POS — charge a customer on your card terminal (Moniepoint)

When the customer wants to pay with a card on your physical terminal (Moniepoint, Opay, Squad), use this flow. The cart pushes the charge to the device; the customer dips or taps their card on the terminal; you wait a few seconds and the system confirms the payment.

This is different from the "Card / Wallet / USSD" QR-code flow — that one is for Paystack and the customer pays from their phone. With this flow, the customer pays at YOUR device.

Before you start

• An admin must have set up your provider credentials at Setup → Gateway Credentials, and registered at least one terminal at Setup → Payment Terminals. If neither is done, you'll see a yellow warning when you try to charge — call your manager.
• The terminal must be powered on and on the same network as the till.
• The Payment Method you'll pick must be one routed to your terminal provider (your admin sets this when configuring the Payment Method — look for "Moniepoint" / "Opay" / "Squad" in its name).

Steps

1. Ring up the sale in POS as normal.
2. Open the Checkout modal.
3. In a tender row, pick the payment method routed to your terminal provider. The Amount column changes to a green "Charge via Moniepoint" button.
4. Click Charge via Moniepoint. A small dialog opens. You'll see the channel locked to "Card on terminal" — there's no QR or virtual account, because the customer is using YOUR device.
5. Pick a terminal. If you only have one registered, it's pre-selected. Otherwise tap the one you want to push the charge to.
6. Click Push to terminal. The customer's screen at the device should immediately show the amount to pay.
7. The customer dips / taps / inserts their card on the terminal and enters PIN.
8. Wait. The dialog polls every 2.5 seconds; once the device responds you'll get a green "Payment received" banner and the tender row locks at the confirmed amount.
9. Close the dialog and Finalize the sale as usual. The system links the charge to the invoice automatically.

Tips

• The dialog stays open while it polls. Don't close it before the customer finishes — closing it doesn't cancel the charge on the device, just hides the spinner. If you close too early and the customer DOES pay, reopen Checkout: the system catches up within ~5 minutes.
• Want a faster default? Ask your admin to bind the terminal to your till at Setup → Payment Terminals. Then the picker is auto-selected and it's one tap.
• The same terminal can be used by multiple tills (leave Bound to Till blank when registering) — handy if a smaller shop shares a single device between counters.

Common problems

• Yellow "No registered terminals" banner → the admin hasn't registered any terminal for this provider yet. Get them to do that under Setup → Payment Terminals before you can charge.
• "Moniepoint required TerminalSerial" → you clicked Push without selecting a terminal. Pick one and try again.
• Device shows nothing → the device may be on a different network, off, or asleep. Wake the device first. If still nothing, the credentials may be wrong; ask your admin to test connection on the Payment Terminals page.
• Payment is taking ages → check the terminal screen — the customer may be still entering PIN, or the receipt is still printing. The system waits up to 5 minutes before auto-cancelling a stuck charge; after that the row turns red and you can retry.
• Charge was approved on the device but the dialog still says Pending → wait up to 30 seconds, then close the dialog and reopen Checkout. The system runs a defensive recheck on every reopen; it'll usually catch up. If it still won't confirm after a minute, mark the tender as Cash + the customer's terminal receipt, and ask your admin to reconcile the next morning.
• Customer's card was declined on the device → the dialog turns red ("Payment failed"). Close it and try a different tender (Cash, different card, etc.).