# MerchantInitiatedSurchargePosture

A model the API reference uses in a request or a response. The operation pages link every field typed as this model here.

What a merchant's surcharge configuration does with a merchant-initiated charge: a stored-credential
charge the merchant starts without the cardholder present, such as an unscheduled card-on-file sale,
a recurring or installment charge, a resubmission or a retry. The platform sends no disclosure before
an unscheduled merchant-initiated charge, so a merchant that cannot disclose one itself can choose not
to surcharge any of them while cardholder-initiated sales on the same channel keep the surcharge.

## Values

| Value | Description |
| --- | --- |
| `Surcharge` | Surcharge a merchant-initiated charge like any other charge, subject to every other eligibility rule. The default. |
| `Withhold` | Do not surcharge a merchant-initiated charge. It is recorded as ineligible with MerchantInitiatedExcluded, and the recurring billing channel's disclosures stop promising a surcharge, because every recurring billing charge is merchant-initiated. |

## See also

- [All documentation](https://devportal.signapay-sbx.winkpg.io/llms.txt): the machine-readable index of every public page on this site.