Pay with more than one method

Q: I typed the bank amount and the cash changed by itself.

That is how it works: Cash always shows what is left after the bank and gift card lines. Set the bank and gift card amounts first, then the cash the customer hands over.

Q: A customer wants to pay part in points. Is that a payment line?

No. Points lower the Total itself before the other methods are worked out ( Spend points on a bill: the loyalty adjustment policy ).

Q: A customer pays with a gift card and the card does not cover the bill.

A gift card pays at most its balance. Take the rest with Cash or Bank/Wallet Payment ( Sell a gift card and pay with one ).

Use two or more of Cash, Bank/Wallet Payment, Gift card and Loyalty discount on one bill. Lower the line that is not cash and cash takes the rest. A bill can have one bank or wallet line only.

Retail POS Payment and receipt
4 min read
Updated October 20, 2026

For Cashier

Split a bill between methods

Press the first method
Who
Cashier
Where
POS Sales > Bank/Wallet Payment, Gift card or Loyalty discount card
What changes
Its box appears. A bank payment takes the whole remaining total; a gift card takes its balance when the bill is at least that much, otherwise type the amount.
Set its amount
Where
Bank/Wallet amount, Gift card amount or Loyalty discount
What changes
Change the amount to what the customer pays that way. Cash is worked out again as the rest.
Press the next method, or check Cash
Where
Cash
What changes
What is left shows under Cash. Type a larger cash amount when the customer pays in notes and needs change.
Check the totals
Where
Tender amount, Return amount
What changes
Tender amount is the sum of the lines and must be at least the Total.
Save
Where
Sales/Print
What changes
One bill, with a payment line for each method (Save the bill: Sales/Print).

Examples

Total	Customer pays	Lines
Rs 2,000	Rs 1,500 by card, the rest in cash	Bank/Wallet amount 1,500, Cash 500
Rs 2,000	A gift card with Rs 800 left, the rest in cash	Gift card amount 800, Cash 1,200
Rs 2,000	600 in loyalty points, 950 by wallet, the rest in cash	Loyalty discount 600 (lowers the total to 1,400), Bank/Wallet amount 950, Cash 450

Rules to remember:

One bank or wallet line per bill. A customer who pays by two different cards or wallets needs two bills, or one of the payments in cash.
Change comes from cash only. A bank, wallet or gift card amount cannot be more than what is owed.
A gift card pays at most its balance and at most the total.
Loyalty points lower the total itself (Spend points on a bill: the loyalty adjustment policy).

What happens when you save a split bill

Area	Change
Invoice and IRD	One bill for the whole total, whatever the methods
Cash drawer	Only the cash line, less the change, counts toward the hand over
Accounting	A moment later: a receipt for the cash, a receipt for the bank or wallet, the gift card account for the gift card part (When the payments reach the books)
Loyalty	Points spent lower the bill itself; they are not a payment line

Worked example: a bill of 2,260 paid by card and cash, with change

The Total is Rs 2,260 (2,000 and 13% VAT, the rate set up for this example). The customer pays 1,500 by card and the rest in cash, and hands over a 1,000 note.

Step	What you do	What the screen shows
1	Press Bank/Wallet Payment and lower Bank/Wallet amount to 1,500	Cash takes the rest: 760
2	The customer gives a 1,000 note: type 1,000 in Cash	Tender amount 2,500 and Return amount 240
3	Sales/Print, Save and print	One bill for 2,260

Typing in Cash does not change the card amount, so the 1,500 stays.

After the save	Amount
Cash drawer record	760: the 1,000 given less the 240 change
Receipt for the cash	760 into the cash account
Receipt for the card	1,500 into the bank you chose
The customer's account	Debited 2,260 at the save and cleared by the two receipts (760 + 1,500)

Common questions

The customer wants to pay with two different cards.

The till takes one bank or wallet line per bill. Take one card for part and cash for the rest, or make two bills.

I typed the bank amount and the cash changed by itself.

That is how it works: Cash always shows what is left after the bank and gift card lines. Set the bank and gift card amounts first, then the cash the customer hands over.

Can a card payment give change?

No. Change comes from cash only; a bank, wallet or gift card amount cannot be more than what is owed.

Does a split bill make two invoices?

No. It is one bill and one invoice for the whole total. Only the payments are separate, one for each method.

A customer wants to pay part in points. Is that a payment line?

No. Points lower the Total itself before the other methods are worked out (Spend points on a bill: the loyalty adjustment policy).

A customer pays with a gift card and the card does not cover the bill.

A gift card pays at most its balance. Take the rest with Cash or Bank/Wallet Payment (Sell a gift card and pay with one).

Pay with more than one method

Split a bill between methods

Examples

Common questions

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