[JWait]

This sounds like something that will need to be custom made. I have never heard of anyone doing this. What makes it even more difficult is the "on certain credit card types" part.

It would probably be pretty straight-forward to check if the shipping address is not the same as the billing address and adding the surcharge, but checking what credit card the customer is using would be difficult, and what happens if the customer decides to change the credit card type half way through the process? See what I mean?