# Take payments and print receipts

> Take a payment at the POS, split it across methods or leave a balance due, and print or send the receipt.

*Section: Selling · Updated: 2026-10-19 · Needs the plan feature: pos*

By the end you will have taken a payment at the POS, split it across methods when needed, taken part now and the rest later, and printed or sent the receipt.

## Take the payment

1. **Click Pay Now.** The **Payment Checkout** window opens with one payment line, **Payment #1**, for the full **Total Amount**.
2. **Check the method.** The shop's default method is selected, or **Cash** when there is none. Click another card to change it: **Cash**, **Credit Card**, **Check**, **bank transfer** and the others your shop has.
3. **Enter what the customer gave you.** Type it in **Amount**, or click one of the quick amounts on the right. **Change** shows what to hand back.
4. **Pick an Account if you track accounts.** The payment is added to that account's balance. It is optional.
5. **Add notes if you need them.** **Payment notes** stays with the payment. **Sale notes** stays with the sale.
6. **Send the receipt if the customer wants it.** Tick **Send Email Receipt** or **Send SMS Receipt**. It goes to the email or phone saved on the customer.
7. **Click Pay.** The sale is saved and the receipt opens.

## Split a payment

Click **Add Payment Method** to add **Payment #2**. Each line has its own **Amount**, **Account** and method; the x on a line removes it. **Payment Breakdown** shows what is **Paying**, the **Balance** left and the **Change**. With more than one line, the total can't be more than the sale, so give change on a single line.

![Payment Checkout for a $ 104.98 sale with a second line, Payment #2, of $ 44.98 by Credit Card; Payment Breakdown shows Paying $ 104.98, Balance $ 0.00 and Change $ 0.00.](https://armpos.online/storage/help/2e6977ebd1-take-payments-and-print-receipts-1-split.webp)
*A sale split in two: $ 60.00 cash on Payment #1, the rest by card on Payment #2.*

## Take part now, the rest later

If the amount is less than the total, **Balance** shows what stays unpaid, and the sale is saved as **Partial** with that much due.

![Payment Checkout for a $ 112.80 sale with $ 20.00 entered: Payment Breakdown shows Paying $ 20.00 and a Balance of $ 92.80.](https://armpos.online/storage/help/c0c73e9a8c-take-payments-and-print-receipts-2-part.webp)
*Paying less than the total leaves a Balance, owed by the customer.*

To take the rest later:

1. **Open [Sales › All Sales](/app/sales/list).** The sale shows its **Paid** and **Due** amounts, with **Partial** in its payment column.
2. **Open the row's menu** (the button at the end of the row) **and click Create Payment.**
3. **Check the Date.** It starts on today's date, but around midnight it can show yesterday's: correct it if it does.
4. **Enter the Paying Amount** and pick the **Payment choice**. **Received Amount** is what the customer handed over, and **Change** shows what to give back. **Account** and **Note** are optional.
5. **Click Submit.** Once nothing is due, the sale shows **Paid**.

![The menu of a sale in All Sales: Sale Detail, Edit Sale, Sell Return, Show Payments, Create Payment, Edit Shipping, Invoice POS, Download Pdf, WhatsApp Notification, Email notification, SMS notification, Attach Documents and Delete Sale.](https://armpos.online/storage/help/80679c9cbd-take-payments-and-print-receipts-3-row-menu.webp)
*Every sale's menu. Create Payment takes money still due; Show Payments lists what was paid.*

![The Create Payment window for Mama's Kitchen Restaurant: Date, Reference, Payment choice set to Cash, Received Amount and Paying Amount both $ 92.80, Change 0.00, Account, Note and Submit.](https://armpos.online/storage/help/0f463fa95b-take-payments-and-print-receipts-4-add-payment.webp)
*Create Payment fills in the amount still due.*

A customer's **Credit Limit** can stop a sale that would leave them owing more than it allows.

## Cards and mobile money

- **Credit Card** records a card payment. With Stripe set up in **Settings › Payment Gateway**, a card field appears and Stripe charges the card. Without Stripe, it records a card your own card machine took.
- Mobile money is set up on the same page, in plans that include it. On a mobile money line, enter the **Customer phone** and click **Send**. Click **Pay** once the line shows it paid.

## The receipt

- After **Pay**, the **Invoice POS** receipt opens. With **Print Invoice automatically** on, the print window opens by itself. Otherwise click **Print**.
- If **Invoice format** is set to **A4 Invoice (PDF)** (Settings › System Settings, on the **Invoice** or **POS Settings** tab), an A4 invoice opens for printing instead.
- **F9** on the POS prints the last receipt again.
- For an older sale, open **Sales › All Sales** and use the row's menu: **Invoice POS** opens the receipt to print, **Download Pdf** saves the invoice, and **Email notification**, **SMS notification** or **WhatsApp Notification** sends it to the customer.

## What's next

Set what the receipt shows in [Receipt and POS settings](/app/help/receipt-and-pos-settings).