Default payment methods
Every new shop starts with these seven methods:| Method | Where it works | What it does |
|---|---|---|
| Cash | POS only | Physical cash. Supports change calculation and denomination counting at End of Day. |
| Card | POS + online | Card payments via a connected terminal (POS) or Stripe checkout (online). |
| Pay on Fulfilment | Orders only | Marks the order as “pay later” — no money is collected upfront. Useful for phone orders where the customer pays on delivery or collection. |
| Bank Transfer | Orders only | Records that the customer has paid by bank transfer. You still need to verify the transfer in your bank — this just marks the order as paid in the system. |
| Cheque | Orders only | Records a cheque payment. Like bank transfer, you verify it separately. |
| Account | POS + orders | Charges the sale to a customer’s credit account for later invoicing. Only available for customers with a credit account. |
| Gift Card | POS + orders | Deducts from a gift card balance. Requires the customer’s gift card code and PIN. |
Loyalty isn’t a payment method — it’s a discount. When a customer redeems loyalty points or a punchcard reward, the redemption reduces the order total before payment. The remaining balance is then paid with one of the methods above. See Loyalty for details.
Payment method settings
Each payment method has settings that control where it appears and how it behaves. Here’s what each one means:| Setting | What it controls |
|---|---|
| POS Enabled | Whether this method appears as an option at the till. Turn this off for methods that only apply to dashboard orders (like Bank Transfer). |
| Allows Change | Whether the customer can hand over more than the total and get change back. Only makes sense for cash — you wouldn’t give change on a card payment. |
| Is Cash | Marks this as a physical cash method. This affects denomination counting at opening and closing, and how the method appears in your End of Day variance grid. |
| Bankable | Whether this method’s takings can be deposited at the bank. Cash and card are bankable. Account payments aren’t — they’re settled later via invoicing. |
| Visible in Cash-up | Whether this method appears in your End of Day cash-up screen. If turned off, payments via this method still appear in reports but aren’t part of your daily reconciliation. |
| API Method | Whether this method connects to an external payment provider (like Stripe for gift cards or payment links). Most custom methods won’t need this. |
| Unpaid | Whether this is a “pay later” placeholder. When a payment is recorded with an unpaid method, the order shows as paid in the system but no money has actually been collected yet. |
| Account | Whether this is an account/credit method. Only customers with a credit account can use it, and it’s blocked if the order has already been invoiced. |
| Gift Card | Whether this method is a gift card. Enables the code and PIN lookup flow during payment. |
Adding a custom payment method
If you need a method that isn’t covered by the defaults — like a specific corporate payment scheme or a local voucher system — you can create one.Find Payment Methods
Scroll to the Payment Methods section. You’ll see all your current methods listed.
Assigning methods to devices
Each POS device can have its own set of accepted payment methods. For example, your main till might accept cash and card, while a self-service kiosk only accepts card. Payment methods are assigned to devices in Settings > Advanced > Devices. When you assign a method to a device, the system automatically enables the POS Enabled flag for that method. See Devices for the full guide on managing your POS devices.Common questions
Can I delete a default payment method?
Can I delete a default payment method?
Yes, but be careful. Deleting a payment method removes it from all devices and it won’t be available for future payments. Existing transactions that used the method are not affected — they keep their historical record.
Can I rename a payment method?
Can I rename a payment method?
Yes. Go to Settings > Advanced > Payment Methods, click the method, and change the name. The new name appears everywhere going forward.
Why can't I see a payment method at the POS?
Why can't I see a payment method at the POS?
Check two things: first, that POS Enabled is turned on for the method. Second, that the method is assigned to your device in Settings > Advanced > Devices.
Do custom methods appear in reports?
Do custom methods appear in reports?
Yes. Custom methods work exactly like the defaults — they appear in your End of Day report, financial exports, and transaction history.
What's the difference between Unpaid and Account?
What's the difference between Unpaid and Account?
Unpaid methods (like Pay on Fulfilment) are generic placeholders — any customer can use them. Account methods charge the sale to a specific customer’s credit account for invoicing. Account requires the customer to have a credit account on their profile.
What’s next?
Taking Payments
How each payment method works in practice.
Transactions Overview
How transactions and payment statuses work.
Devices
Assign payment methods to your POS devices.
Gift Cards
Set up and manage gift cards.