A cashier does not think in chart-of-accounts terms. They think in the payment method the customer knows: cash or mada, not an account number. We launched payment methods in the Qoyod POS system to close that gap.
Organizations can now define the payment methods they actually use and manage them from POS settings, replacing the accounting account selection at checkout. The cashier picks a commercially meaningful method, while the system links it to the correct account and books its fees without any intervention.
A payment method is an organization-level definition that holds everything the system needs to record the payment correctly: an Arabic and English name, the account the amounts settle to, any fees the provider charges along with their expense account and tax, the corresponding ZATCA payment means, and an icon to represent it on screen. It is defined once and is available to all branches and users.
Permissions
We added a dedicated permission set for payment methods within role management: view, which allows seeing the list and details; edit, which allows creating, editing, activating, and deactivating and requires view; and delete, which allows removing unused methods and requires edit. A user without view permission does not see the section at all, and permission changes take effect immediately without signing out and back in.
The payment methods list
The payment methods section shows every defined method with its icon, name, linked account, fee summary, and status, plus a tag marking the default method. The display order is drag-and-drop, saved immediately, and reflected in the order the cashier sees.
Selecting any method opens a side panel showing the full configuration in read-only mode, with an edit action at the top for users who hold management permission.
Creating and editing a payment method
Each method is defined with an English name and an Arabic name, both unique across the organization. It is linked to one of the organization’s payable accounts, and fees can be configured in four shapes: no fees, a percentage, a fixed amount, or a fixed amount plus a percentage. Once fees are set, selecting a fee expense account becomes mandatory, along with the fee tax.
The configuration also covers the ZATCA payment means, shown only for organizations registered for e-invoicing, an option to allow split payment, an option to count the method as cash for session reporting, opening the cash drawer on use, and setting the method as default. Only one method can be the default at a time.
The payment method icon
Every method has an icon picked from a built-in library, shown everywhere the method appears: the settings list, the details screen, payment selection at checkout, and split payment rows. The library includes generic icons for cash, card, bank transfer, wallet, and cheque, plus official marks for mada, visa, mastercard, amex, Apple Pay, Google Pay, Samsung Pay, stc pay, urpay, tamara, and tabby.
Choosing one is optional: as you type the method name, the system suggests the closest icon automatically, and the administrator can keep it or pick another. The icon is a visual element on screen only. It does not appear on printed receipts and has no effect on accounts, fees, or reports.
Payment methods available per user
We added a POS payment methods selection to the user profile, and that selection decides what appears in front of that user at checkout. The existing payment accounts selection stays as it is for the accounting system, and the two are entirely separate. A user must keep at least one active method, so any selection that empties the list is rejected.
Choosing a payment method at checkout
At the payment step the cashier no longer picks an accounting account, but a payment method from the active methods assigned to them. Methods appear in a compact icon-based grid with a short name for each, so all of them are visible at a glance without scrolling, while the invoice context stays on screen.
On confirmation, the method name and identity are stored on the transaction permanently, so past transactions stay correct even if the method is renamed later.
The feature is available now in POS settings. See the details of POS invoicing.