> ## Documentation Index
> Fetch the complete documentation index at: https://docs.maple.inc/llms.txt
> Use this file to discover all available pages before exploring further.

# Payment Methods Configuration

> Set up payment processing for orders

Configure how customers pay for orders through Maple. Payment processing is set up during onboarding and can be adjusted from your dashboard.

## Payment flow

When a customer places an order, Maple handles payment based on your configuration:

1. **Order totaled** — The AI confirms the order and calculates the total including tax, delivery fees, and tips
2. **Payment method selected** — The customer chooses to pay now (via link) or pay in store (if available)
3. **Payment processed** — For card payments, the customer receives a secure payment link via SMS
4. **Order submitted** — Once payment is confirmed, the order is sent to your POS

## Payment methods

Turn **Pay by Link** and **Pay in Store** on or off in your agent’s **Orders** settings (**AI Agents** → your agent → **Orders**).

### Pay by link

The default payment method. After an order is placed, the customer receives an SMS with a secure payment link. The link opens a checkout page where they can pay with:

- Credit or debit cards (Visa, Mastercard, Amex, Discover)
- Apple Pay
- Google Pay

> [!NOTE]
>
> Payment links are sent immediately after the order is confirmed. If the customer doesn’t pay, they receive automatic reminders: at 3, 6, and 10 minutes when the texts go out from your location’s own registered number, or one reminder at 5 minutes when they go out from Maple’s shared number.
>
> Chowbus orders follow a different schedule: reminders at 5, 10, and 15 minutes from your location’s own registered number, or one at 10 minutes from Maple’s shared number. An order still unpaid 20 minutes after it was placed is cancelled.

### Pay in store

Customers pay at the restaurant when they pick up their order. Delivery orders require upfront payment, except when your own drivers deliver them (or Slice delivers them, for Slice merchants) — then the customer can pay on delivery.

> [!WARNING]
>
> Pay in store is not supported by all POS systems. The following POS integrations require payment before order submission and **do not support pay in store**: Square, Smile, SpotOn, and Qu.

| Supports pay-in-store                                                                                                                                                      | Does not support pay-in-store |
| -------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------- |
| Toast, Shift4 Dine (formerly SkyTab), Clover, NCR Aloha, NCR Voyix, Quantic, POS Launcher, Tray, Chowbus, OrderCounter, Slice, Linga, Genius, FoodTec, Lightspeed K-Series | Square, Smile, SpotOn, Qu     |

The AI doesn’t take cash. Customers who want to pay cash choose pay in store, if you’ve turned it on.

### Prepayment for large orders

When both **Pay by Link** and **Pay in Store** are on for pickup, you can turn on **Require prepayment for large orders** and set an order total threshold. Pickup orders above that amount must be paid by link before the order is sent to your POS.

### Auto-convert to pay in store

When enabled, if a customer has not paid via their payment link after all reminders are sent, the order is automatically converted to pay in store. This prevents orders from being lost due to unpaid payment links.

**How it works:**

1. Customer places a pickup order and receives a payment link via SMS
2. Maple sends automatic payment reminders if the link is unpaid: at **3**, **6**, and **10 minutes** from your location’s own number, or once at **5 minutes** from Maple’s shared number
3. If the order is still unpaid 10 minutes after the link was sent, the order converts to pay in store (Chowbus orders are not converted: they are cancelled if unpaid 20 minutes after the order was placed.)
4. The order is submitted to your POS as an unpaid pickup order
5. The merchant receives an SMS notification explaining that the order was switched to pay in store

> [!WARNING]
>
> Auto-convert only applies to **pickup orders**. Delivery orders are never auto-converted, even when your own drivers deliver them.

This setting is configured per location in the Maple dashboard under your agent’s phone channel settings. It requires that your POS supports pay-in-store orders and that pay in store is enabled as a payment method for pickup.

## Payment providers

Maple uses a payment provider to process card payments. The provider is configured automatically based on your POS integration:

| POS Integration                    | Payment Provider                                    |
| ---------------------------------- | --------------------------------------------------- |
| Smile                              | Gravity                                             |
| Shift4 Dine (formerly SkyTab)      | Shift4                                              |
| SpotOn                             | CyberSource                                         |
| Quantic, Chowbus                   | The POS’s own payment links                         |
| Clover                             | Stripe, or Gravity for merchants invited by Gravity |
| Toast                              | Toast Hosted Checkout (your Toast account)          |
| Toast on StreamOrders              | Stripe                                              |
| Square, NCR Aloha, NCR Voyix, Tray | Stripe                                              |

> [!NOTE]
>
> Payment processing is included with Maple — no separate merchant account is needed for Stripe-powered integrations. Toast, Smile, Shift4 Dine, and SpotOn use their respective POS payment systems, and Quantic and Chowbus send their own payment links.

## Currency

Payments processed through Stripe (Square, Clover, NCR Aloha, NCR Voyix, Tray, Toast on StreamOrders, and manual setup) can charge customers in Canadian dollars (CAD), and payouts are made to you in CAD.

Payment links processed through your Toast account, SpotOn (CyberSource), Smile or Clover via Gravity, and Shift4 Dine charge in US dollars (USD) only. Canadian merchants on one of these should contact Maple support before taking orders.

## Payment rules by order type

| Order Type   | Pay by link | Pay in store                                         | Notes                                                           |
| ------------ | ----------- | ---------------------------------------------------- | --------------------------------------------------------------- |
| **Delivery** | ✅           | ✅ Only when your own drivers deliver (POS-dependent) | Pay upfront; pay on delivery only when your own drivers deliver |
| **Pickup**   | ✅           | ✅ (POS-dependent)                                    | Customer chooses at checkout                                    |

## Configuration options

- **Tip suggestions** — customize default tip percentages
- **Service fees** — optionally have customers cover card processing, shown as a “Service Fee” on pay-by-link orders (see [Service fee](https://docs.maple.inc/help/faqs/understanding-the-service-fee-on-customer-orders.md))
- **Tax calculation** — handled automatically based on location

## Tips

Maple can suggest and collect tips during the ordering process:

- Tip suggestions are presented to the customer
- Customers add a tip on the payment link page, next to the order total, before they pay
- Tips are included in the payment link total
- Tip amounts are reported in your dashboard and POS

## Refunds

Refunds are processed through your payment provider:

- Full or partial refunds available
- Refund processing depends on your payment provider
- Refund status is tracked in the Maple dashboard

## Disputes (chargebacks)

If a customer disputes a charge made through a Maple payment link, you don’t need to respond. Maple submits dispute evidence for you, including details such as call logs. If the dispute is lost, the disputed amount is deducted from your future payouts.

## Security

- PCI DSS Level 1 compliant
- End-to-end encryption
- Card tokenization (card numbers never stored)
- Fraud prevention and monitoring

> [!NOTE]
>
> Card processing is included with your Maple plan — no separate merchant account needed for Stripe or Gravity. You can choose to have customers cover card processing instead, shown as a “Service Fee” on pay-by-link orders (see [Service fee](https://docs.maple.inc/help/faqs/understanding-the-service-fee-on-customer-orders.md)).

## Testing payments

1. ### Use test card numbers

   In test mode, use standard test card numbers (e.g., `4242 4242 4242 4242` for Stripe).

2. ### Place test orders

   Create orders through the voice AI or dashboard and complete payment via the link.

3. ### Verify in POS
   Confirm the paid order appears correctly in your POS system.

4. ### Check settlements
   Review payment settlements in your Maple dashboard.

## Next Steps

- [Configure delivery](https://docs.maple.inc/orders/config/delivery.md): Set up delivery zones and fees
- [Menu management](https://docs.maple.inc/orders/config/menu-management.md): Manage your menu
- [Orders overview](https://docs.maple.inc/orders/overview.md): Return to orders overview
- [Go live](https://docs.maple.inc/going-live.md): Launch your Maple AI