Integration support: preparing for the end of surcharging

Following surcharging reforms by the Reserve Bank of Australia (RBA), surcharging rules will change from 1 October 2026. To ensure compliance, we will disable surcharging on Worldline Global Online Pay and eGate – MPGS from 21 September 2026.

Each setup is different. If you have an integration you, or your website developer, will need to make changes before the surcharge functionality is disabled. We recommend you engage your website developer early to ensure you can continue processing transactions without interruption.

Worldline Global Online Pay (payment gateway)

Get Surcharge Calculation Service API  

This API will not be required when surcharging is disabled and will return errors if used. You will need to remove this API to continue processing transactions without interruptions. We’ll disable the surcharge functionality from 21 September, and are communicating directly with our customers.

 

Hosted Tokenisation JavaScript Integration  

If using this integration type, you will need to remove the mySurchargeCallback function from the script request before we disable the surcharging functionality. If you do not remove the script, your consumers might see errors and their transactions be declined.  We’ll disable the surcharge functionality from 21 September, and are communicating directly with our customers.

 

function mySurchargeCallback(result) { 
    if (result.surcharge.success) { 
        console.log(result.surcharge.result); 
    }  
    else { 
        console.log(result.surcharge.error) 
    } 
} 

3rd party plugins  

You will need to check your third-party plugin to disable the surcharging functionality in the plugin. You might need to check the plugin documentation or contact the developers. You are responsible for being compliant, so we recommend contacting them early.

 

Hosted Checkout API Integration

If your integration includes a CreateHostedCheckout Payment API request containing the surcharging parameters, you will need to remove these parameters before we disable the surcharging functionality. If you do not remove the parameters, the API requests will be declined, and an error will be returned.  We’ll disable the surcharge functionality from 21 September, and are communicating directly with our customers.

 

"order": {
  "surchargeSpecificInput": {
    "mode": "on-behalf-of"
  }
}

 

Example Experience

 
 Surcharging ActiveSurcharging Deactivated
Request{ 
  "hostedCheckoutSpecificInput": { 
    "locale": "en_AU" 
  }, 
  "order": { 
    "amountOfMoney": { 
      "amount": 100, 
      "currencyCode": "AUD" 
    }, 
    "surchargeSpecificInput": { 
      "mode": "on-behalf-of" 
    } 
  } 
}		{ 
  "hostedCheckoutSpecificInput": { 
    "locale": "en_AU" 
  }, 
  "order": { 
    "amountOfMoney": { 
      "amount": 100, 
      "currencyCode": "AUD" 
    }, 
    "surchargeSpecificInput": { 
      "mode": "on-behalf-of" 
    } 
  } 
}
Response{ 
  "RETURNMAC": "9f999c38-27ef-493a-bab8-6eb4c4015e42", 
  "hostedCheckoutId": "10021427243", 
  "merchantReference": "defc88a69f8140a08ea248e8e6637796", 
  "redirectUrl": "https://payment.preprod.anzworldline-solutions.com.au/hostedcheckout/PaymentMethods/Selection/5c6857c98ebf4c97aa289e7af2e5c535", 
  "partialRedirectUrl": "preprod.anzworldline-solutions.com.au/hostedcheckout/PaymentMethods/Selection/5c6857c98ebf4c97aa289e7af2e5c535" 
}		{ 
  "errorId": "0d522589-7b7c-4fbd-9ba4-13f8c219e0ae", 
  "errors": [ 
    { 
      "errorCode": "50001111", 
      "category": "DIRECT_PLATFORM_ERROR", 
      "code": "1804", 
      "httpStatusCode": 400, 
      "id": "FEATURE_NOT_ALLOWED_FOR_MERCHANT", 
      "message": "The requested method is not allowed for the provided merchant.", 
      "propertyName": "SurchargeSpecificInput", 
      "retriable": false 
    } 
  ] 
}

 

Direct payment APIs  

If your integration is via hosted tokenisation and follow up with server-to-server API calls, including the CreatePayment, SubsequentPayment, and Capture APIs, you will need to remove these parameters before we disable the surcharging functionality. If you do not remove the parameters, the API requests will be declined, and an error will be returned.  We’ll disable the surcharge functionality from 21 September, and are communicating directly with our customers.

OnBehalfOf Surcharge Parameters

 
"order": {
  "surchargeSpecificInput": {
    "mode": "on-behalf-of"
  }
}

On-Behalf-Of Example Experience

 Surcharging ActiveSurcharging Deactivated
Request{
  "cardPaymentMethodSpecificInput": { 
    "card": { 
      "cardholderName": "Wile E. Coyote", 
      "cardNumber": "4450213273993630", 
      "expiryDate": "0530", 
      "cvv": "123" 
    }, 
    "authorizationMode": "FINAL_AUTHORIZATION", 
    "skipAuthentication": true, 
    "transactionChannel": "ECOMMERCE", 
    "returnUrl": "https://explorer.direct.worldline-solutions.com/", 
    "paymentProductId": 1 
  }, 
  "order": { 
    "amountOfMoney": { 
      "amount": 100, 
      "currencyCode": "AUD" 
    }, 
    "surchargeSpecificInput": { 
      "mode": "on-behalf-of" 
      } 
    } 
  } 
}		{ 
  "cardPaymentMethodSpecificInput": { 
    "card": { 
      "cardholderName": "Wile E. Coyote", 
      "cardNumber": "4450213273993630", 
      "expiryDate": "0530", 
      "cvv": "123" 
    }, 
    "authorizationMode": "FINAL_AUTHORIZATION", 
    "skipAuthentication": true, 
    "transactionChannel": "ECOMMERCE", 
    "returnUrl": "https://explorer.direct.worldline-solutions.com/", 
    "paymentProductId": 1 
  }, 
  "order": { 
    "amountOfMoney": { 
      "amount": 100, 
      "currencyCode": "AUD" 
    }, 
    "surchargeSpecificInput": { 
      "mode": "on-behalf-of" 
      } 
    } 
  } 
}
Response{ 
  "creationOutput": {}, 
  "payment": { 
    "paymentOutput": { 
      "amountOfMoney": { 
        "amount": 100, 
        "currencyCode": "AUD" 
      }, 
      "references": { 
        "merchantReference": "2f27ba9f7a4849c886ffbc529efa5e93" 
      }, 
      "acquiredAmount": { 
        "amount": 104, 
        "currencyCode": "AUD" 
      }, 
      "customer": { 
        "device": { 
          "ipAddressCountryCode": "99" 
        } 
      }, 
      "cardPaymentMethodSpecificOutput": { 
        "paymentProductId": 1, 
        "authorisationCode": "842410", 
        "card": { 
          "cardNumber": "************3630", 
          "expiryDate": "0530", 
          "bin": "44502132", 
          "countryCode": "AE", 
          "cardType": "Credit", 
          "cardCorporateIndicator": false, 
          "cardEffectiveDateIndicator": true, 
          "cardEffectiveDate": "2023-04-20", 
          "cardPanType": "dpan", 
          "cardProductCode": "N1", 
          "cardProductName": "Visa Rewards", 
          "cardProductUsageLabel": "credit", 
          "cardScheme": "Visa", 
          "issuerCode": "424984", 
          "issuerRegionCode": "e", 
          "issuingCountryCode": "AE", 
          "panLuhnCheck": true, 
          "panLengthMax": 16, 
          "panLengthMin": 16, 
          "issuerPrincipalMemberCode": "16550" 
        }, 
        "fraudResults": { 
          "fraudServiceResult": "no-advice", 
          "avsResult": "U", 
          "cvvResult": "M" 
        }, 
        "schemeReferenceData": "194078379926", 
        "paymentAccountReference": "QH7739LYEDEFFGOA7RIH6XB6WQBCP", 
        "threeDSecureResults": { 
          "eci": "7", 
          "xid": "MTAwMjE0Mzc2ODc=" 
        }, 
        "acquirerInformation": { 
          "name": "Bambora" 
        }, 
        "acceptance": { 
          "authorizationDate": "2026-05-25T02:29:26Z" 
        } 
      }, 
      "paymentMethod": "card", 
      "surchargeSpecificOutput": { 
        "mode": "on-behalf-of", 
        "surchargeAmount": { 
          "amount": 4, 
          "currencyCode": "AUD" 
        }, 
        "surchargeRate": { 
          "surchargeProductTypeId": "VISA_INTERNATIONAL", 
          "surchargeProductTypeVersion": "09e61f86-d186-42ad-b742-275f2d3471f3", 
          "adValoremRate": 4, 
          "specificRate": 0 
        } 
      }, 
      "transactionDate": "2026-05-25T02:29:25.9525767Z" 
    }, 
    "status": "PENDING_CAPTURE", 
    "statusOutput": { 
      "isCancellable": true, 
      "statusCategory": "PENDING_MERCHANT", 
      "statusCode": 5, 
      "isAuthorized": true, 
      "isRefundable": false 
    }, 
    "id": "9000010021437687000" 
  } 
} 		{ 
  "errorId": "5ac8f1cb-5ae4-4d4d-9c8e-123bee7050df", 
  "errors": [ 
    { 
      "errorCode": "50001111", 
      "category": "DIRECT_PLATFORM_ERROR", 
      "code": "1804", 
      "httpStatusCode": 400, 
      "id": "FEATURE_NOT_ALLOWED_FOR_MERCHANT", 
      "message": "The requested method is not allowed for the provided merchant.", 
      "propertyName": "SurchargeSpecificInput", 
      "retriable": false 
    } 
  ] 
}

Passthrough Surcharge Parameters

 
"order": { 
  "surchargeSpecificInput": { 
    "mode": "pass-through", 
    "surchargeAmount": { 
      "amount": 10, 
      "currencyCode": "AUD" 
    } 
  } 
 

Passthrough Example Experience

 
 Surcharging ActiveSurcharging Deactivated
Request{ 
  "cardPaymentMethodSpecificInput": { 
    "card": { 
      "cardholderName": "Wile E. Coyote", 
      "cardNumber": "4450213273993630", 
      "expiryDate": "0530", 
      "cvv": "123" 
    }, 
    "authorizationMode": "FINAL_AUTHORIZATION", 
    "skipAuthentication": true, 
    "transactionChannel": "ECOMMERCE", 
    "returnUrl": "https://explorer.direct.worldline-solutions.com/", 
    "paymentProductId": 1 
  }, 
  "order": { 
    "surchargeSpecificInput": { 
      "mode": "pass-through", 
      "surchargeAmount": { 
        "amount": 10, 
        "currencyCode": "AUD" 
      } 
    } 
  } 
}		{ 
  "cardPaymentMethodSpecificInput": { 
    "card": { 
      "cardholderName": "Wile E. Coyote", 
      "cardNumber": "4450213273993630", 
      "expiryDate": "0530", 
      "cvv": "123" 
    }, 
    "authorizationMode": "FINAL_AUTHORIZATION", 
    "skipAuthentication": true, 
    "transactionChannel": "ECOMMERCE", 
    "returnUrl": "https://explorer.direct.worldline-solutions.com/", 
    "paymentProductId": 1 
  }, 
  "order": { 
    "amountOfMoney": { 
      "amount": 100, 
      "currencyCode": "AUD" 
    }, 
    "surchargeSpecificInput": { 
      "mode": "pass-through", 
      "surchargeAmount": { 
        "amount": 10, 
        "currencyCode": "AUD" 
      } 
    } 
  } 
}
Response{ 
  "creationOutput": {}, 
  "payment": { 
    "paymentOutput": { 
      "amountOfMoney": { 
        "amount": 100, 
        "currencyCode": "AUD" 
      }, 
      "references": { 
        "merchantReference": "cfcbf03defcd4ec4976fc143d55baa31" 
      }, 
      "acquiredAmount": { 
        "amount": 110, 
        "currencyCode": "AUD" 
      }, 
      "customer": { 
        "device": { 
          "ipAddressCountryCode": "99" 
        } 
      }, 
      "cardPaymentMethodSpecificOutput": { 
        "paymentProductId": 1, 
        "authorisationCode": "145826", 
        "card": { 
          "cardNumber": "************3630", 
          "expiryDate": "0530", 
          "bin": "44502132", 
          "countryCode": "AE", 
          "cardType": "Credit", 
          "cardCorporateIndicator": false, 
          "cardEffectiveDateIndicator": true, 
          "cardEffectiveDate": "2023-04-20", 
          "cardPanType": "dpan", 
          "cardProductCode": "N1", 
          "cardProductName": "Visa Rewards", 
          "cardProductUsageLabel": "credit", 
          "cardScheme": "Visa", 
          "issuerCode": "424984", 
          "issuerRegionCode": "e", 
          "issuingCountryCode": "AE", 
          "panLuhnCheck": true, 
          "panLengthMax": 16, 
          "panLengthMin": 16, 
          "issuerPrincipalMemberCode": "16550" 
        }, 
        "fraudResults": { 
          "fraudServiceResult": "no-advice", 
          "avsResult": "U", 
          "cvvResult": "M" 
        }, 
        "schemeReferenceData": "770272229512", 
        "paymentAccountReference": "QH7739LYEDEFFGOA7RIH6XB6WQBCP", 
        "threeDSecureResults": { 
          "eci": "7", 
          "xid": "MTAwMjE0NDkyNjA=" 
        }, 
        "acquirerInformation": { 
          "name": "Bambora" 
        }, 
        "acceptance": { 
          "authorizationDate": "2026-05-25T02:30:16Z" 
        } 
      }, 
      "paymentMethod": "card", 
      "surchargeSpecificOutput": { 
        "mode": "pass-through", 
        "surchargeAmount": { 
          "amount": 10, 
          "currencyCode": "AUD" 
        } 
      }, 
      "transactionDate": "2026-05-25T02:30:15.7803848Z" 
    }, 
    "status": "PENDING_CAPTURE", 
    "statusOutput": { 
      "isCancellable": true, 
      "statusCategory": "PENDING_MERCHANT", 
      "statusCode": 5, 
      "isAuthorized": true, 
      "isRefundable": false 
    }, 
    "id": "9000010021449260000" 
  } 
}		{ 
  "errorId": "49838d09-7a66-4193-a5af-327f49b3ea30", 
  "errors": [ 
    { 
      "errorCode": "50001111", 
      "category": "DIRECT_PLATFORM_ERROR", 
      "code": "1804", 
      "httpStatusCode": 400, 
      "id": "FEATURE_NOT_ALLOWED_FOR_MERCHANT", 
      "message": "The requested method is not allowed for the provided merchant.", 
      "propertyName": "SurchargeSpecificInput", 
      "retriable": false 
    } 
  ] 
}

eGate - MPGS (payment gateway)

API integration with no specified surcharge amount  

You do not need to adjust anything. As your API call does not specify a surcharge amount, the surcharge calculation template will be ignored and you should not see any errors.

 

API integration with a specified surcharge amount

If you specify the surcharge amount in your API call, you need to remove the order.merchantCharge property and its sub-properties (.type and .amount) from your API calls to be compliant. 

 
“merchantCharge”: { 
“type: “SURCHARGE”, 
“amount”: 1 
}

3rd party plugins

You will need to check your third-party plugin to disable the surcharging functionality in the plugin. You might need to check the plugin documentation or contact the developers. You are responsible for being compliant, so we recommend contacting them early.