Can we include any other costs relevant to processing credit or EFTPOS transactions to calculate their Surcharge amount?

Along with the fees paid to Suncorp Bank, you may include some additional types of costs if they are directly related to accepting a particular card type.

These are:

• Gateway fees paid to an external payment service provider.
• The cost of fraud prevention services paid to an external provider.
• The cost of insuring against forward delivery risk. This applies to agents (such as travel agents) who pay an external party to insure against the risk that the agent will be liable to a customer for the failure of a principal supplier (such as an airline or hotel) on payments accepted via cards.
• Dial up phone line costs if the sole use is for the EFTPOS facility. If you make voice calls or it connects to any other device within your organisation, this fee can’t be included.

In each case, these costs must be specific to the particular types of cards that you are surcharging, rather than being a cost that applies to all payment methods accepted by you.

They must be costs paid to an external provider and verified by contracts, statements or invoices. A merchant's internal costs can’t be included in a surcharge.