This article covers the Methods of Payment you can take in Spektrix. You'll find information on each of the Methods of Payments and how to set these up as well as links to other helpful resources.
When a customer makes a purchase with your organisation, a payment will usually form a part of the transaction. Transactions can happen in person, online, by phone or through other methods such as an invoice.
Spektrix lets you process transactions using several methods of payment as standard:
- Cash Payments
- Card Payments (UK and Ireland)
- Card Payments (US and Canada)
- Apple Pay and Google Pay
- Cardholder Wallets
- Account Credit and Gift Vouchers
- PayPal
- Custom Payment Types
Before reading this article, make sure you're familiar with:
- Introduction to Payment Service Providers
- Card Processing and Merchant Banks
- PayPal and Spektrix
- Card Wallets in Spektrix
- A Guide to Standard Reports in Spektrix
Cash Payments
Cash is a common method of payment for many Spektrix Users. It is widely accepted in Box Offices. You can connect a USB cash drawer to your Spektrix system via the Box Office App.
It’s not essential to use a USB cash drawer, but if you do, Spektrix can integrate with USB-powered cash drawers so that when you take cash payments, the drawer opens automatically.
Card Payments (UK and Ireland)
Several different types of cards are accepted with Spektrix.
Cards accepted include Visa and Mastercard. American Express (Amex) can also be used, though you should check with your finance team as not all organisations accept Amex payments.
Along with your business bank account you’ll need an account with a Merchant/Acquiring Bank to accept card payments, as well as a Payment Service Provider to actually put payments through. The following Payment Service Providers are available in the UK and Ireland
For more information on Merchant/Acquiring Banks and Payment Service Providers, read Card Processing and Merchant Banks.
Customer Present (Chip & PIN)
Customer present transactions are known as EPOS (Electronic Point of Sale).
To accept payments where the Customer is present, such as at the Box Office, you’ll need a PIN Pad (also known as a Chip & PIN machine or PED/ped) for each terminal. Read the following articles depending on your payment solution:
- Spektrix Payments: Introduction to V400c Plus and V400m Spektrix Payments Terminals
- Opayo: Introduction to PIN Pads (UK and Ireland)
In addition to Card payments, Customers making a Contactless payment can also use Apple Pay/Google Pay if they have a card stored in their phone’s wallet.
Card Payments (US and Canada)
Along with your business bank account you’ll need a Payment Services Provider to put payments through your Spektrix system.
There are several Payment Services Providers available to US and Canadian clients. These include:
- Spektrix Payments
- Worldpay
- Authorize.Net
- Moneris
Read Introduction to Payment Service Providers for more information.
Merchant/Acquiring Banks
As well as a Payment Services Provider, you’ll also need a Merchant/Acquiring Bank.
You can use any Merchant Account that works with one of our Partner Gateways. These Gateways also provide these services alongside their Gateway services.
Once your Gateway and Merchant Account are connected, you can provide the unique credentials for each Gateway to Spektrix Support for us to link to within Spektrix. These are:
- Authorize.net: API Login ID and API Transaction Key
- Worldpay: Account ID, Account Token, Acceptor ID, and Terminal ID
- Moneris: Store ID and API Token
WARNING: Regenerating the Transaction Key will disable any existing integrated products with Authorize.net
Customer Present (Chip Transactions)
Customer present transactions are known as EPOS (Electronic Point of Sale).
To accept payments where the Customer is present, such as at the Box Office, you’ll need a Chip Reader. Read the following articles depending on your payment solution:
- Spektrix Payments: Introduction to V400c Plus and V400m Spektrix Payments Terminals
- Worldpay (US only): Introduction to Chip Readers (US Only)
In-person payments using a Worldpay Chip Reader is only available in the US.
If you're in Canada and want to take payments using Chip or Tap to Pay, you’ll need to move to Spektrix Payments. Read Introduction to Spektrix Payments for more information.
In addition to Card payments, Customers making a Contactless payment can also use Apple Pay/Google Pay if they have a card stored in their phone’s wallet.
Interac
Some Canadian Organisations use Interac, a national debit program, to take debit card payments. Interac payments are processed on terminals which are separate from Spektrix. Users who process payments via an Interac terminal will need to set up and process the payment in Spektrix as a Custom Payment Type.
Apple Pay and Google Pay online (Spektrix Payments only)
Customers can already make in-person purchases using Apple Pay and Google Pay wallets on their phone.
Users of Spektrix Payments can offer Apple Pay and Google Pay as payment methods for online purchases.
Your customers will be able to complete their purchase on your website by logging into their Apple or Google account. Any payments will be taken from a credit or debit card linked to the customer’s Apple or Google account.
Read Apple Pay and Google Pay for more information.
Customer Not Present
Payments processed where the Customer is not present are known as MOTO payments (Mail Order/Telephone Orders). You’ll use the Phone channel in Spektrix to process MOTO payments:
Card (Customer not present) and Chip & PIN Payments will both show up under the Payments tab in the Payments section of the basket in the Sales Interface:
Card is only enabled as a Payment method once you add Customer to the basket.
TIP: To take a payment from a Customer who is not present, you'll need the customer on the phone so they can provide you with the card’s Security Code. You can process Customer not present payments without the customer’s Security Code, but only if you have Continuous Authority set up. You’ll always need the customer’s consent to do this.
Cardholder Wallets
When taking payments where the Customer is not present, you may sometimes use a stored payment card, known as a Card Holder Wallet. For PCI compliance, the Customer’s card details are stored by the Payment Service Provider.
When using this Method of Payment, you only need to enter the card’s 3 or 4 digit Security Code.
TIP: This feature is available in the UK and Ireland if you use Spektrix Payments or Opayo for Ecommerce and MOTO transactions.
It is available in the US and Canada if you use Worldpay, Authorize.net or Moneris for Ecommerce and MOTO transactions.
Cardholder Wallets enable your customers to store their card details so that they can use them again without having to enter the full details.
Once the details are stored, you can also charge the card through the Box Office without having to take the full details; the Customer needs to agree to this and provide the card’s Security Code.
You can also charge the card at regular intervals to automatically renew Memberships.
Read Card Wallets in Spektrix for more information.
Continuous Authority and Auto-Renewable Memberships
If you want to set up automated payments for Membership renewals, you can process these using Continuous Authority.
Continuous Authority lets you charge a Customer's card without needing the card’s security code, enabling you to use Auto-Renewable Memberships
Read Continuous Authority and Recurring Payments in Spektrix for more information.
Account Credit and Gift Vouchers
With Account Credit, no money changes hands in the transaction. This is usually because a Gift Voucher has been redeemed and added to an account as a Credit balance. You can also add Credit to a Customer’s account for one of the following reasons:
- You’re returning or exchanging tickets and applying Credit so the Customer can rebook
- You’re applying a goodwill Credit to a Customer’s Account
Read Credit in Spektrix for more information on Account Credit and Gift Vouchers.
Gift Vouchers
A Gift Voucher in Spektrix is purchased by a Customer to give as a gift. When a Gift Voucher is redeemed, the value of the Gift Voucher is added to the recipient’s Account and converted into Account Credit.
You can find more information on Gift Vouchers in these articles:
- Setting Up and Managing Gift Vouchers
- Selling Gift Vouchers
- Redeeming Gift Vouchers
- Searching for Gift Vouchers
- Refunding Gift Vouchers
Account Credit and Gift Vouchers can both be used via the Credit, deposit & vouchers tab in the Cart/Basket:
PayPal
As well as Payment Service Providers such as Opayo and WorldPay who process card payments, Spektrix also integrates with PayPal.
Payments made through PayPal and Spektrix are processed automatically and authorised instantly (subject to available funds). This gives your Customers even more choice of payment methods.
PayPal is only available with the Classic Checkout in Spektrix. You’ll also need a PayPal Business Account. Check with your finance team before proceeding, as some organisations may already have a PayPal Business account.
Once PayPal is set up in Spektrix, your Customers will see it during the Checkout stage on your website:
When PayPal is selected, Customers will next see a Pay with PayPal button in the Payment section of the Checkout:
When a Customer clicks this Pay with PayPal button, a PayPal login screen will appear. Customers then enter their PayPal Email address or Mobile Number and Password to complete the transaction.
For more information on using PayPal as a Method of Payment, read PayPal and Spektrix.
Custom Payment Types
Many Organisations also accept other methods of payment, such as cheque, invoice, or bank transfer; these can be set up in Spektrix by creating Custom Payment Types.
TIP: Custom Payment Types can only be used in the Sales Interface, or for payments processed via integrated Partner Products. They can’t be used by Customers online.
You’ll process these payments outside of Spektrix, then use a Custom Payment Type to reflect the payment in Spektrix.
Reporting on Methods of Payment
To keep track of which Methods of Payment have been used in your Spektrix system, you’ll use the Payments and Activities report. This report shows all payments received over a set period, broken down into Activities.
The report breaks down all your Payment types (including Cash, Card Types, Gift Vouchers and Custom Payments) and also shows the gross totals for commissions, Events, Merchandise sales, Donations and Memberships.
REMINDER: In Spektrix, it’s possible to use multiple Methods of Payment in a single Order. A single Order may also contain multiple Events and items. Therefore, it's not possible to report on payments by Event. You can find out more about Mixed Payments here in Report Types.
Spektrix provides a number of reports for reporting on Methods of Payment. These are:
- Payments & Activities Report
- Payments & Activities Report (by User)
- Payments & Activities Report (Daily Breakdown)
- Payments & Activities Report (Detailed)
- Payments Report
You can find out more about Reporting in our article, Report Types.
You now have the information you need to work with different Methods of Payment in Spektrix. To learn more about payments, visit the Manage Payments section of the Support Centre.