Payment Processing & Point of Sale

SunMule provides a comprehensive payment and point of sale solution combining secure payment processing through USIO integration with an intuitive POS interface. Our system supports all modern payment methods including contactless payments, automated EFT billing for memberships, and sophisticated transaction management.

Point of Sale Interface

POS Overview

Transaction Types:

Service Sales - Individual sessions, packages, and membership enrollments
Product Sales - Tanning lotions, accessories, gift cards, and retail merchandise
Payment Processing - Credit/debit cards, mobile payments, cash, and gift cards
Account Management - Membership billing and account credits

POS Interface Features:

Frequently used services and products quick access
Customer search and selection by name, phone, or email
Barcode scanning capabilities for retail products
Price lookup, modification, and discount application
Real-time tax calculation and inventory integration

Integrated System

The POS system is fully integrated with customer management, inventory tracking, and financial reporting for seamless operations.

Processing Transactions

Starting a Sale:

Customer Selection - Search existing customers or create new accounts
Adding Items - Select services, scan products, apply packages or membership pricing
Review & Adjust - Verify quantities, apply discounts, calculate taxes
Payment Processing - Accept payment through various methods
Transaction Completion - Print/email receipts, update accounts, book follow-up services

Payment Methods & Terminal Integration

Modern Payment Terminals

SunMule integrates with Dejavoo payment terminals to provide the most advanced payment processing capabilities available.

Accepted Payment Types:

Credit/Debit Cards - Chip, swipe, and contactless payments
Mobile Payments - Apple Pay, Samsung Pay, Google Pay
Digital Wallets - All major contactless payment methods
Traditional Payments - Cash with automatic change calculation
Gift Cards - Balance verification and redemption
Account Credit - Membership balance usage
Split Payments - Multiple payment method combinations

Terminal Features:

Contactless Technology - Tap-to-pay for faster transactions
EMV Chip Support - Enhanced security for card payments
NFC Enabled - Works with all smartphone payment apps
Receipt Options - Print, email, or SMS receipt delivery
Multi-Language Support - Customer-facing display options

Credit Cards

Supported Cards: Visa, Mastercard, American Express, Discover
Processing: Real-time authorization and settlement
Security: PCI-compliant tokenization for stored payment methods
Terminal Integration: Compatible with USIO-certified terminals for in-person transactions

ACH/Bank Transfers

Account Types: Checking and Savings accounts
Verification: Micro-deposit verification for new accounts
Processing Time: 1-3 business days for settlement
NSF Handling: Automated retry logic with customizable fee structure

Stored Payment Methods

Token Storage: Secure tokenization through USIO
Customer Management: Customers can add, edit, and delete payment methods
Default Methods: Automatic selection of preferred payment method
Expiration Tracking: Automated notifications for expiring cards

USIO Integration

SunMule exclusively uses USIO for all payment processing, providing:

Real-time Processing: Instant authorization and settlement
Fraud Protection: Advanced fraud detection and prevention
Reporting: Detailed transaction reporting and analytics
Compliance: Full PCI DSS compliance and data security
Multiple Channels: Support for online, mobile, and terminal transactions

Transaction Types

Sale: Standard payment processing for services and products
Authorization Only: Pre-authorization for future capture
Refunds: Full and partial refund capabilities
Void: Transaction cancellation before settlement

Payment Security:

PCI compliant credit card processing with Dejavoo terminals
End-to-end encryption for all payment data
Tokenization for secure customer data handling
Real-time fraud detection and monitoring
Secure cloud-based payment processing

Discounts and Promotions

Discount Types

Percentage Discounts:

Staff discretionary discounts
Promotional percentage off
Member-specific discount rates
Bulk purchase discounts

Fixed Amount Discounts:

Dollar amount off specific items
New customer promotions
Loyalty program rewards
Referral incentives

Promotional Management

Active Promotions:

Current promotional offers
Automatic discount application
Promo code entry and validation
Membership tier discounts

Manual Adjustments:

Manager override discounts
Customer service adjustments
Price matching accommodations
Special circumstance pricing

Gift Cards and Loyalty

Gift Card Management

Gift Card Sales:

Custom amount gift cards
Predetermined value cards
Digital and physical gift cards
Special occasion packaging options

Gift Card Redemption:

Instant balance verification
Partial and full redemption
Balance transfer capabilities
Expiration date management

Loyalty Program Integration

Points Earning:

Service-based point accumulation
Product purchase rewards
Referral bonus points
Special promotion multipliers

Rewards Redemption:

Point-based discounts
Free service upgrades
Exclusive member benefits
Birthday and anniversary rewards

EFT Auto-Payments for Memberships

Automated Billing

SunMule automatically processes membership fees through Electronic Funds Transfer (EFT):

Monthly Processing: Automatic billing on designated day each month
Prorated Billing: Smart proration for mid-month plan changes
Multi-Plan Support: Handle multiple membership types with different billing cycles
Payment Method Priority: Automatic fallback to secondary payment methods

Billing Configuration

Billing Date: Configurable monthly billing day (1st-28th of month)
Retry Schedule: Customizable retry attempts for failed payments
Grace Periods: Configurable grace periods before service suspension
Late Fees: Automated late fee assessment for failed payments

EFT Distribution Models

SunMule supports multiple EFT distribution models for multi-location businesses:

Company Model

Single bank account receives all membership fees
Centralized financial management
Simplified reconciliation

Home Salon Model

Membership fees go to customer's nearest/home salon
Geographic distribution based on customer address
Localized revenue tracking

Split Commission Model

Membership fees split between salons based on usage
Proportional distribution based on customer activity
Detailed usage tracking and reporting

Failure Reporting and Retry Mechanisms

Payment Failure Handling

When EFT auto-payments fail, SunMule implements a comprehensive recovery system:

Immediate Response

Real-time Notification: Instant alerts to administrators and customers
Payment Method Validation: Automatic check for expired or invalid payment methods
Alternative Methods: Automatic retry with backup payment methods

Retry Schedule

Day 1: Initial retry attempt 24 hours after failure
Day 3: Second retry attempt with exponential backoff
Day 7: Final automated retry attempt
Manual Intervention: Administrative review after final retry failure

Failure Reporting

Comprehensive reporting keeps you informed of all payment issues:

Customer Notifications

Email Alerts: Automatic email notifications for failed payments
SMS Options: Optional SMS notifications for critical payment failures
Account Notices: In-app notifications when customers log in
Update Prompts: Direct links to update payment information

Administrative Reports

Daily Summaries: Morning reports of previous day's failed payments
Weekly Analysis: Trend analysis and failure pattern identification
Monthly Reviews: Comprehensive billing performance reports
Real-time Dashboard: Live view of payment processing status

Recovery Actions

Automatic Recovery

Payment Method Refresh: Automatic attempt to refresh expired card information
Account Verification: Re-verification of bank account information
Smart Routing: Automatic routing to most reliable payment method

Manual Recovery

Customer Outreach: Automated customer contact workflows
Payment Plans: Flexible payment plan options for large balances
Service Suspension: Graceful service suspension with clear recovery paths
Account Management: Tools for staff to assist with payment recovery

Security and Compliance

Data Protection

Tokenization: All payment data stored as secure tokens
Encryption: End-to-end encryption for all payment communications
Access Controls: Role-based access to payment information
Audit Trails: Complete logging of all payment activities

Compliance Standards

PCI DSS: Full Payment Card Industry compliance
SOX Compliance: Financial reporting and audit controls
Data Privacy: GDPR and CCPA compliance for customer data
Banking Regulations: Full compliance with ACH and banking regulations

Fraud Prevention

Velocity Checking: Real-time transaction velocity monitoring
Pattern Recognition: AI-powered fraud pattern detection
Manual Review: Tools for manual transaction review when needed
Blacklist Management: Comprehensive blocked customer and card management

Payment Analytics

Transaction Reporting

Real-time Processing: Live transaction status and reporting
Settlement Reports: Daily settlement summaries and details
Failure Analysis: Detailed analysis of payment failures and trends
Revenue Tracking: Comprehensive revenue tracking across all payment methods

Business Intelligence

Payment Trends: Analysis of payment method preferences and trends
Customer Behavior: Insights into customer payment patterns
Seasonal Analysis: Seasonal payment and billing pattern analysis
Performance Metrics: Key performance indicators for payment processing

Financial Management

Cash Flow Tracking: Real-time cash flow analysis and forecasting
Reconciliation Tools: Automated bank reconciliation features
Tax Reporting: Automated tax reporting and compliance features
Multi-Location Analysis: Comparative analysis across multiple salon locations

For technical questions about payment processing or USIO integration, contact our support team through the Getting Help section.