f you want to implement convenience fee handling in your payment gateway or system, you need to answer some fundamental questions.Find out these questions and learn more about handling of convenience fees in payment systems and payment gateways at #UniPayGateway unipaygateway.com

1. Handling of Convenience Fees
If you want to implement convenience fee handling in your payment gateway
(http://unipaygateway.com/en/) or system,you need to answer some fundamental questions. First, you need to
define, whether it will be implemented within your system or within some third-party system. Second, you
need to decide, whether convenience fee will representa part of the original transaction, or it will be processed
as a separate one (under a separate MID).
If you want both primary payment and convenience fee to be processed as a single transaction, you need to
keep in mind that charging of convenience fees is permitted only under certain merchant category codes. If
funding of your merchants is handled by some third party, the third-party system is going to handle
convenience fees as well.
In the second case you need you have to address several important questions of the following types. Will
convenience feesbe chargedfor declined transactions? Will they be chargedif the transaction itself is refunded
back to the client’s account, or voided? How should you act if the funds on the account are not sufficient for
the primary payment, or for convenience fee?
The particular amount of convenience feesis another important aspectof the matter.A convenience fee should
be based on the actual cost oftransaction processing.It can represent either a fixed amount, or a percentage
of the original transaction. Technically you can use unified or blended rate principle, some type tiered pricing,
or develop your own mechanism to calculate convenience fee amounts.
More information on handling of convenience fees in payment systems and payment gateways can be found
in the respective article on Paylosophy (http://paylosophy.com/handling-convenience-fees/).