Who is this for?
StoreHub merchants who are using or evaluating StoreHub Pay — the in-house card payment service paired with the AMS1 terminal.
Overview
StoreHub Pay lets you accept card payments through a dedicated payment terminal that is connected to your StoreHub POS. This article explains what StoreHub Pay is, what the AMS1 terminal does, how a payment moves from your customer's card to your bank account, and where to manage everything.
If you are setting up your terminal for the first time, see 'How to Set Up the AMS1 Terminal and Docking Station'.
If you want to start taking payments straight away, see 'How to Make a Payment with the AMS1 Terminal'.
What is StoreHub Pay?
StoreHub Pay is StoreHub's own card payment service. It is certified by Adyen, a regulated international payment processor, and lets your store accept:
Visa and Mastercard — credit, debit & prepaid card
Contactless payments (tap-to-pay)
Chip and PIN payments
Magnetic stripe (swipe) payments
Because StoreHub Pay is built into your StoreHub POS, you do not need a separate terminal account, separate reports, or a separate login. Sales, refunds, and payouts all appear inside the StoreHub tools you already use.
What is the AMS1 Terminal?
The AMS1 is a small, handheld payment terminal that sits on a dock next to your POS register. Your customer taps, inserts, or swipes their card directly on the AMS1.
Each AMS1 ships with:
The terminal itself, with a built-in screen and card reader
A docking station that holds and charges the terminal
A built-in eSIM, so the terminal can connect to 4G
The terminal is configured by StoreHub before it is shipped to you. You do not need to set up any payment account on the device — you only need to connect it to WiFi and sync your POS register.
How a Payment Works
Every card payment through StoreHub Pay follows the same flow.
1. Your cashier creates the order on the StoreHub POS as normal and selects 'StoreHub Pay' as the payment method.
2. The AMS1 terminal lights up and shows the amount, with the message 'Tap, insert, or swipe card'.
3. Your customer taps, inserts, or swipes their card. For chip cards, they enter their PIN if asked.
4. The terminal sends the payment to the card network for approval. This usually takes a few seconds.
5. The result appears on both the terminal and the POS:
'Approved' — the receipt prints automatically from your POS receipt printer.
'Declined' — the POS shows the reason. You can offer to retry or use another payment method.
6. The sale is recorded in your StoreHub POS, alongside cash and other payment methods.
How You Get Your Money
Card payments do not arrive in your bank account immediately. Instead, StoreHub batches all your card sales and transfers them to your bank.
Batch frequency: payouts are batched once per day.
Arrival time: funds are released to your bank account within a few business days of the transaction. The exact timing depends on your bank's processing schedule and any public holidays. The arrival date for each payout is shown in your payout summary in BackOffice.
Per bank account: if you have more than one bank account registered, each account receives its own payout.
Fees: the Merchant Discount Rate (MDR) is deducted from each transaction. Refunds and adjustments also reduce the payout. The full breakdown is shown in the Merchant Portal.
You can view every payout, see which transactions are in each batch, and download CSV reports for your accounting from the Merchant Portal.
Where to Manage StoreHub Pay
You will use 3 different tools, each for a different job.
Tool | What you do here |
StoreHub BackOffice | Set up the StoreHub Pay payment option, choose which registers can use it, and link your AMS1 terminal. |
StoreHub POS | Take payments, void same-day transactions, and view the day's transaction list. |
Merchant Portal (merchant.storehubpay.com) | Review every card transaction and payout, see fee breakdowns, and download CSV reports. |
Troubleshooting
Issue | Solution |
The terminal screen is blank | The battery may be flat. Place the terminal on the dock and let it charge for a few minutes. |
The terminal cannot reach the internet | Check your store WiFi. If WiFi is down, the terminal will switch to its built-in 4G eSIM automatically — no action is needed from you. |
FAQs
1. Do I need a separate merchant account to use StoreHub Pay?
No. StoreHub Pay uses the same StoreHub account you already have. There is no separate sign-up or separate login.
2. What cards can I accept?
Visa and Mastercard credit and debit cards, plus Apple Pay, Google Pay, and Samsung Pay.
3. When does the money arrive in my bank?
Funds are released to your bank account within a few business days of the transaction. Payouts are processed once a day, and the exact arrival date depends on your bank and any public holidays. Check your payout summary in BackOffice to see when each payout will arrive.
4. Why is my payout smaller than my total card sales?
The Merchant Discount Rate (MDR) is deducted from each transaction. Refunds and adjustments also reduce the payout. Open the payout detail in the Merchant Portal to see the full breakdown.
5. Can my staff log in to the Merchant Portal?
Not yet. For now, only the account owner can log in. Manager and accountant access is planned for a future release.
Need Help?
Contact StoreHub Support via live chat in your StoreHub app or email [email protected].