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 overviewAsk
| Feature | What it does | Enable via | Availability |
|---|---|---|---|
| Tipping | Customer adds gratuity before card tap | API (tipConfig) or Dashboard | All terminals |
| Surcharging | Card-type surcharge disclosed before payment | Dashboard only | All terminals — jurisdiction restrictions apply |
| Dynamic Currency Conversion | 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 | Queue transactions when network is unavailable | API (offlineMode) or Dashboard | Nexgo models only |
| 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 featuresAsk
Features can be enabled at three levels of specificity. The most specific level wins.
- Account default — Dashboard → Settings → Payment processing. Applies to all terminals unless overridden.
- Feature profile — Dashboard → Settings → Payment processing → Feature profiles. Assign profiles per terminal or location for different rules at different stores.
- Per-transaction — pass the feature config in the
vinr.terminal.payments.createcall. Overrides both the account default and the profile for that single payment.
Combining featuresAsk
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 availabilityAsk
| Feature | Visa | Mastercard | Amex | Discover | UnionPay |
|---|---|---|---|---|---|
| Tipping | ✓ | ✓ | ✓ | ✓ | ✓ |
| Surcharging | ✓ | ✓ | — | — | — |
| DCC | ✓ | ✓ | — | — | ✓ |
| Cashback | ✓ | ✓ | — | — | — |
| Offline payments | ✓ | ✓ | ✓ | — | — |
| Installments | ✓ | ✓ | ✓ | — | — |
| MOTO | ✓ | ✓ | ✓ | ✓ | — |
Tipping
Configure percentage and fixed tip options at the terminal.
Surcharging
Automatically apply card-type surcharges with scheme-compliant disclosure.
Dynamic Currency Conversion
Offer foreign cardholders the option to pay in their home currency.
Offline payments
Queue authorisations during connectivity loss and sync when back online.
Installments
Let customers split the purchase into equal monthly payments at the terminal.
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