RyftPay (Ryft) takes card payments online and, with Ryft card machines, in store. The platform has a Ryft main account; each restaurant can have a sub-account under it.
- With a sub-account, the payment is made on the restaurant's sub-account and Ryft moves the platform's fee to the main account.
- Without one, the payment is made on the main account and the restaurant is paid out from there on its statement.
Setting it up#
- In Company View, open Finance → Payment Integration and click + on the Ryft card.
- Fill in the fields below and click Save.
- In Location View, open Finance → Payment Methods, add or edit the Card payment method, choose this integration and enter the restaurant's Sub Account ID if it has one.
| Field | What it is |
|---|---|
| Identifier Name | Your own name for the integration. |
| Public Key / Secret Key | The Ryft main account's keys. The secret key is hidden; click the eye icon to show it. |
| Environment | SANDBOX for testing with no real money, PRODUCTION for live payments. It must match the keys. |
| Auto Settle Payments | On: the card is charged when the customer pays. Off: the amount is reserved and charged when the order is accepted. |
| Currency | The currency payments are taken in. |
| Apple Pay / Google Pay | Offer these wallets at checkout. |
| iOS Merchant ID | The Apple Pay merchant ID used by the iOS ordering app. |
| In-person payments (card machines) | Lets kiosks and tills take payments on Ryft card machines. Turn on Ryft In-Person for the account first. |
| In-person card fee (%) / In-person fixed card fee | The platform's fee on card machine payments — the only fee there: no commission, service, delivery or other online fees apply in store. |
| Percentage Card Fee / Fixed Card Fee | Added to the platform fee on online payments, to pass on card costs. Shown to super admins and reseller admins. |
| Subtract Delivery Fee, Subtract Driver Tip, Subtract Service Fee, Subtract Tip | When on, that whole amount goes to the platform as part of its fee. |
| Percentage Commission Fee / Commission Fee Rule | The platform's commission and what it is charged on, as for Stripe Connect. |
| Fixed Application Fee Amount | A fixed amount added to the platform fee on every payment. |
The platform fee#
For an online payment on a sub-account, the platform fee is the sum of:
- Percentage Commission Fee × what the Commission Fee Rule covers (Total is the whole amount the customer pays);
- Percentage Card Fee × the whole amount the customer pays, plus the Fixed Card Fee;
- each amount whose Subtract … switch is on;
- the Fixed Application Fee Amount.
A payment on the main account (no sub-account) carries no platform fee: the platform's earnings are settled on the restaurant's statement instead. Card machine payments carry only the in-person card fee.
Refunds#
Refunds are made from Orders, with the refund button on the order. Only the main account can refund on Ryft, so OrderTiger makes the refund for the restaurant.
- On a sub-account, the whole refund comes out of the restaurant's sub-account, and the platform keeps its fee.
- On the main account, the refund comes out of the main account and is taken off the restaurant's earnings on its invoice.
- For a Portal company's orders the refund form asks Is the merchant liable for this refund?. Ryft always takes the refund as described above; the answer decides how it appears on invoices: a merchant-liable refund is taken off the restaurant's earnings, a platform-liable one is not.
Troubleshooting#
| Problem | What to check |
|---|---|
| Payments fail straight away | Environment must match the keys: sandbox keys with SANDBOX, live keys with PRODUCTION. |
| No platform fee is taken | The Card payment method needs the restaurant's Sub Account ID; without it the payment is made on the main account and carries no platform fee. |
| Card machines are not offered | Turn on In-person payments (card machines), and Ryft In-Person on the Ryft account. |