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Subject: Feature Request – Automatic Card Type Detection and Dynamic Surcharge Application

I am writing to request a feature enhancement for Xero’s integrated payment services that would allow businesses to automatically detect the type of card a customer uses (e.g., domestic, international, credit, debit) and dynamically apply the appropriate surcharge.
Why this feature is important:
Card processing fees vary significantly depending on the card type and origin. Automatically passing the correct surcharge to the customer ensures transparency and helps businesses recover costs fairly.
Manual calculation or flat surcharges can result in either under-recovering costs or overcharging customers, which is not ideal for either party.
Many payment processors (such as Stripe) provide information about the card type at the time of transaction, so this feature could leverage existing data.
Suggested solution:
Implement a system within Xero’s payment services that automatically identifies the card type used for each transaction.
Allow users to set different surcharge rates for different card types (e.g., domestic debit, domestic credit, international credit).
Ensure the correct surcharge is displayed to the customer at the point of payment, so they are fully informed before completing the transaction.
Benefits:
Ensures fair and accurate cost recovery for businesses.
Improves transparency for customers regarding payment fees.
Reduces manual work and the risk of errors in applying surcharges.
Thank you for considering this request. This feature would greatly enhance the flexibility and fairness of Xero’s payment processing, benefiting both businesses and their customers.