Collect surchargesPrivate preview

Automatic surcharge adds a surcharge to your Checkout payments based on your customer’s card details, including card brand, funding type, and issuing country. Surcharging laws vary by jurisdiction. Stripe enables you to use a third-party surcharging provider to calculate the surcharge amount.

Compliance requirements

If you impose a surcharge on your customers, you must comply with all applicable laws and card network rules. Surcharging requirements vary across regions and card types. Some jurisdictions prohibit surcharging entirely. Where surcharging is permissible, you must accurately calculate the surcharge so it doesn’t exceed surcharge limits imposed by relevant card networks, or your cost of payment acceptance.

Depending on the network, card network requirements might include obligations to:

• Accurately calculate surcharge amounts.
• Notify your acquirer or the card network of your intent to surcharge.
• Surcharge consistently across card networks or card products.
• Conspicuously disclose details of your surcharging or total costs (including any applied surcharge) to the cardholder ahead of purchase, and reflect the surcharge separately on the transaction receipt.
• After surcharge disclosure, provide the ability to cancel the transaction, or choose a different payment method, before confirmation.

The information provided on this page relating to your compliance with these requirements is for your general guidance, and isn’t legal, tax, accounting, or other professional advice. Consult a professional if you’re unsure about your obligations.

Before you begin

This feature requires a preview API version. Set the Stripe-Version header to a preview API version when initializing your Stripe client.

During this private preview, automatic surcharge has the following limitations:

• It’s only supported in the United States.
• Supported payment methods are cards and Apple Pay. Transactions with a non-supported payment method don’t have any applicable surcharge.
• It’s available in payment mode only.
• It isn’t compatible with Adaptive Pricing.
• Only the Payment Element supports automatic surcharge, the Address Element or Express Checkout Element doesn’t support it.

curl https://api.stripe.com/v1/checkout/sessions \
  -u "sk_test_BQokikJOvBiI2HlWgH4olfQ2:" \
  -H "Stripe-Version: 2026-07-29.preview" \
  -d "line_items[0][price]=
{{PRICE_ID}}" \
  -d "line_items[0][quantity]=1" \
  -d "automatic_surcharge[enabled]=true" \
  -d "automatic_surcharge[calculation_basis]=total_before_tax" \
  -d billing_address_collection=auto \
  -d mode=payment \
  -d ui_mode=elements \
  -d return_url={{RETURN_URL}}

import React from 'react';
import {PaymentElement, useCheckout} from '@stripe/react-stripe-js';

export default function CheckoutForm() {
  const {confirm} = useCheckout();

  const handleSubmit = async (e) => {
    e.preventDefault();
    await confirm({return_url: '{{RETURN_URL}}'});
  };

  return (
    <form onSubmit={handleSubmit}>
      <PaymentElement
        options={{
          fields: {
            billingDetails: 'auto',
          },
        }}
      />
      <button type="submit">Pay</button>
    </form>
  );
}

import React from 'react';
import {useCheckout} from '@stripe/react-stripe-js';

const CheckoutForm = () => {
  const checkoutState = useCheckout();
  if (checkoutState.type === 'loading') {
    return (
      <div>Loading...</div>
    );
  } else if (checkoutState.type === 'error') {
    return (
      <div>Error: {checkoutState.error.message}</div>
    );
  }
  const {checkout} = checkoutState;
  return (
    <div>
      <h2>Checkout Summary</h2>
      <pre>
        {JSON.stringify(checkout.lineItems, null, 2)}
      </pre>
      <h3>Totals</h3>
      <pre>
        Subtotal: {checkout.total.subtotal.amount}
        Surcharge: {checkout.total.surcharge.amount}
        Total: {checkout.total.total.amount}
      </pre>
    </div>
  )
};