Payment Methods
Payment Methods
Spectre POS supports two payment methods at the cashier: Cash and Card. Both are turned off by default so a new shop doesn't accidentally take a payment with the wrong configuration. This page walks you through enabling them. For accepting real card charges through Stripe, see Connecting Stripe.
Open the settings
In the WordPress admin sidebar, go to SpectrePOS → Settings → Payment Gateways.
You'll see a list of available payment methods. For each one you can:
- Enable or disable it.
- Configure method-specific options.
Enable Cash
Cash is the simplest method. When you turn it on, your cashiers see a Cash option in the checkout modal. At checkout the cashier enters how much money the customer handed over (Amount Tendered), and the screen calculates the Change to give back. Partial payments are supported — see Taking Payment in the Operator Guide.
To enable:
- Find Cash in the Payment Gateways list.
- Tick Enable.
- Save changes.
There is no extra configuration required.
Enable Card
The Card method covers card payments. Where it routes the charge depends on whether you have Stripe connected:
- With Stripe connected — card payments are processed live through Stripe (you have to be online), and the funds land in your Stripe balance. Spectre takes a 2% application fee per charge. See Connecting Stripe.
- Without Stripe — card is recorded as a "manual" payment. Use this when you charge the card on a separate terminal and want Spectre to record the sale as paid. The cashier can optionally record a Cashback amount.
To enable:
- Find Card in the Payment Gateways list.
- Tick Enable.
- Save changes.
If you want live Stripe processing, go to SpectrePOS → Apps → Stripe and follow Connecting Stripe.
Spectre's 2% application fee
When a card payment runs through Stripe Connect, Spectre takes a small percentage fee from each charge as the platform fee. The current rate is 2%. Stripe's standard processing fees are separate and billed by Stripe.
Tips
- If your cashiers don't see Cash or Card at checkout, double-check that you ticked Enable here and saved.
- If Cash is enabled but Card isn't, that's a valid configuration — useful for kiosks that don't process cards directly.
- To stop taking card payments temporarily (for example while you reconcile Stripe), disable Card here. You don't need to disconnect Stripe.