Non Cash Payment Fee
Non Cash Payment Fee Setup will be available in Early Fall 2023
What is a Non Cash Payment Fee?
The Non Cash Payment Fee (also known as Cash Discounting) is a program offered exclusively to our STX Payments customers. Once enabled for the program, the checkout page will offer two totals; a Cash Payment Total and a Non Cash Payment Total that will include the Non Cash Payment Fee. The concept is similar to a gas station, if the client is paying with a cash form then the price is lower than if they pay using a credit card.
If you are interested in getting signed up with STX Payments to use the Non Cash Payment Fee feature, please contact us at 1-800-766-4778.
If you are currently enrolled in our STX Payments Cash Discounting program, we will be reaching out to your business soon to turn off your current Cash Discount setup and enable the new Non Cash Payment feature.
Does the Non Cash Payment Fee apply to all line items and transactions?
The Non Cash Payment Fee does not apply to Service Tax, Product Tax or Tips entered on the Clover Device or the Completed Ticket page. The Non Cash Payment Fee is applied to all other line items such as services, products, memberships, package sales, gift sales, misc, tips added before payment, etc.
The Non Cash Payment Fee is applied to all transaction types:
- In Store Tickets (Browser or Worker App)
- In Store, Auto-Bill and Online Membership Transactions
- In Store and Online Package Sales
- Online Gift Sales
- Online Service Deposits
- Online Class Registrations
How do In Store Transactions work?
- First, add all items to the ticket
- On the ticket, two totals will display:
- Cash Payment Total (the amount due when paying with Cash, Check, No Sale, Gifts, Packages, Account Balances, etc)
- Non-Cash Payment Total (the amount due when paying with Clover Credit Card, Clover Manual or Token on File)
- Select the Payment Type or click Charge
- The Amount Due will update depending on the Payment Type chosen
- Once the ticket is paid, the Non Cash Payment Fee appears as a line item in the Other summary on the Completed Ticket
How do I know which amount to tell the customer?
Great Question! There are two suggestions when it comes to the client interaction to determine the amount:
Option 1) Share the total is the Non Cash Payment Amount, when they offer a cash form of payment then let them know they get a discount for paying with a cash payment.Option 2) Simply say "How were you planning to pay today?", similar to when someone is redirecting credit card only checkout traffic at the store for self checkout. Then depending on their response, share the total amount. Also, sometimes you get lucky and they are holding cash or card.
How do Online or Membership Non Cash Payment Transactions work?
When a new membership or online transaction is ready for payment, the amount for the gift, deposit, package or membership will display, then the non cash payment fee and a total for both. The membership receipt will include the Non Cash Payment Fee as a line item on the Membership Receipt. See below for examples.
How do Non Cash Payment Fee refunds work?
When refunding a ticket with a Non Cash Payment option the Select All button will not include the Non Cash Payment Fee by default. The purpose of the Non Cash Payment Fee is to accommodate for the cost of charge cards, traditionally that amount is not refunded. If you manually enable the checkbox to refund the Non Cash Payment Fee amount, it will refund that amount too.
How would a split payment work with the Non Cash Payment Fee?
First, apply any cash or gift payments. Then the Non Cash Payment amount will update depending on the Amount Due. See How do I use split payments? article for more information on splitting payments.
How do I enable the Non Cash Payment Fee?
The Non Cash Payment Fee is not a setting available for businesses to enable themselves. First, the STX Payments Team would note that your account is enrolled in the Non Cash Payment / Cash Discounting program, then send it over to our data administrators to enable the feature on your account.
Contact STX Payments at 1-800-766-4778 to learn more and get enrolled in the Non Cash Payment feature.
How do I know if the Non Cash Payment Fee is setup?
The Non Cash Payment Fee percentage is noted in the Setup > Setup POS & POS Devices area of the software.
How do I disable, remove or change the Non Cash Payment Fee?
The Non Cash Payment Fee is not an editable setting and does not offer a setting to disable it on an individual ticket.
Interested in having tips covered for card processing too? Check out Tippy, a tipping solution integrated with Inspire by STX Software at https://www.meettippy.com/stx-meet-tippy/Related Articles
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