Credit card fees surcharge on direct booking

Karen H
Nov 13, 2025 5:37 PM
Joined May, 2025 5 posts

Hello, I'm trying to find where to add the credit card surcharge for my direct booking website. Is there a place we can add that? If a guests books direct, I would like a 4% fee added to cover the credit card fee. 

 

Katie W
Nov 14, 2025 11:09 AM
OR Team Member Joined Jul, 2023 48 posts

Hi Karen!

If you'd like to add a credit card surcharge for your guests who book on your website, you can create a new surcharge for this by going to Settings > Surcharges > click Create Surcharge > select Rate Adjustment under Standard Fees. From there, you can select the category, description, and amount. More on how to set this up here: https://www.ownerrez.com/support/articles/surcharges-common-issues-questions#credit-card-fee

If you only want this to apply to bookings from your website, you can do this by adding a condition to the surcharge. Select Listing Site is One of, and then select your listing site from the drop-down. 

Alece
Nov 14, 2025 1:07 PM
Joined Jan, 2020 301 posts

Make note that adding it this way will only apply the percentage to Rent and not your additional surcharges (pet fee, cleaning fee, etc.). There is a feature request out there for a new-style surcharge that will apply to rent + surcharges:

https://www.ownerrez.com/forums/requests/allow-a-new-style-surcharge-that-can-apply-a-to-rentsurcharges-for-cc-processing-fees

Karen H
Nov 14, 2025 5:30 PM
Joined May, 2025 5 posts

Ok so that was my next question...Stripe charges me on the total. Is there not a way to add it to the total amount and not just the subtotal? Or is there some kind of work around? Could you charge the guest separately for the cc fee after they book? May not be worth it on smaller bookings, but larger bookings start to add up.

 

 

Katie W
Nov 25, 2025 11:56 AM
OR Team Member Joined Jul, 2023 48 posts

Hi Karen!

A possible workaround that could work for direct bookings to calculate the surcharge on the entire amount,  including taxes, would be to create a custom surcharge instead of a Rate Adjustment. You can do this by going to Settings > Surcharges > click Create Surcharge > select Custom Surcharge under Advanced Surcharges. On the following page, you can configure the category, description, amount, etc. However, there should also be an optoin to place it below the tax lines. This should make it so that the amount is calculated on the entire amount: 

 

When configuring this, make sure to set the amount type to Percent of Subtotal, and to set it to NOT be taxed as well, since it would be placed below the tax lines:



Please note that this would only work for direct bookings, as OTAs like Vrbo won't honor this setting and will still apply the surcharge above the tax lines. You can create a separate custom surcharge for other OTAs like Vrbo, and increase the amount by the tax percentage. So, for example, if the processing fee is 3% and your taxes are 12%, you could set the processing fee to 3.36% (3*12%). Additionally, the custom surcharge would give you the percent of subtotal option to calculate on the other booking charges, and not just the rent.

If you decide to create separate custom surcharges, one for direct bookings and one for other listing sites, make sure to add a listing site condition to each one so the system knows which one should apply to each booking.

If you'd like us to look at your account specifically, please reach out to help@ownerrez.com