Accepting Credit Cards

Learn how to accept credit and debit cards with your ShopKeep register and card reader. In addition to EMV chip card transactions, this article covers how to process swiped cards, accept Apple Pay payments, and manually enter card information.

  • Need help setting up credit card processing? Learn how to get started here.
  • Accepting credit cards requires an active internet connection if Offline Payments are not enabled.
  • Debit cards are processed in ShopKeep as credit transactions.

    • Table of Contents

    EMV Chip Cards

    Insert chip cards into compatible credit card readers to authenticate EMV chip card transactions.

    EMV is currently available to merchants who process credit cards with ShopKeep Payments and use an eligible EMV reader.

    Please read our FAQ for more information on ShopKeep and EMV.

    Using the Clover Mini or Clover Flex All-in-One Credit Card Reader and Printer? Visit Using the Clover Mini to learn how to process EMV chip cards.

    1. In ShopKeep, ring up a sale and tap ‘Credit’.
      Click to Enlarge
    2. If prompted, the customer selects a gratuity option or ‘No Tip’.
      Click to Enlarge
      If your customers sign and tip on paper receipt, enter gratuity after charging the card and collecting the signed receipt. Learn how to change tip and signature settings, pay out tips to staff, request tip adjustments, and view gratuity reporting here.
    3. The customer confirms the amount, then taps 'Charge'.
      Click to Enlarge
    4. If prompted, the customer either taps ‘Yes’ to confirm the gratuity amount or ‘Re-enter Gratuity’ to enter a different amount.

      This warning appears when the gratuity entered is more than 50% of the sale total.

      Click to Enlarge
    5. The customer inserts their card, chip-end first, into the card reader.
      Click to Enlarge
    6. The customer follows the instructions on the screen of the card reader or register, removing their card when prompted.
    7. If prompted, the customer signs the screen and taps ‘Next’.
    8. Select a receipt option and tap ‘Done’ or tap 'No Receipt'.

    9. Tap 'Done' to finish the transaction.
      Click to Enlarge

    Swiped Cards

    Process credit and debit card transactions using the magnetic strip on the back of the card.

    Using the Clover Mini or Clover Flex All-in-One Credit Card Reader and Printer? Visit Using the Clover Mini to learn how to process swiped credit cards.

    1. In ShopKeep, ring up a sale and tap ‘Credit’.
      Click to Enlarge
    2. Swipe the card through the card reader as shown below.
      Click to Enlarge
    3. If prompted, have the customer select a gratuity option and sign the screen.

      If your customers sign and tip on paper receipts, the cashier enters the gratuity from the signed receipt or selects ‘Adjust Tip Later’.

      Click to Enlarge
      Learn how to change tip and signature settings, pay out tips to staff, request tip adjustments, and view gratuity reporting here.
    4. Tap 'Charge' to confirm the sale total.
      Click to Enlarge
    5. If prompted, tap ‘Yes’ to confirm the gratuity amount or ‘Re-enter Gratuity’ to have the customer enter a different amount.

      This warning appears when the gratuity entered is more than 50% of the sale total.

      Click to Enlarge
    6. Select a receipt option and tap ‘Done’ or tap 'No Receipt'.

    7. Tap 'Done' to finish the transaction.
      Click to Enlarge

    If you run into issues, visit a credit card reader troubleshooting guide.

    Apple Pay

    Use Apple Pay to quickly and securely check out your customers.

    Using the Clover Mini or Clover Flex All-in-One Credit Card Reader and Printer? Visit Using the Clover Mini to learn how to process contactless payments.

    1. In ShopKeep, ring up a sale and tap ‘Credit’.
      Click to Enlarge
    2. The customer prepares their Apple Pay device for payment.

      For help with this step, visit Apple Support.

    3. The customer holds their device within 1" of the credit card reader.
      Click to Enlarge
    4. The customer waits for a vibration, checkmark, and beep on their device to confirm the payment
    5. Complete the rest of the sale as usual.

    Manual Card Entry

    Manual Entry allows you to enter card information to process a credit or debit card without inserting or swiping it.

    Using the QuickBooks All-in-One Bluetooth Credit Card Reader? Visit our setup guide to learn how to manually enter credit cards.

    1. Ring up a sale and tap ‘Credit’.
    2. Select 'Manual Card Entry'.
      Click to Enlarge
    3. Enter the card details and tap 'Continue'.

      Using the Clover All-in-One Credit Card Reader and Printer? Customers enter their card information on the screen of the Clover device.

      Click to Enlarge
    4. Complete the rest of the transaction as usual.

    Already set up but running into issues? Visit a troubleshooting guide for solutions to common problems!
    Still have questions about accepting credit cards? Check out our FAQ!

    • Help us improve ShopKeep Support. Was this article helpful?
    • YES   NO