Getting paid on an invoice shouldn't mean juggling a separate card reader or a different app. SalesThumb's Collect Payment dialog is built to be the one-stop shop for it — open any invoice, click Collect Payment, and pick whichever method fits the moment.
The four ways to collect
At the top of the dialog you'll see four big buttons: Pay here, Send link, Charge card, and Record. They're laid out as tappable tiles instead of tab labels, so an operator can see every option at a glance.
On a phone the four buttons sit in a 2×2 grid — two rows of two. On a tablet or a bigger screen they stretch into a single row across. Tap any tile to switch to that method; the panel below updates immediately.
Pay here (QR + card)
This is the fastest option when the customer is standing right in front of you. It shows a QR code plus a short link to the invoice's public pay page. Hand over the tablet or phone, the customer scans it with their own camera, and they pay by card on that page — no keyed entry needed on your end. There's also a Copy link button and an Open button if you'd rather text or display the URL yourself.
Send link (SMS / email)
For a customer who's already left, or who's remote entirely. Toggle on Text message and/or Email, confirm (or edit) the number and address, optionally add a note in the Optional note field, and click Send pay link. This uses the same public pay page as Pay here — the customer just gets to it via text or email instead of a QR scan.
Charge card (keyed-in card)
Use this when the customer reads their card number to you over the phone, or you're charging a card right there in the dashboard without handing over a device. This tab always charges the full invoice balance — there's no amount field to edit here, so it isn't the right tab for a partial payment. Enter the card details in the secure form and submit — once the charge is approved, the dialog closes automatically and the invoice updates to reflect the payment.
Record (cash / check / ACH / financing / other)
This is the tab for anything that didn't happen through SalesThumb's card processing — cash in hand, a check, ACH, financing, or other. Pick the Method from the dropdown, and the Amount field starts pre-filled with the full balance but is fully editable — type in whatever was actually collected. A Pay in full button resets it back to the full balance if you change your mind. There's also a tip section (None / 15% / 18% / 20% / Other, with 100% going to the tech) and a Notes field for a check number or other reference. Click Record payment to save it.
Taking a partial payment
If a customer is only paying part of what's owed, use the Record tab — its Amount field is genuinely editable, so you can type any figure less than the balance. Charge card charges the full invoice balance only — it has no amount field, so a partial payment isn't possible through it today.
Turning on a customer fee (surcharge or cash discount)
By default every SalesThumb invoice is charged at face value — no shop passes a fee to the customer unless an operator turns one on. That's not something you configure from the Collect Payment dialog itself; it lives on its own screen at Settings → Payments, in the Pricing model & customer fees card, which is "Off by default."
That card actually holds two separate settings. The first, Processing pricing model, is how your shop is billed for card acceptance — not something the customer ever sees. You choose between Flat rate ("One blended % + per-tap fee") and Interchange-plus ("Pass-through interchange + fixed markup"), and whichever you click takes effect immediately.
The second, Customer fee mode, is the actual pass-through to customers. A banner on the page shows your shop's state (or "State not set") along with a note on what's legal there, and if your HQ has disabled customer fees network-wide, the whole section becomes read-only. Below the banner are three mode buttons:
- No fee — the default, always selectable.
- Credit surcharge — only selectable when your state legally allows surcharging *and* HQ allows a customer fee at all. When it's blocked, the button is disabled and labeled "Not permitted here."
- Cash discount — only selectable when your state allows a cash-discount model and HQ allows a fee at all.
Choosing Credit surcharge opens a Surcharge % field, adjustable in steps of 0.1%. It's capped automatically to whichever is lower — your state's legal maximum or the card network's ceiling — and the field spells out the exact number, e.g. "Capped at 3.0% (credit cards only; debit and prepaid are automatically exempt)." That debit/prepaid exemption is hardcoded on SalesThumb's side, not something a shop can change.
Either mode also unlocks an Enable customer fee at checkout toggle ("Adds an explicit, disclosed line at the point of charge") — it stays disabled while mode is set to No fee — and a Receipt disclosure (optional override) field, where you can write your own disclosure wording or leave it blank to use SalesThumb's default copy.
Click Save customer fee settings to apply your changes (the button stays disabled if HQ doesn't allow a fee, or while the save is in flight). The card then shows a resolved status right there on the page: "Live: X% credit surcharge" or "Live: cash discount" once every condition is actually met, or "Not currently charging a customer fee" if something's still blocking it — with a checklist underneath marking each condition (state legality, HQ policy, shop enablement) so you can see exactly which one still needs to be satisfied.
The page carries its own disclaimer, worth repeating here: surcharge rules vary by state and card network and this is a compliance aid, not legal advice — confirm your exact disclosure wording with your own counsel before turning it on. SalesThumb's own processing fee is always separate from any customer surcharge you configure.
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