> ## Documentation Index
> Fetch the complete documentation index at: https://docs.maple.inc/llms.txt
> Use this file to discover all available pages before exploring further.
# Payment Methods Configuration
> Set up payment processing for orders
Configure how customers pay for orders through Maple. Payment processing is set up during onboarding and can be adjusted from your dashboard.
## Payment flow
When a customer places an order, Maple handles payment based on your configuration:
1. **Order totaled** — The AI confirms the order and calculates the total including tax, delivery fees, and tips
2. **Payment method selected** — The customer chooses to pay now (via link) or pay in store (if available)
3. **Payment processed** — For card payments, the customer receives a secure payment link via SMS
4. **Order submitted** — Once payment is confirmed, the order is sent to your POS
## Payment methods
### Pay by link
The default payment method. After an order is placed, the customer receives an SMS with a secure payment link. The link opens a checkout page where they can pay with:
* Credit or debit cards (Visa, Mastercard, Amex, Discover)
* Apple Pay
* Google Pay
Payment links are sent immediately after the order is confirmed. If the customer doesn't pay, they receive automatic
reminders at 5, 10, and 20 minutes.
### Pay in store
Customers pay at the restaurant when they pick up their order. This option is only available for **pickup orders** — delivery orders always require upfront payment.
Pay in store is not supported by all POS systems. The following POS integrations require payment before order
submission and **do not support pay in store**: Square, Smile, SkyTab, and SpotOn.
| Supports pay-in-store | Does not support pay-in-store |
| ----------------------------------------------------------- | ----------------------------- |
| Toast, Clover, NCR Aloha, NCR Voyix, Quantic, Tray, Chowbus | Square, SkyTab, Smile, SpotOn |
### Auto-convert to pay in store
When enabled, if a customer has not paid via their payment link after all reminders are sent, the order is automatically converted to pay in store. This prevents orders from being lost due to unpaid payment links.
**How it works:**
1. Customer places a pickup order and receives a payment link via SMS
2. Maple sends automatic payment reminders at **5 minutes**, **10 minutes**, and **20 minutes** if the link is unpaid
3. After all reminders are exhausted with no payment, the order converts to pay in store
4. The order is submitted to your POS as an unpaid pickup order
5. The merchant receives an SMS notification explaining that the order was switched to pay in store
Auto-convert only applies to **pickup orders**. Delivery orders always require upfront card payment and are never
auto-converted.
This setting is configured per location in the Maple dashboard under your agent's phone channel settings. It requires that your POS supports pay-in-store orders and that pay in store is enabled as a payment method for pickup.
## Payment providers
Maple uses a payment provider to process card payments. The provider is configured automatically based on your POS integration:
| POS Integration | Payment Provider |
| ---------------------------------------------------------- | ---------------- |
| Smile | Gravity |
| SkyTab | Shift4 |
| SpotOn | CyberSource |
| Toast, Square, Clover, NCR Aloha, NCR Voyix, Tray, Chowbus | Stripe |
Payment processing is included with Maple — no separate merchant account is needed for Stripe-powered integrations.
Smile, SkyTab, and SpotOn use their respective POS payment systems.
## Payment rules by order type
| Order Type | Pay by link | Pay in store | Notes |
| ------------ | ----------- | ----------------- | ----------------------------- |
| **Delivery** | ✅ Required | ❌ | Card payment required upfront |
| **Pickup** | ✅ | ✅ (POS-dependent) | Customer chooses at checkout |
## Configuration options
* **Minimum order amounts** — set per delivery zone or order type
* **Tip suggestions** — customize default tip percentages
* **Service fees** — optional fee added to orders
* **Tax calculation** — handled automatically based on location
## Tips
Maple can suggest and collect tips during the ordering process:
* Tip suggestions are presented to the customer
* Tips are included in the payment link total
* Tip amounts are reported in your dashboard and POS
## Refunds
Refunds are processed through your payment provider:
* Full or partial refunds available
* Refund processing depends on your payment provider
* Refund status is tracked in the Maple dashboard
## Security
* PCI DSS Level 1 compliant
* End-to-end encryption
* Card tokenization (card numbers never stored)
* Fraud prevention and monitoring
Payment processing is included with your Maple plan — no separate merchant account needed for Stripe or Gravity.
## Testing payments
In test mode, use standard test card numbers (e.g., `4242 4242 4242 4242` for Stripe).
Create orders through the voice AI or dashboard and complete payment via the link.
Confirm the paid order appears correctly in your POS system.
Review payment settlements in your Maple dashboard.
## Next Steps
Set up delivery zones and fees
Manage your menu
Return to orders overview
Launch your Maple AI