Real-Time Authorization Interchange Surcharge

A computer system for receiving an issuer's authorization for a purchase, wherein a sale amount for the purchase includes at least one interchange fee comprises a computer. The computer is configured to receive an electronic request to authorize a credit card transaction initiated by the merchant for a purchase, the authorization request including a sale amount for the purchase, determine an estimated interchange fee, compute a surcharged sale amount by adding the estimated interchange fee to the sale amount for the purchase, send a revised authorization request to the issuing bank, wherein the revised authorization request specifies the surcharged sale amount in place of the sale amount, receive an authorization response from the issuing bank indicating authorization for the purchase at the surcharged sale amount, and send the authorization response to the merchant.