# Payment features

> Overview of optional features available on VINR terminals — tipping, surcharging, DCC, offline payments, and more.

VINR terminals support a set of optional payment features beyond the basic card-present flow. Every feature is disabled by default and must be enabled either at account level in the Dashboard or per-transaction via the API.

## Feature overview

| Feature                                                       | What it does                                          | Enable via                       | Availability                                    |
| ------------------------------------------------------------- | ----------------------------------------------------- | -------------------------------- | ----------------------------------------------- |
| [Tipping](/docs/payments/in-person/tipping)                   | Customer adds gratuity before card tap                | API (`tipConfig`) or Dashboard   | All terminals                                   |
| [Surcharging](/docs/payments/in-person/surcharge)             | Card-type surcharge disclosed before payment          | Dashboard only                   | All terminals — jurisdiction restrictions apply |
| [Dynamic Currency Conversion](/docs/payments/in-person/dcc)   | Foreign cardholder pays in home currency              | Dashboard only                   | All terminals — DCC agreement required          |
| Cashback                                                      | Customer receives cash back on a debit transaction    | API (`cashback`)                 | All terminals — debit only                      |
| [Offline payments](/docs/payments/in-person/offline-payments) | Queue transactions when network is unavailable        | API (`offlineMode`) or Dashboard | Nexgo models only                               |
| [Installments](/docs/payments/in-person/installments)         | Customer splits purchase into monthly payments        | API (`installments`)             | All terminals — issuer participation required   |
| MOTO                                                          | Staff key-enters card details for phone/mail orders   | API (`motoPayment: true`)        | All terminals — staff permission required       |
| Manual key entry                                              | Fallback key entry when chip/contactless fail         | Dashboard (role setting)         | All terminals — manager override required       |
| Gift cards                                                    | VINR gift card redemption with automatic split tender | API (`paymentMethodTypes`)       | All terminals — gift card programme required    |

## Enabling features

Features can be enabled at three levels of specificity. The most specific level wins.

1. **Account default** — Dashboard → Settings → Payment processing. Applies to all terminals unless overridden.
2. **Feature profile** — Dashboard → Settings → Payment processing → Feature profiles. Assign profiles per terminal or location for different rules at different stores.
3. **Per-transaction** — pass the feature config in the `vinr.terminal.payments.create` call. Overrides both the account default and the profile for that single payment.

## Combining features

Multiple features can be active on the same transaction:

- **Tipping + surcharging**: the surcharge is applied to the base amount first; the tip prompt shows on the surcharged total.
- **DCC + installments**: if the customer selects DCC, installment plans are displayed in the converted home currency.
- **Cashback + tipping**: cashback is added to the transaction total; tipping is then applied to the base amount only, not to the cashback.
- **MOTO + tipping**: not supported — key-entry flows skip the tip prompt.

## Scheme availability

| Feature          | Visa | Mastercard | Amex | Discover | UnionPay |
| ---------------- | ---- | ---------- | ---- | -------- | -------- |
| Tipping          | ✓    | ✓          | ✓    | ✓        | ✓        |
| Surcharging      | ✓    | ✓          | —    | —        | —        |
| DCC              | ✓    | ✓          | —    | —        | ✓        |
| Cashback         | ✓    | ✓          | —    | —        | —        |
| Offline payments | ✓    | ✓          | ✓    | —        | —        |
| Installments     | ✓    | ✓          | ✓    | —        | —        |
| MOTO             | ✓    | ✓          | ✓    | ✓        | —        |

[Tipping](/docs/payments/in-person/tipping) — Configure percentage and fixed tip options at the terminal.

[Surcharging](/docs/payments/in-person/surcharge) — Automatically apply card-type surcharges with scheme-compliant disclosure.

[Dynamic Currency Conversion](/docs/payments/in-person/dcc) — Offer foreign cardholders the option to pay in their home currency.

[Offline payments](/docs/payments/in-person/offline-payments) — Queue authorisations during connectivity loss and sync when back online.

[Installments](/docs/payments/in-person/installments) — Let customers split the purchase into equal monthly payments at the terminal.