Taking Payment

Every transaction ends the same way: the customer pays, and you close it out. TORO handles cash, cards, gift cards, tabs, comps, and just about anything else — all from the same Add Payment button. Here's how each one works.

Cash

Tap Add Payment and select Cash. Type in the amount the customer hands you — if they give you a $20 on a $14.73 sale, enter 20. TORO calculates the change instantly, and the drawer pops open. The transaction records the exact sale amount, not what the customer handed over.

Quick tip: if the customer gives you exact change, you can just tap OK without entering an amount. TORO assumes exact payment.

Credit or Debit Card (Customer Present)

Tap Add Payment and select Credit/Debit Retail (this is the card-present option). TORO automatically applies the full remaining balance to the card — you don't need to type in the amount unless you're splitting payment.

The customer inserts, taps, or swipes on your card terminal. Wait for processor approval (usually a few seconds), and you're done. TORO records the last 4 digits of the card, the authorization code, and a reference number for your records.

Card Not Present (Phone or Online Orders)

For phone orders or any situation where the physical card isn't in front of you, select Credit/Debit Card Not Present. Process the card on your phone terminal or separate device, then enter the last 4 digits of the card into TORO.

This gets recorded as a card-not-present transaction, which matters for your processing records and chargeback tracking.

Card on File

If a customer has a card saved with your payment processor, select one of the Card on File buttons — Card on File [Retail] when they're standing in front of you, or Card on File [Card Not Present] for a phone order. The customer must already be attached to the transaction for this to work — TORO needs to know whose cards to pull up.

TORO retrieves their saved cards directly from the processor and filters out anything expired. If they have multiple cards on file, you'll pick which one to charge.

Gift Card

Select Gift Card and swipe the card. TORO checks the balance immediately. If the gift card covers the full amount, you're done. If the balance falls short, TORO applies whatever's available and updates the amount due — you'll just add another payment method for the remainder.

Account Hold (Tab)

Want to put it on the customer's tab? Select Account (this puts the balance on hold against their account). The customer must be attached to the transaction, and the hold must be for the full amount — TORO doesn't allow partial account holds.

This is great for lounge regulars who settle up at the end of the week or month. The charge shows up on their account balance until they pay it off.

Employee Comp

Select Employee Complimentary when an employee is using their comp benefit. TORO will ask for a reason (required), and the comp counts against that employee's daily allowance limit. Sales tax is automatically removed from comped items.

Store Comp

Store Complimentary works similarly but without a dollar limit — it's for when the store is covering the cost (a customer complaint, a promotion, a VIP perk). A reason is still required, and sales tax is removed.

Other Payment Methods (Zelle, Check, PayPal, Venmo, Cash App)

These share one button, labeled with the methods it covers: Swipe Simple / Zelle / Check / PayPal / Venmo / Cash App / Other. Tap it, then pick the type from the dropdown. Enter a reference number (or check number, transaction ID, etc.) and any notes you want attached. This keeps your books accurate even when payment happens outside your card terminal.

For Check, PayPal, Venmo and Zelle the reference is required — TORO won't let the payment through without it. The other types accept one but don't insist.

The reference prints on the receipt. A check shows as Check #1234 right next to the amount, a Venmo payment as Venmo @jsmith, a Zelle payment as Zelle-jsmith, and PayPal shows its transaction ID. It appears on the customer's copy, your copy, and the emailed and PDF receipts, so reconciling a stack of checks against the day's takings doesn't mean opening each sale to find the number.

Splitting Payment Across Methods

Customers sometimes want to split — $20 cash and the rest on a card, or part gift card and part credit. TORO makes this straightforward.

1. Tap Add Payment, pick the first method, and enter the partial amount
2. Tap OK — the amount due updates to show what's left
3. Tap Add Payment again, pick the next method
4. Repeat until the amount due hits $0.00

You can split across as many methods as you need. Two, three, four — TORO doesn't care. It just needs the total covered.

The Payment Screen and the Split Calculator

The payment screen shows all the methods as big touch-friendly tiles — Cash, Credit/Debit Retail, Gift Card, Account, Card on File, Employee Complimentary, Store Complimentary, and the Other-methods button — right alongside the number pad, all on one screen. You don't move to a separate chooser; you just tap the tile you want.

There's also a Split Payment Calculator button on that same screen if a customer wants to divide the total across multiple methods with specific amounts.

The flow is always the same: tap the method, enter the amount (or let TORO apply the full balance), and complete the transaction. It's quick once it's in your fingers, even dozens of times a day.

Tips

If your store has tips enabled, customers can add a tip during credit card processing. The tip amount gets recorded with the transaction and shows up in your tip reports.