Exclude individual products from surcharges
If you want to configure any individual products to be excluded from surcharges, go to Catalog > Manage Products, and within the individual product select Prices.
Exclude from Surcharge (v3.0.10+)
When set to “Yes”, this product will be excluded from all surcharge calculations you have set up, except any fixed cost surcharges which will apply regardless (eg. $5 credit card fee).
No Surcharge On Order (v3.0.10+)
When set to “Yes”, when this product is added to the cart, all surcharges will be removed and no surcharge will apply to the order (not even fixed price surcharges).