Pepper supports in-person card payments using payment terminals, allowing distributors to collect payment at the time of delivery or pickup. Payments can be initiated directly from PMC or entered at the terminal itself, giving teams flexibility depending on the customer and counter setup.
Note: Payment Terminals are available for anyone with Finance Hub enabled - contact your customer success rep to learn how to get started.
Key Benefits
Collect payments on the spot: Initiate and complete card payments from PMC or directly at the terminal.
Reduce manual reconciliation: Payments are tied to customers and invoices, minimizing errors and back-and-forth after delivery.
Flexible invoice management: Review open invoices, add new charges, or apply credits before sending the total to the terminal.
Clear, customer-friendly checkout: Customers see the final amount (and any applicable card fees) directly on the terminal before confirming.
Centralized receipt access: Receipts are available both physically (if enabled) and digitally within PMC.
Fast counter checkout: Cashiers can key an invoice number and amount directly into the terminal, making it well-suited for walk-in and cash-and-carry scenarios.
PMC-Initiated Terminal Payments
Accessing Payment Terminals page
Navigate to PMC
Go to the Payments tab
Select the Terminals flow
Step 1: Select a customer
Search for and select the customer you want to charge.
Once selected, all existing open invoices for that customer automatically populate in the payment flow.
Step 2: Review or modify invoices
Before sending the payment to a terminal, you can:
Select from existing open invoices
Add a new invoice
Add a credit to adjust the total
The net total is automatically calculated based on:
Open invoices
Newly added invoices
Credits applied
Click the Add charge button to add credits and charges.
Step 3: Select a payment terminal
Choose a terminal from the Payment method list.
Each terminal represents a physical device connected to the system. Select the terminal where the customer will complete payment, then click Send to push the payment request to the device.
Select a terminal under 'Payment method', review the subtotal and add a memo in the 'Notes' box, then click 'Send to terminal'.
Step 4: Complete payment on the terminal
Once the payment is sent:
The terminal displays the total charge amount
The customer can tap, insert, or swipe their card
Credit card fees (if enabled):
Fees are calculated and displayed on the terminal, not in PMC
The customer sees the fee breakdown before confirming
The customer must confirm the fee and complete the transaction on the device
Step 5: Access receipts and finalize
After a successful payment:
A physical receipt is printed (if enabled)
The payment is recorded in PMC
A digital receipt is available in the History section by clicking on an invoice number. It can also be accessed in the Transaction History section of the Payments tab.
Standalone Terminal Payments
Step 1: Enter the invoice number and amount
On the terminal, key in the invoice number and the amount to charge.
Step 2: Complete payment on the terminal
The customer taps, inserts, or swipes their card to complete the payment.
Credit card fees (if enabled): Surcharges apply in standalone mode. The terminal detects whether the card is credit or debit and displays the appropriate fee before the customer confirms.
Step 3: Payment is recorded automatically
Once payment is authorized, the transaction is automatically recorded against the invoice. No additional steps are needed in PMC.
Key Behavior Notes
Open invoices automatically populate when a customer is selected
Manual invoices and credits can be added before sending the total to the terminal
Credit card fees (if enabled) are handled and confirmed on the terminal
Receipts are available both physically and digitally
The terminal manages all customer-facing fee confirmations
Standalone terminal payments are posted automatically against the invoice number entered — no action is required in PMC after payment is completed
Payouts for standalone terminal payments are processed the same way as PMC-assisted terminal payments
Permissions and Access
Access to in-person payments with payment terminals is controlled by user permissions in PMC.
Only users with Payments access can view the Payments tab and access the Terminals flow.
Users must have permission to initiate payments in order to send charges to a payment terminal.
Users without the required permissions will not see the Terminals option in PMC.
If you’re unsure whether a user should have access to this feature, review their role and permissions in the User Config tool.