Part 1: Payment Methods and Processing

📚 Part 1: Payment Methods and Processing

Modern retail accepts a variety of payment methods. Cashiers must be comfortable processing each one accurately and understanding the risks associated with each type.

Cash Payments

When accepting cash, announce the amount tendered (e.g., “You’ve given me R200”), enter it into the POS, and issue the correct change. Always count change back to the customer. After the transaction, check notes for authenticity using the store’s verification tools.

Card Payments (EFT)

EFT payments are processed through the card terminal. Invite the customer to tap, swipe, or insert their card and enter their PIN. Wait for approval before completing the transaction. Never write down card details. If a transaction declines, ask the customer to try another payment method.

Vouchers, Gift Cards and Loyalty Points

Verify that vouchers are valid (not expired or already used), scan or enter the code as per your POS procedure, and confirm the balance covers the transaction. Loyalty point payments are processed through the POS and should be confirmed with the customer before applying.

Split Payments and Counterfeit Detection

Customers may pay using multiple methods — part cash and part card. Your POS will allow split payments. For counterfeit detection, use the pen test, UV light, or watermark check tools provided. If you suspect a note is fake, follow your store’s protocol to escalate to a supervisor discreetly — never hand it back.

🔑 Key Takeaways

• Always announce the amount tendered when accepting cash.
• Count change back to customers to avoid disputes.
• EFT approval must be received before the transaction is complete.
• Suspect notes must be escalated — never return them to the customer.