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updatedAt: 2026-09-29T19:55:09.000Z
agentTools:
projectIndex: https://docs.clover.com/dev/llms.txt
---
# Support for credit card surcharging in Canada
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A credit card surcharge is a percentage of the post-tax order total collected to partially or fully cover the merchant's costs associated with processing credit card payments.
**Credit card surcharge in Canada**
Clover onboards merchants in Canada, excluding Quebec, to add a credit surcharge to eligible credit BIN credit card transactions.
**Flat surcharge**
Canada uses a flat **2.40%** credit card surcharge rate. In the Clover Android SDK, the `program code` value to categorize and track credit card surcharging for businesses in Canada is **5239**.
**Payment response**
Developers may see an amount in the payment response that is greater than the amount in the payment request when both these conditions are true:
* Merchant is onboarded for Canada credit surcharging, and
* Customer makes payment with an eligible credit bank identification number (BIN) credit card.
For instance, for a payment of $100 made to a merchant in Canada and both conditions as `true`, the response amount = $102.40 ($100 + **2.4%**)
For more information, see the [Credit card surcharge](https://docs.clover.com/docs/transaction-data#credit-card-surcharge) section in Transaction data: Charges and fees.