs of processing payments. Merchants can only pass one additional charge per transaction (e.g., merchants can’t pass a convenience fee and a rental charge in a single transaction).

If you'd like to take advantage of Buyer Charges for your merchants, it is your responsibility to ensure compliance with card brand rules and applicable legal requirements. If you have any questions, please consult with your legal counsel.

Overview

Buyer Charges that you can include when creating a Transfer or Authorization include:

  • Convenience Fee : A convenience fee, is a charge passed to the customers when the merchant is providing a method of payment (usually internet or over the phone) different from its standard payment channel (historically mail or in-person). Include the convenience fee in convenience_amount when creating a Transfer or an Authorization .

    • Service Fee : (passed as convenience_fee_amount ) This convenience fee is only available for specific MCCs under education and government. Include the service fee in convenience_amount .

  • Rent Surcharge : Visa offers the Visa Rent Payment Program, which allows qualifying property owners to collect a fee from cardholders who make rent payments with their credit or debit card. Include the rent surcharge in rent_surcharge_amount when creating a Transfer or an Authorization .

For example, let’s say you want to create a Transfer or Authorization with:

  • A purchase price of $100
  • A $3 convenience fee

You would include the following values when creating a Transfer:

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curl https://finix.sandbox-payments-api.com/transfers \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
    {
        "additional_buyer_charges": {
            "convenience_amount": 300
        },
        "amount": 10300,
        "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "tags": {
            "test": "sale"
        }
    }'

In the above example the amount would be $103; the purchase price plus the convenience fee.

To process a Buyer Charge, you must include it in the amount.

Similarly, if you want to create a Transfer or Authorization with:

  • A rent payment that's $50
  • A $2 rent surcharge

You would include the following values when creating an Authorization:

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curl https://finix.sandbox-payments-api.com/authorizations \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  USsRhsHYZGBPnQw8CByJyEQW:8a14c2f9-d94b-4c72-8f5c-a62908e5b30e \
    -d '
    {
        "additional_buyer_charges": {
            "rent_surcharge_amount": 200
        },
        "amount": 5200,
        "currency": "USD",
        "merchant": "MUeDVrf2ahuKc9Eg5TeZugvs",
        "source": "PIe2YvpcjvoVJ6PzoRPBK137",
        "tags": {
            "test": "sale"
        }
    }'

In the above example the amount would be $52; the rent payment plus the rent surcharge.

If Buyer Charges exceed the total amount, the transaction will fail. If you have any questions, please reach out to your Finix point of contact.

Update Merchant to Enable Buyer Charges

attention

The APIs to update Merchant flags are only available for Finix Core customers. If you have additional questions, please reach out to your Finix point of contact.

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curl https://finix.sandbox-payments-api.com/merchants/MUeDVrf2ahuKc9Eg5TeZugvs \
    -H "Content-Type: application/vnd.json+api" \
    -H 'Finix-Version:2022-02-01' \
    -u  UStxEci4vXxGDWLQhNvao7YY:25038781-2369-4113-8187-34780e91052e \
    -X PUT \
    -d '
	{
	    "convenience_charges_enabled": true,
        "rent_surcharges_enabled": true
	}'

HTTP Request

PUT https://finix.sandbox-payments-api.com/merchants/:MERCHANT_ID:

Request Arguments

Field Type Description
convenience_charges_enabled string, optional Set to true if you want to enable a Merchant to accept convenience fees and/or service fees.
rent_surcharges_enabled string, optional Set to true if you want to enable a Merchant to accept rent charges.

Additional Buyer Charges Request Arguments

Field Type Description
convenience_amount string, optional Include the convenience fee the merchant is charging the buyer for the transaction when creating a Transfer or an Authorization.
rent_surcharge_amount string, optional Include the rent surcharge the merchant is charging the buyer for the transaction when creating a Transfer or an Authorization.