Manage tenders under Store Config → Payment Types: use the built-ins, add your own, set per-tender markup/markdown fees, split a sale across several payments, and enable tip entry after card payments globally and per register.

Every sale ends with a tender — usually one, sometimes several. PHP Point Of Sale ships with the common payment types ready to use, lets admins reshape the list to match how your store actually gets paid, and handles the arithmetic of split payments, change due, surcharges and tips for you.

The built-in payment types

Out of the box the register offers:

• Cash
• Check
• Gift Card — see gift cards
• Debit and Credit
• Store Account — charges the customer balance covered in store accounts and credit; requires a customer on the sale, and only shows when store accounts are enabled
• Points — redeems loyalty balances; appears only with the advanced loyalty program enabled and a customer who has points
• EBT and EBT Cash — appear when Enable EBT Payments is checked
• WIC — appears when Enable WIC is checked
• Integrated Gift Card — appears when the location's Integrated Gift Cards option is on (Datacap processor family)

Two integration wrinkles: with integrated card processing enabled, Debit is hidden unless Show Debit payment option when using integrated credit card processing is checked (and only PHP POS Payments and Dejavoo support it) — customers pick debit on the pad instead. And a sale containing a recurring item accepts only Credit (plus Store Account where enabled), because the charge must repeat automatically.

Every setting under Store Config → Payment Types

Open Store Config → Payment Types (in the left settings menu). It holds:

• Payment Types — the row of built-in buttons (Cash, Check, Gift Card, Debit, Credit). Click a button to cross it out and remove that tender from the register; click again to restore it. Below, the additional payment types box takes a comma-separated list of custom tenders — a delivery app, a local voucher scheme — that appear as their own buttons at the register.
• Markup/Markdown Percentage per payment type — a fee or discount applied to the total when that tender is selected. Positive values add a surcharge (e.g. 3 adds 3% on Credit); negative values give a discount (a cash discount program is -3 on Cash). The register shows the adjusted total live as the cashier switches tenders. Related switches: Markup/markdown fee is used when calculating tax (Store Config → Taxes), a per-location Disable Markup/Markdown option, and Excluded From Markup/Markdown (Store Config → Price Tiers) to exempt chosen price tiers. The label designer has its own Label designer markup/markdown price for printing dual-pricing labels.
• Default Payment Type — the tender pre-selected when the payment panel opens.
• Default Payment Type for Receivings — the same, for supplier receivings.
• Show Debit payment option when using integrated credit card processing — explained above. Off by default.
• Enable EBT Payments — adds EBT and EBT Cash tenders. Off by default.
• Enable WIC — adds the WIC tender. Off by default.
• Prompt for CCV when swiping — swiped cards ask for the security code. Off by default.

Changing payment settings requires access to the Config module, and the Payments report category under Reports — the graphical, summary, by-register and detailed payment reports where tender totals land — is gated by the Reports permission Payments.

Selecting payments at the register

In the Add Payment panel, the tender buttons sit above the amount field; the selected one is highlighted. Each tender fills the amount field differently:

• Cash starts blank (or pre-filled with the rounded total where rounding is on) so you can type what the customer handed you and get change calculated.
• Check, Debit, Credit, EBT Cash pre-fill with the full amount due.
• Gift Card turns the field into a swipe/type field for the gift card number; the customer's known gift cards can also be listed for one-tap selection.
• Store Account pre-fills with the amount due, capped by what the account allows; it needs a customer on the sale.
• Points pre-fills with the points to redeem.
• EBT pre-fills with only the EBT-eligible portion of the cart (items flagged Is EBT item).

Enter or adjust the amount, then click Add Payment. When the tendered amount covers the total, the register skips straight to Complete Sale (turn this shortcut off with Disable sale quick complete in Store Config if you always want an explicit Add Payment step). If you try to complete with payments short of the total, the register warns "Payments do NOT cover total" and asks you to confirm.

Split payments and partial payments

A sale does not have to be paid with one tender. Add a payment for less than the total and the remaining balance stays on screen — each applied payment is listed above the buttons with an x to remove it, and you keep adding tenders until the sale is covered. Half cash and half card, a gift card topped up with a credit card, points plus cash: all the same flow. A gift card that runs out mid-payment keeps its charged amount and the register asks for another tender for the balance; the same happens on a partial card approval.

Partial payments work the same way over time: take what the customer has today and suspend the rest as a layaway, collecting the balance across visits. See suspended sales, layaways and estimates.

Cash handling

• Change due — enter what the customer handed you and the receipt shows Change Due.
• Quick cash dialog — press CTRL+Q at the register for one-tap buttons of common denominations instead of typing. The denominations come from the currency denomination table in Store Config → Currency, so you can match your local bills and coins.
• Round to nearest .05 on receipt (Store Config → Receipt) — for currencies that dropped their smallest coins, cash totals and cash change round to the nearest five cents; card payments stay exact.
• Payment Currency — when exchange rates are configured, a Payment Currency dropdown on the register converts the sale for customers paying in another currency.

How the drawer itself is counted, tracked per tender, and closed out is part of registers and cash management.

Tips

If your store takes tips:

1. Check Enable Tips in Store Config → Sales. The setting itself warns: not all processors support integrated tip processing.
2. On Locations → Registers & Terminals, check Enable Tips on each register that should prompt — so the coffee bar prompts while the retail counter doesn't.
3. Optionally check Tip preset amount of 0% (Store Config → Sales) to make the preset buttons start at 0% (for example 0/15/20 instead of 15/20/25).

Depending on the processor, the customer answers the tip prompt on the terminal during payment, or the tip is added on screen after the charge. The receipt then shows Total w/ Tip. Tips can also be entered or adjusted afterward: the register menu's Enter Tips page (visible only while tips are enabled) lists sales still open for tip adjustment — any sale without a tip yet, plus tipped sales from the last day — with a box to type the amount per sale.

At payout time, the Tips summary report under Reports totals tips collected by employee.

Common questions

How do I add a payment type like "DoorDash"? Store Config → Payment Types → type it into the additional payment types box (comma-separate several) and save. It becomes a button at the register and its totals appear in payment reports.

How do I remove a tender we never take, like Check? On the same screen, click the Check button so it shows crossed out, then save. Cashiers no longer see it.

Can I charge a card surcharge or give a cash discount? Yes — set the Markup/Markdown Percentage on the tender: a positive percent on Credit adds a surcharge, a negative percent on Cash gives a discount. The register recalculates the moment the cashier picks the tender. Check your local card-brand and legal rules before enabling surcharges.

Can a customer pay with two cards? Yes. Add a Credit payment for part of the total, process it, then add a second Credit payment for the remainder.

Why doesn't the Debit button show? You have integrated processing on. Either check Show Debit payment option when using integrated credit card processing (PHP POS Payments and Dejavoo only) or let customers choose debit on the pad — it is recorded as Credit either way.

Where do I fix a tip I forgot to enter? Register menu → Enter Tips. Sales without a tip stay adjustable; tipped sales can be corrected for about a day.

Why is there no tip prompt on my terminal? Three switches must line up: Enable Tips in Store Config → Sales, Enable Tips on that register's row in Registers & Terminals, and a processor that supports tip prompts — not all do.

Do custom payment types work offline? Yes — like Cash and Check, custom tenders are recorded locally and sync when you're back online. See selling offline.