--- title: "Credit Cards - Implementation Guide" canonical: "https://kb.myframeworks.com.au/space/FRAM/28401676/Credit%20Cards%20-%20Implementation%20Guide" format: markdown --- The **Credit Cards** screen controls which credit card types are available for use across Frameworks, including common networks such as Visa, Mastercard, American Express and EFTPOS. This guide walks you through creating a credit card type, assigning branch clearing accounts, configuring transaction fees and maintaining those fees and card types over time. Configuring a credit card type correctly determines which cards display at the tendering screen, where transaction fees post in the General Ledger and whether the card type is available for manual selection with non-integrated EFTPOS devices at Point of Sale. > 📝 **Who performs this:** System Administrator > 📝 > 📝 **Prerequisites:** > 📝 > 📝 - System Administrator access to **System Administration > System Setup > Tendering > Credit Cards**. > 📝 - GL account codes for each branch's credit card clearing account. > 📝 - A **Product Group** configured to receive fee postings, if you intend to apply Account Payment or Sale fees. > ⚠️ **Important:** Credit card type configuration is not feature-driven. No licence or feature code is required to access the **Credit Cards** screen. ## Implementation Sequence This guide walks you through the complete implementation in the correct order: 1. [Create a Credit Card Type](#Create-a-Credit-Card-Type) 2. [Assign Branch Clearing Accounts](#Assign-Branch-Clearing-Accounts) 3. [Maintain or Remove Credit Card Fees](#Maintain-or-Remove-Credit-Card-Fees) 4. [Edit or Delete a Credit Card Type](#Edit-or-Delete-a-Credit-Card-Type) --- ## Create a Credit Card Type A credit card type record identifies a card network, such as Visa, Mastercard, American Express or EFTPOS, within Frameworks. Description, offline behaviour and fee details are all configured as part of creating the record, before the first save. ### Configuration Steps 1. Click the **Frameworks Menu** and navigate to **System Administration > System Setup > Tendering > Credit Cards**. 2. Click **New**. 3. In the **Card Type** field, enter a code to identify the card network (for example, **VIS** for Visa or **AMEX** for American Express). This code is referenced by the **[PosDefEft](https://sterlandsupport.atlassian.net/wiki/spaces/FRAM/pages/28391162/Point+of+Sale+Related+System+Settings#PosDefEft)** system setting, which lets you set a default card type for Quick Tendering at POS so staff can skip selecting a card type manually. 4. In the **Card Description** field, enter a description for the card (for example, "Visa" or "Amex"). This description displays on the **Credit Card** and **EFTPOS Payment** screens when tendering a payment. 5. Enable the **Offline** checkbox if the card type supports offline processing, meaning transactions that don't require real-time authorisation from the card processor. 6. In the **Acct Payment Fee %** field, enter the percentage fee to apply to Account Sales paid using this credit card type. 7. In the **Sale Fee %** field, enter the percentage fee to apply to Cash Sales paid using this credit card type. 8. In the **Product Group For Fee** field, enter the product group code, or click **Search** to find the required product group. This determines where the fee posts in the General Ledger. Refer to [Product Group Maintenance](https://sterlandsupport.atlassian.net/wiki/spaces/FRAM/pages/28405034) for information on configuring the fee GL account against a product group. 9. Click **Save**. ### Result The new credit card type displays in the list on the left of the **Credit Cards** screen. Saving the record also activates the **Branch** grid, making it available to assign clearing accounts against. The **Card Type** and **Card Description** fields are mandatory; **Offline**, fee and product group fields can be left blank if not required. > ⚠️ ### Important Notes > ⚠️ > ⚠️ Leave **Acct Payment Fee %** or **Sale Fee %** blank or at **0** if no fee applies to that transaction type. A **Product Group For Fee** is only required if either fee field contains a value and the product group used for **Product Group For Fee** must have **Is Non Balanced Stock Group** enabled in Product Group Maintenance. Select the newly created card type from the list to continue with Assign Branch Clearing Accounts. --- ## Assign Branch Clearing Accounts The clearing account determines which General Ledger account a branch's credit card transactions post to before settlement. This grid becomes available once a credit card type has been saved. Configure a clearing account for each branch that processes the card type. ### Configuration Steps 1. With the credit card type selected, review the **Branch** grid. All branches are added automatically once the credit card type is saved. 2. Click the **Clearing Account** field for a branch. 3. Enter the GL account code, or click the search icon to find for the required account. 4. Repeat for each branch requiring a clearing account. 5. Click **Save**. ### Result Credit card transactions processed at each branch now post to the clearing account configured for that branch, ready for reconciliation. > ⚠️ ### Important Notes > ⚠️ > ⚠️ A **Clearing Account** value of **0** indicates no clearing account has been configured for that branch. Configure a clearing account for every branch that will process the card type to ensure transactions post correctly. --- ## Maintain or Remove Credit Card Fees Review and update credit card and EFTPOS fees as your fee arrangements change. Removing a fee stops it applying to future transactions; it does not affect fees already applied to completed sales. ### Configuration Steps 1. Click the **Frameworks Menu** and navigate to **System Administration > System Setup > Tendering > Credit Cards**. 2. Enter a **Card Type** or **Card Description**, or leave both blank and click **Find** to display all credit card types. 3. Select the required card type via the blue hyperlink. 4. To change a fee, enter the new percentage in the **Acct Payment Fee %** or **Sale Fee %** field. 5. To remove a fee, clear the existing percentage from the **Acct Payment Fee %** or **Sale Fee %** field so it reads **0**. 6. Click **Save**. ### Result The updated or removed fee applies immediately to transactions processed after the change. Fees already applied to completed sales are not adjusted retrospectively. > ⚠️ ### Important Notes > ⚠️ > ⚠️ Removing a fee does not delete the credit card type. The **Product Group For Fee** field can be left as configured or cleared, as it only takes effect when a fee percentage is present. --- ## Edit or Delete a Credit Card Type Update an existing credit card type's details, or remove a credit card type that is no longer required. The **Card Type** code itself cannot be changed once saved; only its description, offline setting, fees, product group and branch clearing accounts can be updated. ### Configuration Steps **To edit an existing credit card type's details:** 1. Click the **Frameworks Menu** and navigate to **System Administration > System Setup > Tendering > Credit Cards**. 2. Click **Find** to display the list of credit card types. 3. Select the required **Card Type** via the blue hyperlink. 4. Update the **Card Description**, **Offline** checkbox, **Acct Payment Fee %**, **Sale Fee %** or **Product Group For Fee** fields as required. 5. Update the **Clearing Account** field for any branch in the **Branch** grid as required. 6. Click **Save**. **To delete a credit card type:** 1. Click the **Frameworks Menu** and navigate to **System Administration > System Setup > Tendering > Credit Cards**. 2. Highlight the required credit card type in the list. 3. Click **Delete**. ### Result Edited details apply immediately to future transactions using that card type. Deleting a card type removes it from selection at the tendering screen. > ⚠️ ### Important Notes > ⚠️ > ⚠️ The **Card Type** code cannot be changed once saved. To use a different code, delete the existing credit card type and create a new one. Deleting a credit card type does not affect historical transactions already processed using that card type. > ✅ ## Related Information > ✅ > ✅ - Refer to the [tendering documentation](https://sterlandsupport.atlassian.net/wiki/spaces/fwksproau/pages/30507082) for selecting a credit card type and applying fees at the tendering screen during a sale.