Automatic Card Type Detection and Dynamic Surcharge Application
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.
Liam Weightman
shared this idea
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Liam Weightman
commented
Subject: Feature Request – Option to Automatically Decline International Card Payments
Dear Xero Product Team,
I am writing to request a feature that would allow businesses to automatically decline international card payments through Xero’s integrated payment services (such as Stripe). Currently, there is no way to restrict card payments to domestic cards only, which presents several challenges for businesses that wish to limit their exposure to international transaction fees, fraud risks, or compliance requirements.
Why this feature is important:
Many small businesses prefer to accept payments only from domestic customers due to higher fees and increased risk associated with international transactions.
Manually monitoring and refunding international payments is time-consuming and inefficient.
Disabling card payments entirely is not a practical solution, as it removes a convenient payment option for local customers.
Suggested solution:
Add a setting within the payment services configuration that allows users to automatically decline or block international card payments.
Alternatively, provide the ability to set rules or filters based on card origin (domestic vs. international) for each payment service.
Benefits:
Reduces administrative burden and potential for error.
Minimizes exposure to unwanted fees and chargebacks.
Improves control over accepted payment types, enhancing business security and compliance.
Thank you for considering this request. I believe this feature would be highly valuable for many Xero users and would enhance the flexibility and security of Xero’s payment processing options.