Apply Credit Card Surcharges on Receipts

We have business case wherein we need to apply additional surcharge of x% on any invoice paid using credit cards. This surcharge needs to be applied at the time of cash application.

Is there any oracle out of the box functionality to do this?

For example:

Invoice Amount : $1000

Customer pays $1000 amount using credit card

We apply cash against the invoice and at this time we need to add additional amount as surcharge like say 5% to the invoice amount

So the receipt amount will be $1050

and we will write off the $50.

We tried form personalization, but it will be risky as we have many navigations and scenarios.