# Foreign exchange mark-up

Whenever a customer makes a card transaction in a non-Euro currency, you must
notify them of the difference between the VISA/MasterCard exchange rate and the
European Central Bank (ECB) reference rate as a percentage markup for the
transaction.

You will receive all of the required data points to inform your customers about
the foreign exchange markup in the payload of the [CARD_AUTHORIZATION webhook
event](/api-reference/onboarding/webhooks/#tag/Webhook-events/paths/card_authorization/post). The `meta_info` object in the
payload contains the following key properties:

- `fx_rate`: The current exchange rate.
- `fx_markup`: The difference in the exchange rate between VISA/MasterCard and
the ECB.
- `issuer_fee`: The foreign exchange fee charged by the card issuer.
- `original_amount`: An object containing information about the original amount
of the transaction, including the currency.


Here is an example of how to formulate the FX markup rate notification to the
customer:

> You spent 26 CHF (23,70 EUR) at {{name of merchant}} on your VISA card ending in 8765. The foreign exchange mark-up for this transaction is 0.3% over the European Central Bank rate.


[Click here to read more about the cards metadata object.](/guides/cards/creation-and-servicing/#appendix-vii-card-metadata-values)