Adding a Credit Card Payment Type

In this section, we’ll cover instructions for creating credit card payment types with credit card upcharges and without. Credit Card Upcharges are used to recoup credit card fees charged by the payment processor. 

Disable Debit

The EPASS Pay credit card type has a setting called Disable Debit. This setting ensures that customers with combination cards (credit/debit) are paying with a credit card transaction, not debit.

When to Use Disable Debit

If you are applying upcharges to credit card purchases, you don’t want the customer to use a combination card and pay with debit, as the credit card upcharges will still apply and you may get penalized by the customer’s bank. Using the Disable Debit setting ensures that if the customer uses a combination card, EPASS Pay will only process the payment as a credit card and won’t give the customer an option to pay with debit.

When Not to Use Disable Debit

If you don’t use credit card upcharges, then you can turn off Disable Debit. With this setting inactive, a customer that uses a combination card to pay is given a choice to pay by credit or debit (the payment terminal will prompt them to enter a PIN number. If they do, debit is used. If not, credit is used.) The benefit is that your service rep doesn’t have to change Payment Types depending on how the customer wants to use their combination card—they can use the EPASS Pay credit payment type to process both types of transactions.

If you use credit card upcharges, follow the instructions under Creating a Credit Card Payment with Upcharges.

If you don't use credit card upcharges, follow the instructions under Creating a Credit Card Payment Type without Upcharges.  

Creating a Credit Card Payment Type with Upcharges

1. In EPASS, go to Tools > System Maintenance. In the Tables tab, click Payment Type, and then click Open.

2. In the Payment Type window, click Add.

3. Fill in the required fields:

• Code: Enter a unique identifier code for the payment type. This code is used in multiple areas of EPASS to identify the payment type, including on reports.
• Description: Enter a description of this payment type.
• G/L Account: Select the G/L account to link this payment type to.

4. Select the Credit Card checkbox.

5. In the Payment Processing area, select EPASS PAY - Credit from the Type dropdown.

6. Verify that Disable Debit is selected.
7. If you require signature capture with credit card payments, select the Request Signature if Applicable checkbox.

8. Near the bottom of the Payment Type window, select Add Credit Card Up Charge. This will apply a credit card upcharge at the time of payment.

9. Fill in the upcharge Percentage.
10. In the Misc dropdown, select the miscellaneous code that you use for credit card upcharges.
11. (Optional) Select Add a Negative Upcharge for Refunds if your policy is to reverse the credit card upcharge on refunds.
12. Click OK.

Creating a Credit Card Payment Type without Upcharges

1. In EPASS, go to Tools > System Maintenance. In the Tables tab, click Payment Type, and then click Open.

2. In the Payment Type window, click Add.

3. Fill in the required fields:

• Code: Enter a unique identifier code for the payment type. This code is used in multiple areas of EPASS to identify the payment type, including on reports.
• Description: Enter a description of this payment type.
• G/L Account: Select the G/L account to link this payment type to.

4. In the Payment Processing area, select EPASS PAY - Credit from the Type dropdown.

5. Clear the Disable Debit checkbox.
6. If you require signature capture with credit card payments, select the Request Signature if Applicable checkbox.

7.  Click OK.

See Also

• Adding a Debit Card Payment Type
• Adding a Pre-Authorization Payment Type
• Taking a Payment
• Applying a Credit Card Upcharge