Retrieve transaction information

Payment responses that the Clover device returns provide detailed transaction data for your application to use and display.

Understand credit card surcharges

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. Some merchants are configured to add a surcharge to eligible credit BIN credit card transactions they process. Surcharges are only applied when the customer pays with an eligible credit BIN credit card; they are not added to debit, cash, or other forms of payment. Surcharge rules are set by the card networks.

Clover onboards merchants for credit card surcharging in the following countries:

• Canada, excluding Quebec
• United States, excluding states with legal restrictions or prohibitions

Canada uses a flat 2.40% credit card surcharge rate, while in the US, the surcharge can vary by merchant, with most US merchants having a surcharge of 3.00%.

Prerequisites

To work with surcharge data, your app must use the following minimum SDK version for your language/platform:

• Remote Pay Android v4
• Remote Pay Cloud v4
• Remote Pay iOS v4
• Remote Pay Windows v4

View surcharge for a transaction

Some merchants are configured to add a surcharge to all credit card transactions they process. This surcharge is a set percentage of the post-tax order total. To display transaction data in your app, you need to use data from different fields.

Request

The surcharge data for a transaction is reported in the PaymentResponse.payment.additionalCharges object, where PaymentResponse is one of the following—SaleResponse, AuthResponse, or PreAuthResponse.

{
  "payment": {
    "id": "2XPG4P9BK0WYP",
    "order": {
      "id": "7SBV9RRMT55AM"
    },
    "tender": {
      "label": "Credit Card",
    },
    "amount": 5457,
    "tipAmount": 0,
    "taxAmount": 357,
    "externalPaymentId": "C80J7Q7YXEME1",
    "cardTransaction": {
      "cardType": "DISCOVER",
      "entryType": "SWIPED",
      "last4": "6668",
      "type": "AUTH",
      "authCode": "590537",
      "referenceId": "024500500420",
      "transactionNo": "000041",
      "state": "CLOSED",
      "extra": {
        "authorizingNetworkName": "DISCOVER",
        "cvmResult": "NO_CVM_REQUIRED"
      },
      "cardholderName": "DEV KIT DISCOVER TESTCARD",
    },
    "additionalCharges": [
      {
        "id": "AGPT72N3N5TDM",
        "amount": 190,
        "rate": 35000,
        "type": "CREDIT_SURCHARGE"
      }
    ]
  }
}

Response

The response includes an additionalCharges object with the following information:

The total amount paid by the customer is the sum of the payment amount and additionalCharges.amount. In the example, the customer is charged $56.47 that is the $54.57 amount plus a 3.5% surcharge of $1.90.

View surcharge for a refund and void

Surcharge can also be used for refunds and voids. The surcharge data for a transaction is reported in the RefundPaymentResponse.refund.additionalCharges or VoidPaymentResponse.payment.additionalCharges object.

Request

{
  "success": true,
  "result": "SUCCESS",
  "reason": "voidSent",
  "message": "No extended information provided.",
  "payment": {
    "id": "SAWVHQD257AN4",
    "order": {
      "id": "N70SW85DW24VY"
    },
    "amount": 10470,
    "tipAmount": 0,
    "taxAmount": 31,
    "result": "SUCCESS",
    "additionalCharges": [
      {
        "id": "AGPT72N3N5TDM",
        "amount": 336,
        "rate": 35000,
        "type": "CREDIT_SURCHARGE"
      }
    ]
  }
}

Response

The response includes an additionalCharges object with the following information:

Surcharge and tips

A customer can add a tip to a payment in two ways:

• On the Clover device—If a customer adds a tip on the device, the tipAmount is added to the payment amount and then the sum is multiplied by the surcharge rate to determine the total charged to the customer's card. For example, if the order amount is $25.00, and the customer adds a 20% tip ($5). If they pay with a credit card, they are charged an additional 3.5% surcharge ($1.05).
  Total amount = (2500 + 500) * 1.035 = 3105

• On a paper receipt—If a customer adds a tip on a paper receipt, the tip is not included when calculating the surcharge.

Surcharge and partial authorizations

If a surcharged credit card payment results in a partial authorization, the entire transaction is declined. The customer needs to use another card or payment method to complete the transaction.

Interac debit card surcharges

The information in this section applies to Remote Pay SDKs version 4 and above. Earlier versions of the SDK provided surcharge data for Interac transactions, but this fee was combined with the order total into a single value as the response amount field. Integrations upgrading from version 3 need a code change to ensure proper handling of the now separate surcharge and transaction amount values for Interac transactions.