In Lightspeed Retail, you can configure your payment processing with an integrated payment processor, provided they're supported in your region.

Before you begin, you'll need to have an account with one an integrated payment processor and purchase a supported credit card terminal or card swiper.

Non-integrated processors will not be connected to Retail POS. During a sale, you'll enter an amount on your terminal or card swiper, process the card, and manually record the amount paid by card in Retail POS.

Gathering payment processing credentials

Depending on your payment processor and region, you may need to gather the credentials below and enter them in Retail POS. You can get them from your payment processor account or by contacting your payment processor.

Vantiv triPOS (US)

• Acceptor ID
• Account ID
• Account Token

Cayan (US)

• Name
• Transaction Key
• Site ID

Element Express (US)

• Acceptor ID
• Account Token
• Account ID
• Terminal ID

Mercury Payment Services (US)

• Swiped Entry ID
• Swiped Entry Password
• Manual Entry ID
• Manual Entry Password

Tyro (Australia)

• Username
• Password

BNP (Belgium)

• Merchant ID
• Secret key

Concardis (Switzerland)

• Merchant ID
• Secret key

iZettle (France, Germany, Sweden, Netherlands, UK)

• N/A

Worldline (Netherlands, Belgium, Luxembourg)

• N/A

Integrating your payment processor with Retail POS

The below instructions are a general overview of how to integrate your payment processing. For instructions specific to your payment processor and hardware, refer to your payment processor's documentation and hardware manual.

1. In Retail POS, click Settings > Payment Processing.
2. Click Add a Payment Gateway.
3. From the Gateway dropdown, select your payment processor.
4. If applicable, in the Gateway Credentials and Receipt Details sections, enter the POS credentials from your payment processor.
5. For multi-store accounts, under Select Shops, select all the stores that you want to apply the gateway to.
6. If applicable, under Security Options, enable Allow Credits to enable refunds to credit or debit cards if a customer doesn't have an invoice.

   When you do this type of refund, you must swipe the card for the refund to take effect. Manually entering credit or debit card numbers is not supported.

7. If applicable, under Allow Partial Approvals, enable Allow Partial Approvals to partially approve payments and charge the maximum available amount if your customer's card has insufficient funds to cover the full payment.

8. Under Credit Card Payment Mapping, for each of the credit and debit card types, select how the corresponding card type will appear on invoices and sales reports. For example, if you created a custom Visa payment type, selecting it from the Visa list will mark all Visa sales as "Visa".

   If you want to change the names for cards in Credit Card Payment Mapping, you have to have set up the credit card payment type in Settings > Payment Types, so the Credit/Debit button appears in Retail POS.

9. Click Save.
10. Sign out of Retail POS and sign back in and verify changes have taken effect.

Testing your payment processing

After you configure a payment processor and setup your card reader or terminal, test your integrated credit card processing by charging your credit card a minimal amount and then voiding the charge.

When using certain gateways, removing a payment from an in progress sale will void it and refund the debit or credit card. However, voiding a completed sale will delete the sale and its associated payment from your reporting but won't refund the debit or credit card. To return items to inventory and officially refund your card, refund the sale instead of voiding it.

1. In Retail POS, navigate to Sales > New Sale.
2. Click the Misc menu button to add a miscellaneous charge.
3. Enter 0.05 in the Price field.
4. Clear the Tax checkbox.
5. Click Save.
6. Click Payment > Credit/Debit.
7. Process a credit card at your terminal or card swiper.
8. Click Finish Sale.
9. From the main menu, click Reports > All Transactions.
10. Click the ID number for the 0.05 transaction.
11. Click the Void Sale tab.
12. Click the Void Sale button.
13. Once you've read and understood the warning, click Void Sale.

Viewing your payment details

Viewing the Details section of credit card payments helps to understand how payments were collected. Having this information on hand is also helpful in the event of a credit card dispute. The Details section of credit card payments is designed to include the following:

• Payment Summary: Main information of the completed payment, like Payment Type and Customer.
• Transaction Details: Detailed information of the integrated payment, like Card Type and Cardholder Name.
• Customer Signature: Customer's digital signature that authorized the integrated payment.
• Gateway Response: Integrated payment's communication code to better understand and troubleshoot the response returned from the gateway.

To view the payment Details of a transaction:

1. In Retail POS, navigate to Reports.
2. From the Payments section, click the Received report.
3. From the payment type dropdown, select Credit Card or Debit Card.

   If you created custom payment types for your gateway's Credit Card Payment Mapping, your payment type names may vary.

4. Optionally, enter other search criteria and adjust the available filters to refine your search.
5. Click Search.
6. To open a payment, click the blue ID number.
7. From the left menu, click Details.

Depending on your payment processor, some fields may vary.