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clarification of automatic CC surcharges

We are just starting to ramp up our seasonal Garden center, and during the off-season, I set up the CC surcharges on our wholesale location. First customer this year, and I checked afterwards, and there is no surcharge. Everything a ppears to be set right. Looking at the fine print, I don't see mention of "card on file" payments as being excluded, but I am assuming that is why there is no surcharge.  Is it correct that "card on file" is not part of the automatic CC surcharge?

https://squareup.com/help/us/en/article/8596-set-up-and-manage-card-surcharges

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Definitely unsure of this but just throwing out random questions and a bump, but was the card on file a Debit card or actual CC?  

Dan
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