Banks & Payment Methods

Two lists have to agree: the tenders a cashier can pick (Cash, Card, a wallet, a platform) and the real-world accounts money actually lands in. This page is about wiring them together, once, correctly.

Bank accounts#

Each bank account is registered with its ledger head, so bank tenders and settlements post to the right place. With tender clearing enabled, each bank additionally carries a clearing account — the in-transit parking spot for card money the processor hasn't settled yet.

Payment methods#

Every payment method the POS offers maps to a destination:

• Cash → the register that took it (and from there, the cashier's custody at close).
• Cards / bank transfers → the mapped bank (or its clearing account).
• Third-party platforms → the platform's receivable — the aggregator owes you until their settlement arrives, and the ledger says so.
• Credit → the customer's receivable.
• Cheque → the bank directly, or the full post-dated cheque lifecycle when PDC handling is on.

Why the wiring matters#

Every mis-mapped tender is a reconciliation mystery later: money the ledger says is in Bank A that the statement shows in Bank B, or platform receivables that never age because they post as instant cash. One careful hour here buys quiet month-ends for years.

When you add a tender (a new wallet, a new aggregator), add its mapping the same day. An unmapped tender doesn't refuse to work — it posts to the default, which is how mysteries start.