In an integrated financial environment, every time the Transfer Instruction Line Items batch process is run, the system searches for all existing instruction line items with outstanding amounts greater than zero. It then determines whether or not surcharge adjustment processing is required for each instruction line item and whether the instruction line item is due for surcharge processing. If these three factors are met, the system applies the surcharge rate to the unprocessed liability amount in order to determine the surcharge amount. An instruction line item is then created for the surcharge adjustment.