Value-added transactions let you append extra charges—like gratuities or service fees—to a base payment. Use these features to streamline tipping, cover incidentals, or support custom billing scenarios.

Prerequisites

Active merchant account with authorization adjustment or over-capture enabled
PCI DSS Level 1 compliance for all related operations

Limitations

Card network limits on over-capture amounts (typically up to 15–20% above auth)

Compliance / Regulation Mandates

PCI DSS Level 1

All card data handling—authorization, capture, routing, and tokenization—must comply with PCI DSS Level 1 standards to secure cardholder information.

PSD2 Strong Customer Authentication

Two-factor authentication under PSD2 is required for EU card payments initiated by customers.

AML & KYC

Implement risk-based anti-money laundering controls and customer due diligence for card transactions, especially high-value or cross-border.

GDPR Data Protection

Ensure personal and payment data processed in card workflows adheres to GDPR principles, including minimization, consent, and secure handling.

Tips

Enable customers to add a gratuity or service fee alongside their payment.

Implementation Options

Authorization Adjustment: After initial auth, send an adjust-transaction request to increase the authorized amount by the tip value before capture.
Over-Capture: When capturing, specify an amount higher than the original auth (within scheme limits) to include tip in a single capture call.