Odoo POS Online Payment - Electronic Payment
Integrate diverse electronic payment methods for POS
The POS Online Payment module extends payment capabilities in Point of Sale with electronic methods. This module integrates credit/debit card payments, e-wallets (MoMo, ZaloPay, VNPay), QR codes, bank transfers and international payment gateways.
With real-time payment processing, automatic reconciliation, high security, POS Online Payment helps businesses enhance customer experience, reduce cash handling and manage cash flow effectively.
Online Payment Terminology
Online Payment Terms
| English | Vietnamese | Description |
|---|---|---|
| Online Payment | Thanh toán điện tử | Cashless payment |
| Payment Gateway | Cổng thanh toán | Payment processing service |
| Credit Card | Thẻ tín dụng | Credit card payment |
| Debit Card | Thẻ ghi nợ | Debit card payment |
| E-wallet | Ví điện tử | Electronic wallet |
| QR Code | QR code | QR payment code |
| Bank Transfer | Chuyển khoản | Bank money transfer |
| Payment Terminal | Terminal | POS card payment terminal |
| Reconciliation | Đối soát | Transaction reconciliation |
| Refund | Hoàn tiền | Money back to customer |
Payment Methods
Popular Methods
| Method | Description | Examples |
|---|---|---|
| International cards | Visa, Mastercard, Amex | Stripe, Square |
| Vietnam e-wallets | Vietnamese e-wallets | MoMo, ZaloPay, VNPay |
| QR Banking | QR code bank transfer | VietQR, Napas QR |
| Bank transfer | Bank money transfer | Internet Banking |
| Apple Pay | Apple payment | Apple Pay |
| Google Pay | Google payment | Google Pay |
Electronic Payment Process
Payment gateway workflow:
Steps
1. Customer selects products and requests payment
2. Cashier selects electronic payment method
3. System creates transaction and sends to payment gateway
4. Customer scans QR, swipes card or enters payment info
5. Payment gateway processes and authenticates transaction
6. Result returns to POS (success/failure)
7. Print receipt with electronic transaction info
8. Automatic reconciliation with bank statement
Key Features
Key points
• Integrate diverse international and Vietnam payment gateways
• Card payment via terminal or manual entry
• Fast QR code payment scanning
• Support popular e-wallets (MoMo, ZaloPay, VNPay)
• Real-time payment processing, instant response
• High security with PCI DSS encryption
• Automatic refunds for returned orders
• Automatic reconciliation with bank statements
• Support split payments
• Detailed reports by payment method
Popular Payment Gateways
Payment Gateways
| Gateway | Region | Transaction Fee |
|---|---|---|
| Stripe | International | 2.9% + $0.30 |
| PayPal | International | 3.4% + fixed fee |
| Square | International | 2.6% + $0.10 |
| VNPay | Vietnam | 1.5% - 2.5% |
| MoMo | Vietnam | 1.5% - 2% |
| ZaloPay | Vietnam | 1.5% - 2% |
Payment Gateway Configuration
Setting up payment gateway integration:
Steps
1. Register merchant account with payment gateway
2. Get API Key and Secret Key from provider
3. Configure connection info in Odoo
4. Set up payment method in POS
5. Configure accounting account for each method
6. Test transactions in sandbox environment
7. Activate production environment
8. Train staff on usage
QR Code Payment
QR payment workflow:
Key points
• System generates QR code with payment info
• Display QR on POS screen or print
• Customer scans QR with banking/wallet app
• Customer confirms payment in app
• System receives payment success notification
• Automatically complete order and print receipt
• Support VietQR, Napas QR, MoMo QR, ZaloPay QR
Real-world Scenarios
Common use cases:
Key points
• Fashion store: International card payments for tourists
• Coffee shop: Fast QR payment, no need for change
• Supermarket: Multiple methods, customers choose most convenient
• Fine dining: Credit card payment, Apple Pay
• Online store: Payment integration for delivery
• Store chain: Centralized reconciliation from multiple branches
Payment Security
Security measures:
Key points
• SSL/TLS encryption for all transactions
• PCI DSS compliance for card payments
• Tokenization: No real card info stored
• 3D Secure: Two-layer authentication for international cards
• Fraud detection: Detect fraudulent transactions
• Maximum transaction amount limits
• Full transaction history logging
• Regular payment data backup
Refund Processing
Electronic refund workflow:
Steps
1. Customer requests return and refund
2. Cashier creates return order in POS
3. Select original payment transaction to refund
4. System sends refund request to payment gateway
5. Payment gateway processes refund (1-7 days)
6. Money returned to customer card/wallet
7. System updates refund status
8. Automatically record in accounting
Automatic Reconciliation
Payment reconciliation features:
Key points
• Automatic bank statement import
• Match POS transactions with bank statements
• Detect missing or extra transactions
• Report discrepancies to resolve
• Automatically record in accounting
• Track transaction fees per gateway
• Cash flow reports by payment method
Reports and Analytics
Important payment reports:
Key points
• Method report: Usage rate per method
• Transaction fee report: Cost per gateway
• Success/failure report: Error transaction rate
• Refund report: Quantity and value of refunds
• Reconciliation report: Discrepancies to resolve
• Trend report: Popular payment methods
• Cash flow report: Real-time tracking
Integration with Other Modules
POS Online Payment integrates with:
Key points
• Point of Sale: Process payments at checkout
• Accounting: Automatically record transactions in accounting
• Bank Reconciliation: Reconcile with bank statements
• Sales: Payment for online orders
• Website: Payment on website
• Mobile App: Payment on mobile app
Best Practices
Steps
1. Choose payment gateway suitable for target customers
2. Compare transaction fees between providers
3. Test thoroughly before production deployment
4. Train staff to handle payment errors
5. Backup transaction info regularly
6. Monitor failed transaction rate
7. Reconcile bank daily
8. Update software and security regularly
System Configuration
POS Online Payment setup steps:
Steps
1. Install pos_online_payment module
2. Register account with payment gateway
3. Configure API credentials in Odoo
4. Create new payment method in POS
5. Link with accounting account
6. Configure card payment terminal (if any)
7. Test with sandbox environment
8. Switch to production and monitor
9. Train staff on electronic payment handling