Manual Payment Entry (KEY & ACH)

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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.

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Navigation

Both flows are launched from the sidebar ACTIONS group: 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.

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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.

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Transaction Type

A dropdown at the top of the form. Choose before entering payment data — it determines what the rest of the form does.

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Amount & Tax

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Card Information

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Billing Address

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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:

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Pricing Summary

A live panel on the right of the slide-over updates as you type:

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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.

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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.

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Transaction Type

ACH supports only two transaction types:

Note: ACH does not support Authorize or Validate. If you need to pre-authorize or zero-dollar verify, use KEY.

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Amount & Tax

Same as KEY — Amount (required), Tax Exclusive % (optional). The live Pricing Summary updates identically.

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Bank Account Information

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Billing Address

Same fields as KEY — Street Address, City, State, Zip code, all required.

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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.

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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.

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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.