Business Paymentz by Sky

In-Person payments are the most typical kind of payment when you think of accepting a payment. A person standing at a checkout counter and swiping your card. In-Person Payments are most often captured via cash or utilizing a POS System paired with a card swipe to process the customer’s physical credit card. Whether using a POS terminal, tablet or personal computer - Sky has multiple hardware options to fit the shape of your business.

Sky Systemz has multiple options to capture payments online from our integrated online store. If you have your own store, we can integrate! If you are starting from the ground up - Pro Servicez by Sky can build a website and online store for you. Our online store allows customers to easily add products, or services, with the simple press of a button.

Sky’s Operationz Suite features multiple bolt-on technologies that allow you to capture payments remotely. These methods are typically via sending an invoice, setting up a recurring payment or subscription service, or sending a request for payment. These delivery methods obtain payment from a link sent to the customer via email or text.

Manual payments occur typically over the phone. Customer calls in to pay their bill, verbally tells you their card number, and you manually key it into your Sky POS System, Web POS or quick entry with the Keyboard POS. You can use this same functionality to card on file and recurring payments.

This is primarily the In-Person processing method, and offers a lower processing rate 2.45% + 10¢ per transaction, because the card is physically in your presence. Payments using the Sky Systemz mobile application, Terminal application, or Web point of sale by swipe (magstripe cards) or dip (EMV chip cards), and Apple or Google Pay are considered card-present transactions.

This type of payment is used when utilizing Online, Remote or Manual Payments, and has a slightly higher processing rate of 3.2% + 15¢ per transaction. This applies when taking payments by invoice, over-the-phone, manually entering card numbers on the Sky app, in the Sky online store, or in subscriptions and card-on-file payments.

This can be a tricky subject to understand in the payment world. Two tasks need to happen to complete a transaction, the authorization and the capture. Authorization is a process that confirms that a customer has sufficient funds on their card to cover the charge amount. You may remember seeing ‘pending’ items in your online banking. That’s because these transactions are authorized and the money is earmarked for removal from your account. Capture is the manual process that removes the pending status and withdraws the money from your account. Thus, Authorize & Capture means that the authorization and capture of funds happen simultaneously, meaning that you do not have to remember to manually capture a pending transaction.

Most commonly used in the restaurant or professional services industries, tips are a way to capture additional payment for your worker who relies on tipping as a part of their income. Tips occur after a transaction is authorized. The transaction is then suspended in the system until the customer enters a tip amount and signs the receipt. After the tip is entered into the POS System, the amount is re-authorized and captured. Tips are stored and managed in the Sky Dashboard allowing management to know how much to pay out in tips at the end of the evening.