Overview

Dynamic Surcharging for RMS Pay allows you to apply a variable surcharge to RMS Pay transactions based on the card variants.   

These variants are:

These fees are automatically passed on when a payment is made via:  

• Online Form Payments (E-Comm) - 9+ Credit Card Payments, Rest API, and anywhere that shells out to the Online Form
• Tokens saved in RMS 9+ 
• Terminal Payments (Credit Card Machines / EFTPOS)  

Pre-Setup Checks

Check these items to ensure that you are ready for Dynamic Surcharging

GL Acc Codes

Setup > Accounting > GL Acc Codes 

You will need to create a General Ledger Account Code (GL Acc Code) for the Credit Card Transaction Fees.  

Only one GL Acc Code can be used for the Transaction Fees.  

You do not have to create a new GL Account Code if you have one already. 

Credit Cards

Setup > Accounting > Credit Cards

You will need to ensure that all Credit Card Types that you accept have been created in the Credit Card setup.  

RMS Pay can only be configured for the card types outlined in your RMS Pay Agreement.  

Important note for Terminal payments

When Dynamic Surcharging is enabled, cardholders are currently required to tap or insert their card twice - once to identify the card type and applicable surcharge, and a second time to apply the surcharge and finalize the transaction amount.

This two-step process may negatively affect the customer experience.

To streamline the process, RMS recommends enabling the Single Tap Flow on RMS Pay Terminals. With this feature, cardholders will only need to tap or insert their card once. The surcharge will be applied automatically after the transaction is initiated.

To activate Single Tap Flow, please submit a Ticket including the following information:

• "Please activate Single Tap Flow'".
• Also include the serial numbers of all relevant terminals.

Please allow up to 72 business hours for the update to be completed.

Dynamic Surcharging Setup

Have your System Administrator complete the following in RMS.

Go to:

1. Setup > Accounting > RMS Pay > Dynamic Surcharging
2. Select > “Enable Dynamic Surcharging”  
3. Select > “GL Acc Code” for the Credit Card Transaction Fees.  

Dynamic Surcharging is set up in 2 sections. 

1. E-Commerce Online Payments 

2. EFTPOS Machine Terminal Payments 

    

E-Commerce Online Payments

E-commerce is broken into three sections that allow for different surcharges for each section.  

1. Visa
2. Mastercard
3. Other Cards

This charging structure will apply to all E-Commerce transactions that are performed through the Online Payment Form.  

• Eg, 9+ Credit Card Payments, Rest API and anywhere else that shells out to the Online Payment Form. 

E-Commerce has four levels of fees for Visa and Mastercard, and they are:  

• Card Scheme
• Region
• Funding Source
• Card Level/Variant  

When a card is presented, this surcharge structure flow is used.  

To set a surcharge, for Visa and Mastercard, a flat percentage % surcharge can be applied by adding in a percentage value next to each.  

If a more dynamic surcharge is required, select “Add Level” to expose each level. Each level exposed is in the order of Card Scheme > Region > Funding Source > Card Level/Variant  

Selecting “Add Level” will expose the next level of Dynamic Surcharging.  

The “Other Cards” only have the option of a flat percentage % surcharge.

Note: If a field is left blank, RMS will not charge a Transaction fee for this card configuration. 

For suggested surcharge percentage values, please check your RMS Pay Agreement.  

Credit Card/EFTPOS Terminal Payments

Please Note that the Label of this section will be the label you have created in the Label setup and may look different to what you see here.  

EFTPOS/Credit Card Terminal Payments is broken into three sections that allow for charging a different surcharge for each section.  

• Visa
• Mastercard
• Other Cards  

EFTPOS/Credit Card machines have three levels for fees, and they are: 

• Region  
• Card Scheme
• Funding Source
  • Credit Card/EFTPOS Terminal Payments do not recognise the card variants of Premium and Standard. 

To set a surcharge for Visa, Mastercard, and Others, apply the relevant surcharge percentage % vale in each field.  

Note: If a field is left blank, RMS will not charge a Transaction fee for this card configuration.  

When completed, select “Save”. 

Once saved, the new Dynamic Surcharging fees will become active for E-Commerce Online Payments.  

IMPORTANT ACTION

For RMS Pay Terminals, you will need to update it and then restart it for the new setting to take effect.  

To Update the Configuration:

1. Access Admin & Settings by pressing “9” and then Confirm (green key).
2. Select Config.
3. Enter your passcode and confirm with the green key.
4. Select the Update button.

To Restart the Terminal After Update:

1. Go to Admin & Settings.
2. Select Power.
3. Enter your passcode and confirm with the green key.
4. Select Restart.
5. When prompted with “Restart Application,” select Yes.

How to Use

There are three ways to perform an RMS Pay Receipt. 

1. Online Form Payments (E-Commerce).  
   This includes RMS:
   1. 9+ Credit Card Payments
   2. Rest API
   3. And anywhere that shells out to the Online Form  
2. Tokens in RMS 9+   
3. RMS Pay Credit Card Machine/EFTOPS Terminals  

Online Form Payments

When an Online Form is used, the surcharge is automatically added to the Charge.  

With a Domestic Visa Credit Card (as pictured above), a charge of $100 will show the amount to be paid as $103.

The surcharge amount is not displayed separately.  

Tokens

When using an Existing Token in RMS 9+, the surcharge from the E-Commerce Online Payment setup can be added to the Charge.  

The surcharge amount is displayed in the Existing Token Fee line above the Total Charge. 

Credit Card Machine/EFTPOS Terminals

When using a Credit Card/EFTPOS terminal, the fee from the Terminal Payments is used.

The initial Receipt amount is entered into the Terminal 

After the Card is presented to the Terminal, a second screen is displayed showing the Total Charge and Transaction Fee for Confirmation.  

And when this is "Confirmed", the total amount is presented to pay.