Credit Card Processing
Getting your credit card processing set up and functional involves a few steps, a basic understanding of your credit card reader, and familiarity with running a credit transaction. Here, we’ll take you step by step through setting up credit card processing.
Table of Contents
Set Up In-Store Credit Card Processing
The first step towards accepting credit cards at the register is to select a processor and integrate your processing with ShopKeep.
- Pick a credit card processor.
Select eligible merchants may see a landing page directly in their BackOffice.
Already have ShopKeep Payments? Learn how to read statements, run reports, & calculate your all-in rate here.
- Connect your processing with ShopKeep.
If you have an existing credit card processor, ask a representative from your processor to fill out our ISO boarding form. We’ll process the form, test your credentials, and send you an email when setup is complete. Once you get the email, you’ll need to open a new register shift and run a test transaction.
Using ShopKeep Payments as your processor? You can skip step 2!
Set Up Online and Mobile Credit Card Processing
ShopKeep Business Owners can access the online and mobile payments setup flow in BackOffice to get approved for processing credit payments on emailed invoices, orders placed via a ShopKeep eCommerce webstore, and Pay by Link sales run in the iOS ShopKeep Register app.
- Sign into BackOffice as the Business Owner.
- Click ‘Card Payments’, then select ‘Online and Mobile Payments’.
- Click ‘Get Started’.
- Select ‘Business Details’, then follow the prompts to enter your business information.
For this step, you will need to enter the:
- Business type (e.g. sole proprietor, company, etc.)
- Name, email address, date of birth, home address, phone number, and last 4 digits of the Social Security number of the Business Owner
- Industry and website of the business
- Click ‘Bank Account’, then follow the prompts to enter the details for the bank account where you want to receive deposits.
- Provide your long-term choice of deposit account as this information cannot be updated in BackOffice. To learn how to change this account, contact [email protected].
- For this step, you will need to enter the:
Routing number and account number of the bank account
- Wait for ‘Active’ to appear next to ‘Business Details’ and ‘Bank Account’, indicating approval for payments.
Most merchants will be approved within moments. If either status shows ‘Pending’, check back in 1 – 3 business days or wait to receive email confirmation that you were approved.
Once you begin running transactions, you will receive a weekly email statement summarizing the online and mobile payments processed the previous week.
- Enter the DBA for your business in the ‘Doing Business As’ field, then click ‘Save’ to save changes.
The DBA must be 5 – 22 characters long, contain no special characters, and have at least 1 letter.
- The DBA, or ‘doing business as’ name, appears on customer credit card statements next to each online and mobile payment charge from your business.
- By default, the DBA is set to the website entered in the ‘Business Details’ section (see step 4). If you did not enter a website and do not update your DBA, it will default to ‘ShopKeep’.
- (Optional) Follow the steps in the eCommerce Setup section below to enable payments for your ShopKeep eCommerce webstore.
- (Optional) Follow the steps here to run a test transaction.
Credit Card Readers
Merchants need an encrypted reader from our online store to process credit cards in the ShopKeep Register app. Here are a few of our supported readers:
Run an In-Store Test Transaction (Optional)
After we let you know your in-store processing is set up, run an optional sale to make sure everything works properly. Create an open priced item that can be used to charge any amount, then ring up that item at the register.
- Create an open priced item in BackOffice or the ShopKeep Register app.
- Ring up $0.01 using the item created above, then tap ‘Credit’.
- Swipe, tap, or insert a card or use Apple Pay.
Do not use a card issued in your personal or business name as this may result in an error.
- If prompted, sign the screen and tap ‘Next’.
- Tap 'No Receipt' to finish.
Funds accumulate in the gateway and batch automatically the next morning.
- (Optional) Perform a return to refund the test transaction.
After running a test transaction, either perform a return at the register to balance out the net sales amount for that day or exclude that day when running sales reports. Transactions run at the register or in ShopKeep Pocket will appear in reporting and cannot be deleted.
Having problems running cards? Visit our Credit Card Troubleshooting Guide.
Have some more questions? Check out our Credit Card Processing FAQ.
Run a Mobile Test Transaction (Optional)
Run an optional test transaction to confirm the online and mobile payments setup was successful. A test transaction can be run by paying for an invoice or processing a credit sale with Pay by Link in the iOS register.
- From the Dashboard tab in the ShopKeep Pocket app, tap ‘+ New Sale’.
Need help downloading, installing, or setting up the ShopKeep Pocket app? Visit our ShopKeep Pocket article.
- Enter a sale amount of $0.50 or above, then tap ‘Credit’.
All credit transactions run in ShopKeep Pocket require a minimum total amount of $0.50.
- Enter a card number.
The credit or debit card used for the test transaction must not be tied to the bank account used to set up online and mobile payments.
- Enter the card’s expiration date and CVV number, then tap ‘Done’.
- Select a receipt option to finish up.To send an email receipt, tap ‘Email Address’, enter your email address, then tap ‘Email Receipt’.To skip sending a receipt, tap ‘No Receipt’.
- Tap ‘Go to Dashboard’ to return to the Dashboard tab.
Sales reporting will be updated to include the test transaction and Pocket will automatically refresh. Credit sales run in Pocket will be included in your weekly ShopKeep Online & Mobile Card Processing Statement email.
For detailed, step-by-step help processing online and mobile payments, visit our Online and Mobile Payments Setup article.