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.