Who is this for?
StoreHub merchants who are using or evaluating StoreHub Pay — the in-house card payment service paired with the StoreHub Pay 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 StoreHub Pay 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 StoreHub Pay Terminal and Docking Station'.
If you want to start taking payments straight away, see 'How to Make a Payment with the StoreHub Pay Terminal'.
What is StoreHub Pay?
StoreHub Pay is StoreHub's own card payment service. It is certified 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's next: we're working on adding DuitNow QR, e-wallet apps and online payments. Today your customers can pay with any Visa or Mastercard card, including wallet cards like Touch 'n Go, or tap with Apple Pay, Google Pay or Samsung Pay.
What is the StoreHub Pay Terminal?
The StoreHub Pay terminal is a small, handheld device that sits on a dock next to your POS register. Your customer taps, inserts, or swipes their card directly on the StoreHub Pay terminal.
Each StoreHub Pay terminal 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 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. The daily batch and MDR details on this page are for card payments on the StoreHub Pay terminal only. For online orders (Beep Delivery, QR Order & Pay, Online Store), see 'How to Receive Your Payouts'.
Batch frequency: payouts are batched once per day.
Payout day: your card sales are paid out 2 days after the sale date. If that day is a weekend or a public holiday, the payout moves to the next working day, so Thursday, Friday and Saturday sales are all paid out on Monday. You can see the date of each payout on the 'Payouts' page of the Merchant Portal, and when the money shows in your account depends on your bank.
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 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
The table below covers common problems with the StoreHub Pay terminal and card payments.
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. |
The card is declined | The POS shows the reason, and the customer is not charged. If the same card is declined again, ask the customer for another card or another payment method, because repeated declines usually come from the card's bank, not the terminal. |
The payment is stuck or the POS shows no response | Do not charge the customer again yet. First check the result in the terminal's 'Transaction History' or in the Merchant Portal, because the POS can show a timeout even when the payment went through, and charging again before you check can charge the customer twice. See 'How to Make a Payment with the StoreHub Pay Terminal' for what to do with each result. |
The terminal does not respond when the POS sends a payment | Make sure the terminal is switched on, showing its idle screen, and not in use by another cashier, because a busy terminal makes your payment time out with an error. Then tap 'Cancel' on the POS and start the payment again. |
FAQs
1. Do I use the same BackOffice to see reports (daily sales, transaction history, refund history, etc.)?
No. Detailed card reports live in the StoreHub Pay Merchant Portal (merchant.storehubpay.com), not in BackOffice. Log in there to view daily reports, transaction history, refund history, payouts, and more.
2. 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.
3. What cards can I accept?
Visa and Mastercard credit and debit cards, plus Apple Pay, Google Pay, and Samsung Pay.
4. When does the money arrive in my bank?
Your card sales are paid out 2 days after the sale date, or on the next working day if that day is a weekend or public holiday. When the money shows in your account depends on your bank. Check the 'Payouts' page in the Merchant Portal for the date of each payout.
5. 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.
6. 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.
7. How are chargebacks handled?
StoreHub handles chargebacks on your behalf. In some cases, we may reach out to request supporting documents to help resolve the dispute.
Need Help?
Contact StoreHub Support via live chat in your StoreHub app or email [email protected].