> ## Documentation Index > Fetch the complete documentation index at: https://docs.ecrypt.com/llms.txt > Use this file to discover all available pages before exploring further. # Manual Payment Entry (KEY & ACH) ## Overview Manual Payment Entry is the fastest way to run a one-off charge from inside the dashboard without involving terminal hardware or a hosted page. There are two manual entry surfaces: **KEY** for keyed credit card transactions and **ACH** for bank-account transactions. Both are launched from the **ACTIONS** group in the left sidebar, both render in the same right-side slide-over with a live Pricing Summary, and both submit a single transaction immediately. Use these flows for phone orders, mail-order, walk-up payments where no card reader is available, and any other "I'm going to type the payment in by hand" scenario. > **Note:** Manual entry transactions are **keyed entry** for processor and interchange purposes. They carry higher interchange than card-present transactions and the AVS/CVV results matter more for fraud control. Use POS instead when the cardholder is physically present with a card. ## Navigation Both flows are launched from the sidebar **ACTIONS** group: | Action | URL parameter | Opens | | - | - | - | | KEY | `?actions=key` | Keyed credit card payment slide-over | | ACH | `?actions=ach` | Bank-account (echeck) payment slide-over | The slide-overs can be opened on top of any dashboard page — the parameter just appends to the current URL. Close with the **X** in the top right of the panel. *** ## KEY — Manual Credit Card Entry A single-screen form that takes the operator from "I have a card and an amount" to a settled transaction. ### Transaction Type A dropdown at the top of the form. Choose before entering payment data — it determines what the rest of the form does. | Type | Use it for | | - | - | | Sale | Standard charge — authorizes and captures in one step (the default) | | Authorize | Holds funds without capturing; capture later from the transaction detail panel | | Credit | Money out — pushes a credit to the card without referencing a prior sale | | Validate | \$0 verification that the card is good without charging anything | ### Amount & Tax | Field | Required | Notes | | - | - | - | | Amount | Yes | Dollar amount to charge (or credit) | | Tax (Exclusive) | No | % applied on top of Amount — shows in the Pricing Summary as Estimated tax | ### Card Information | Field | Required | Notes | | - | - | - | | Name On Card | Yes | Cardholder name exactly as on the card | | Credit Card Number | Yes | Full PAN; the card-brand icon appears once you start typing | | Expiration Date | Yes | MM/YY | | Security Code | Yes | CVV — 3 digits for Visa/Mastercard/Discover, 4 for Amex. Tooltip: "Enter Security Code on back of card" | ### Billing Address | Field | Required | Notes | | - | - | - | | Street Address | Yes | Address line 1 — drives AVS matching | | City | Yes | Billing city | | State | Yes | Billing state | | Zip code | Yes | Billing ZIP — drives AVS matching | ### Shipping Address A checkbox **My billing address is the same as my shipping address** is checked by default. Uncheck it to reveal four additional fields: | Field | Required | Notes | | - | - | - | | Shipping Street Address | Yes | Where the goods are going | | Shipping City | Yes | | | Shipping State | Yes | | | Shipping Zip code | Yes | | ### Pricing Summary A live panel on the right of the slide-over updates as you type: | Row | Notes | | - | - | | Amount | The base amount you entered | | Estimated tax | Calculated from the Tax % | | Surcharge | Calculated surcharge (if enabled on the merchant account and the card qualifies) | | Total | The amount that will actually be charged | ### Submit Click **SUBMIT PAYMENT** to run the transaction. The result lands in **Reporting → All Transactions** immediately and appears in the current day's batch for settlement. *** ## ACH — Manual Bank Account Entry The bank-account counterpart to KEY. Same slide-over layout, different payment fields. ACH transactions settle on the ACH network, not the card networks — expect a 1–3 business-day settlement window rather than next-day. ### Transaction Type ACH supports only two transaction types: | Type | Use it for | | - | - | | Sale | Standard debit from the customer's bank account | | Credit | Push a credit (money out) to the customer's bank account | > **Note:** ACH does not support Authorize or Validate. If you need to pre-authorize or zero-dollar verify, use KEY. ### Amount & Tax Same as KEY — Amount (required), Tax Exclusive % (optional). The live Pricing Summary updates identically. ### Bank Account Information | Field | Required | Notes | | - | - | - | | Name On Account | Yes | Account holder name on the bank account | | Account Number | Yes | The customer's bank account number | | Routing Number | Yes | 9-digit ABA routing number for the customer's bank | ### Billing Address Same fields as KEY — Street Address, City, State, Zip code, all required. ### Shipping Address Same toggle as KEY — billing and shipping are the same by default; uncheck to expose Shipping Street Address, Shipping City, Shipping State, Shipping Zip code. ### Submit Click **SUBMIT PAYMENT** to send the ACH transaction. It lands in **Reporting → All Transactions** with Tender Type = ACH and a Settled status that lags the card flow by 1–3 business days. *** ## Tips & Best Practices **Pick the Transaction Type before you start typing.** Switching from Sale to Authorize after filling in the form keeps the field values, but it's the single most common source of "wait, why did this not capture?" — verify the dropdown matches what you intend before submitting. **Validate is the safest way to onboard a new card.** \$0 verifications confirm a card is valid without an interchange fee and without touching the customer's available credit. Use it when adding a card to a customer's wallet before the first real charge. **Match the billing address to what the bank has on file, not where the customer lives now.** AVS compares the Street Address and Zip to the issuing bank's records — entering "where they live now" instead of "what the bank statement says" produces avoidable AVS mismatches and can trigger fraud rules. **Authorize + capture later is the pattern for orders you'll ship.** Run an Authorize when the order is placed, then open the transaction in Reporting and click Capture once you ship. The Authorize holds funds for \~7 days depending on the issuer. **Use ACH for high-ticket invoices, KEY for everything else.** ACH has effectively no per-transaction percentage fee — for \$5,000 invoices the savings versus card interchange are substantial. But ACH also has a multi-day settlement and limited recourse on returns, so keep card for anything under a few hundred dollars or where you need fast funding. **Surcharge only applies when the merchant account is configured for it and the card qualifies.** Debit cards never qualify for surcharging. If the Surcharge row in the Pricing Summary shows \$0.00, that's either the merchant configuration or a debit card — both expected. **Credit is a stand-alone push, not a refund.** If you want to refund a specific previous sale, find that transaction in Reporting and use **Refund Transaction** on the detail panel. The Credit transaction type here pushes money to a card with no link to a prior sale — useful for rebates or one-off payouts, but it leaves no audit linkage. **The Pricing Summary is the truth.** Whatever it shows as Total is exactly what will hit the customer. If you expected a tax line and don't see one, the Tax % is missing; if you expected a surcharge and don't see one, the card doesn't qualify or surcharging isn't enabled. Don't submit without confirming Total looks right. **ACH routing numbers can be validated quickly.** All US ABA routing numbers are 9 digits with a checksum — if the customer reads you a number that's the wrong length, ask them to re-read it before typing. Bad routing numbers reject at the processor, not at submit, so a typo wastes a day before you find out. **Shipping address only matters when you're shipping something physical.** For services and digital goods, leave the "billing same as shipping" checkbox alone. It saves four fields and avoids data-entry errors on records that won't be used. This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.