Credit Card Processing

Getting your credit card processing set up and functional involves a few steps, a basic understanding of your credit card reader, and familiarity with running a credit transaction. Here, we’ll take you step by step through setting up credit card processing.

Table of Contents

Set Up In-Store Credit Card Processing

The first step towards accepting credit cards at the register is to select a processor and integrate your processing with ShopKeep.

  • EMV processing is currently only available to ShopKeep Payments merchants using an eligible card reader.
  • If using a free ShopKeep account and you do not have an existing credit card processor, follow the steps here to set up in-store credit card processing.
    1. Pick a credit card processor.

      ShopKeep proudly offers a payment processing solution, ShopKeep Payments. ShopKeep Payments has competitive pricing with no long-term contracts. To learn more, visit shopkeep.com/payments.

      Select eligible merchants may see a landing page directly in their BackOffice.

      Already have ShopKeep Payments? Learn how to read statements, run reports, & calculate your all-in rate here.

    2. Connect your processing with ShopKeep.

      If you have an existing credit card processor, ask a representative from your processor to fill out our ISO boarding form. We’ll process the form, test your credentials, and send you an email when setup is complete. Once you get the email, you’ll need to open a new register shift and run a test transaction.

    Using ShopKeep Payments as your processor? You can skip step 2!

    Set Up Online and Mobile Credit Card Processing

    ShopKeep Business Owners can submit their business and bank account information in ShopKeep Pocket to get approved to process credit payments sales run in ShopKeep Pocket, emailed invoices, and orders placed via a ShopKeep eCommerce webstore.

  • This feature is only available to US ShopKeep merchants on paid pricing packages. To upgrade to a paid account, click ‘Upgrade’ in BackOffice or at the register.
  • Online and mobile payments can be set up from ShopKeep Pocket, as shown below, or from BackOffice. You only need to sign up once using one of these methods. After signup and approval, you will be able to access all methods of online and mobile payment. Additional steps are required to accept credit payments in a ShopKeep eCommerce webstore.
    1. Open the ShopKeep Pocket App and tap ‘+ New Sale’ from the Dashboard.

      Need help downloading, installing, or setting up the ShopKeep Pocket app? Visit our ShopKeep Pocket article.

    2. Enter a sale amount of $0.50 or above, then tap ‘Credit’.
    3. Tap ‘Join Card Payments Program’ after reviewing the payments information.
      • Only the Business Owner can complete this step and the following steps. If you see an error instead of this screen, confirm you are signed in as the Business Owner.
      • If prompted to enter credit card information after tapping ‘Credit’, online payments are already set up for your account. Learn how to run an optional test transaction here if you are signed up.
    4. Follow the prompts to provide business details and the details for the bank account where you want to receive deposits.

      For detailed, step-by-step help with Online Payments setup, visit our Online and Mobile Payments article. Once you begin running transactions, you will receive a weekly email statement summarizing the online and mobile payments processed the previous week.

    5. Follow the steps here to enter the DBA that will appear on customer credit card statements.
      • The DBA, or ‘doing business as’ name, appears on customer credit card statements next to each online and mobile payment charge from your business.
      • By default, the DBA is set to the website entered in the ‘Business Details’ section (see step 4). If you did not enter a website and do not update your DBA, it will default to ‘ShopKeep’.
    6. (Optional) Follow the steps here to enable payments for your ShopKeep eCommerce webstore.
    7. Follow the steps here to run an optional test transaction to confirm the setup was successful.

    Credit Card Readers

    Merchants need an encrypted reader from our online store to process credit cards in the ShopKeep Register app. Here are a few of our supported readers:

  • The Link/2500 connects wirelessly to the iOS ShopKeep Register app via Bluetooth.
  • Accept Apple Pay and EMV at the register with compatible processors.
  • The Link/2500 is only available to merchants processing credit cards with ShopKeep Payments, Chase, or First Data.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Easily process credit, debit (no PIN entry required), and gift cards.
  • Learn how to set up the Link/2500 here.
  • iDynamo

  • The iDynamo connects directly to the charging port of the iPad for plug-and-play functionality.
  • Easily swipe credit, debit (no PIN entry required), and gift cards.
  • Learn how to set up the iDynamo card reader here.
  • Clover Go

  • The Clover Go Bluetooth Credit Card Reader connects wirelessly to the iOS and Android ShopKeep Register apps via Bluetooth.
  • This device is available to eligible ShopKeep merchants using ShopKeep Payments.
  • Accept EMV, Apple Pay, and various contactless payments.
  • Easily process credit and debit cards (without PIN entry).
  • This device has a rechargeable battery that supports multiple hours of use on a full charge.
  • Learn how to set up this Clover device here.
  • Clover Mini

  • The Clover Mini All-in-One Credit Card Reader and Printer bundles a card reader, receipt printer, and customer display into a single device that connects to the iOS ShopKeep Register app over Wi-Fi.
  • This device is available to eligible ShopKeep merchants using ShopKeep Payments.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Accept EMV, Apple Pay, and various contactless payments.
  • Easily process credit and debit cards (no PIN entry required).
  • This device is designed to sit on a countertop and must stay plugged into power.
  • Learn how to set up this Clover device here.
  • Clover Flex

  • The Clover Flex All-in-One Credit Card Reader and Printer bundles a card reader, receipt printer, and customer display into a single device that connects to the iOS ShopKeep Register app over Wi-Fi.
  • This device is available to eligible ShopKeep merchants using ShopKeep Payments.
  • Use the Customer Facing Display so your customers can see what’s being rung up as the cashier checks them out at the register.
  • Accept EMV, Apple Pay, and various contactless payments.
  • Easily process credit and debit cards (no PIN entry required).
  • This device has a rechargeable battery that supports multiple hours of use on a full charge.
  • Learn how to set up this Clover device here.
  • Run an In-Store Test Transaction (Optional)

    After we let you know your in-store processing is set up, run an optional sale to make sure everything works properly. Create an open priced item that can be used to charge any amount, then ring up that item at the register.

    Processing credit cards requires an active internet connection if Offline Credit Payments are not enabled. Have questions about processing credit cards? Visit our Advanced Topics FAQ for help.

    1. Create an open priced item in BackOffice or the ShopKeep Register app.
    2. Ring up $0.01 using the item created above, then tap ‘Credit’.
      Click to Enlarge
    3. Swipe, tap, or insert a card or use Apple Pay.

      Do not use a card issued in your personal or business name as this may result in an error.

    4. If prompted, sign the screen and tap ‘Next’.
    5. Tap 'No Receipt' to finish.

      Funds accumulate in the gateway and batch automatically the next morning.

    6. (Optional) Perform a return to refund the test transaction.

      After running a test transaction, either perform a return at the register to balance out the net sales amount for that day or exclude that day when running sales reports. Transactions run at the register or in ShopKeep Pocket will appear in reporting and cannot be deleted.

    Having problems running cards? Visit our Credit Card Troubleshooting Guide.

    Have some more questions? Check out our Credit Card Processing FAQ.

    Run a Mobile Test Transaction (Optional)

    After setting up online and mobile payments, run an optional test transaction by processing a credit sale in the ShopKeep Pocket app to confirm that setup was successful.

  • A test transaction can be run by processing a credit sale in the ShopKeep Pocket app, as shown below, or by paying for an invoice. You only need to use one of these methods to run a test transaction and confirm that online and mobile payments setup was successful.
  • After running a test transaction, either perform a return at the register to balance out the net sales amount for that day or exclude that day when running sales reports. Transactions run at the register or in ShopKeep Pocket will appear in reporting and cannot be deleted.
 Paid invoices cannot be deleted from BackOffice.
  • Online and mobile payments cannot currently be refunded back to the card used in the original payment via the ShopKeep Pocket or Register apps, BackOffice, or the eCommerce Dashboard. To request a refund for an online or mobile payment, contact paymentssupport@shopkeep.com.
    1. From the Dashboard tab in the ShopKeep Pocket app, tap ‘+ New Sale’.

      Need help downloading, installing, or setting up the ShopKeep Pocket app? Visit our ShopKeep Pocket article.

    2. Enter a sale amount of $0.50 or above, then tap ‘Credit’.

      All credit transactions run in ShopKeep Pocket require a minimum total amount of $0.50.

    3. Enter a card number.

      The credit or debit card used for the test transaction must not be tied to the bank account used to set up online and mobile payments.

    4. Enter the card’s expiration date and CVV number, then tap ‘Done’.

    5. Select a receipt option to finish up.
      a To send an email receipt, tap ‘Email Address’, enter your email address, then tap ‘Email Receipt’.
      b To skip sending a receipt, tap ‘No Receipt’.
    6. Tap ‘Go to Dashboard’ to return to the Dashboard tab.

      Sales reporting will be updated to include the test transaction and Pocket will automatically refresh. Credit sales run in Pocket will be included in your weekly ShopKeep Online & Mobile Card Processing Statement email.

      For detailed, step-by-step help processing online and mobile payments, visit our Online and Mobile Payments Setup article.