🛠 Step 1: Access the Payment Settings
Go to the Miscellaneous menu at the top of the screen.
Click Maintain Settings & Options.
Select the Payments tab.
💳 Step 2: Configure Payment Types (Credit Cards and Others)
In the Payments tab, you will see a grid listing all existing payment types. From here you can:
Add or Delete payment types using the controls to the left of the grid.
Edit or Disable a payment type by:
Double-clicking the row, or
Highlighting the payment type and clicking the pencil/edit button.
Marking as Credit Card & Setting Surcharges
When editing a credit card type:
Check the box labeled "Is a Credit Card".
Select the major credit card type (Visa, MasterCard, etc.) from the dropdown list.
(Optional) Enter a Surcharge or Discount Rate under Sur/Disc Rate:
Example:
3.00%will apply a 3% surcharge.Example:
-3.00%will apply a 3% discount (e.g. for cash payments).
Choose whether the charge applies to the buyer or consignor.
Set where the surcharge/discount is applied using the S/D Rate Applied To column. When dealing with surcharges on credit cards, ALWAYS choose SD Rate Applied To #5 unless instructed by Auction Flex Support personnel. Option 5 will allow you to split payment types for locally processed cards mixed with cash or check.
Specify whether the surcharge or discount is taxable.
💡 Example: A 3% surcharge applied to Visa, marked as taxable, and applied to the invoice subtotal will automatically increase total amount due when Visa is selected as the payment method.
🏦 Step 3: Set Up Integrated Credit Card Processing
Click the Integrated Credit Card Processing tab.
Select your processing provider from the Retail Card Processor. Preferred provider would be Global Payments due to hardware and pay link integration.
Enter your Global Payments (or applicable provider) credit card processing credentials.
You must fill out all required fields accurately. Do this in E-Commerce, ACH (if selected as an option during onboarding, and Retail.
Note: Asterisks in password fields may not reflect the actual number of characters.
If you are using the EMV compliant chip, tap, & swipe readers (purchased from Global Payments
🌐 Step 4: Enable Online & Retail Credit Card Processing
Depending on how you plan to take payments, check one or both of the following options:
For Online Auctions (HiBid):
Check Enable Internet Credit Card Registration Processing.
Choose E-commerce or other appropriate option from Terminal Type to use when processing payments from HiBid Internet Bidders.
For Retail/Card-Present Transactions:
Check Enable Retail Credit Card Processing.
🔁 Step 5: Finalize and Repeat for All Credit Card Types
Click Save after editing each credit card type.
Repeat the configuration process for all other payment types you plan to use (e.g., Visa, MasterCard, Amex, Discover, Cash, Check, etc.).
✅ Summary: Key Payment Setup Options
Setting | Description |
Is a Credit Card | Marks payment type as a credit card for surcharge/tax and integration. |
Sur/Disc Rate | Enter positive value for surcharge, negative for discount. |
S/D Rate Applied To | Choose where the surcharge/discount is applied (e.g., subtotal, invoice). |
Taxable | Determines if the surcharge or discount is taxed. |
Enable Internet CC Processing | Allows HiBid internet bidder cards to be charged through Auction Flex. |
Enable Retail CC Processing | Enables credit card terminal functionality for in-person auctions. |
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