> ## 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.