> ## Documentation Index > Fetch the complete documentation index at: https://docs.florists.digital/llms.txt > Use this file to discover all available pages before exploring further. # Payment Methods > The default payment methods, what each setting controls, and how to add your own. Payment methods control how customers can pay you. Digital Florists comes with seven methods out of the box, and you can add your own if your shop needs something different. **This page covers features gated by Admin-tier permissions** — typically Settings access. Admins have these by default; your administrator can adjust who has them in [Settings > Team](/settings/team). ## Default payment methods Every new shop starts with these seven methods: | Method | Where it works | What it does | | --------------------- | -------------- | ----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | | **Cash** | POS + orders | Physical cash. Supports change calculation and denomination counting at End of Day. You can also record cash on dashboard orders — when you cash up, count all cash into one till to avoid double-counting. | | **Card** | POS + online | Card payments. At the till, this records a card sale you've taken on your own card terminal. Online (payment links and storefront) uses Stripe for the actual charge. | | **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 on your dashboard. | | **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](/settings/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 on your dashboard but no money has 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. Go to [**Settings** > **Advanced**](/settings/advanced) from your dashboard. Open the **Payments** tab. You'll see all your current methods listed. Click **Add** and give your method a name. Then configure the settings above to match how it should behave — where it appears, whether it's bankable, whether it shows in cash-up, and so on. Changing payment method settings affects your cash-up, refund options, and financial reports. If you're unsure about a setting, leave it at the default and adjust later once you see how it behaves. ## 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**](/settings/advanced). When you assign a method to a device, the **POS Enabled** flag is automatically enabled for that method. See [Devices](/settings/devices) for the full guide on managing your POS devices. ## Common questions 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. Yes. Go to [**Settings** > **Advanced**](/settings/advanced) > **Payments**, click the method, and change the name. The new name appears everywhere going forward. 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**](/settings/advanced). Yes. Custom methods work exactly like the defaults — they appear in your End of Day report, financial exports, and transaction history. **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? Take payments at the till — cash, card, gift cards, and split payments. How transactions and payment statuses work. Assign payment methods to your POS devices. Set up and manage gift cards.