Implement Payment Surcharge System

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Tasks

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Research surcharge regulations by state
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Design surcharge calculation engine
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Implement surcharge display in checkout flow
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Add surcharge to invoicing and receipts
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Legal compliance review

Overview

Implement a configurable payment surcharge system that applies credit card processing fees to customer transactions where legally permitted, with proper disclosure and state-level compliance.

Business Value

Revenue Recovery: Offset credit card processing fees (2-3% per transaction)
Compliance: State-level rules engine ensures legal compliance
Transparency: Clear surcharge disclosure in checkout flow

Technical Approach

Build a rules engine that determines surcharge applicability based on customer state, payment method, and transaction type. Display surcharges clearly in the checkout flow before payment confirmation. Ensure proper line-item representation on invoices and receipts.

Risks

Surcharge laws vary by state and change frequently
Customer perception and potential pushback
Must be clearly disclosed before payment is processed (legal requirement)