Payment Methods

Payment Methods define the ways customers can pay for sessions, orders, and other transactions in HandyCafe. Each method can carry a commission rate and fixed fee, which affect the net revenue reported in your financial summaries.

Creating a Payment Method

To add a new payment method, provide the following details:

• Name -- A descriptive label for the method (e.g., Cash, Credit Card, IBAN, Crypto, Mobile Payment).
• Commission Rate -- The commission rate as a percentage. For example, 1% or 2.5%. This is typically used to account for payment processor fees.
• Fixed Fee per Transaction -- A flat fee charged on every transaction using this method, regardless of the transaction amount. This covers fixed processing costs that some payment providers charge.

How Commissions Work

When a session, order, or wallet top-up is paid using a method that has a commission configured, the commission is calculated as follows:

commission_amount = (amount_charged * commission_rate / 100) + fixed_fee

Example

A payment method is configured with:

• Commission rate: 5%
• Fixed fee: $0.30

A customer pays $10.00 for a session:

• Percentage commission: $10.00 * 5% = $0.50
• Fixed fee: $0.30
• Total commission: $0.80
• Net revenue: $10.00 - $0.80 = $9.20

This calculation ensures that your reports accurately reflect the actual revenue retained after payment processing costs.

Cash Payments

Cash is typically configured with 0% commission and no fixed fee, since there are no processing costs. However, you can assign a commission to cash if your business model requires it (for example, to account for cash handling costs).

Where Payment Methods Appear

Configured payment methods are available throughout the system:

• Session payment dialogs -- When closing a session, the cashier selects a payment method to record how the customer paid.
• Order closing dialogs -- When completing an order, the cashier specifies the payment method used.
• Member wallet top-ups -- When adding balance to a member's wallet, the top-up transaction records which payment method was used.

The selected payment method is stored with each transaction record, enabling accurate financial reporting and reconciliation.

Permissions

Managing payment methods requires the following permissions:

Cashiers without these permissions can still use payment methods during transactions but cannot create, modify, or delete them.