Settings ▸ Payment

Money: what you price in, what you charge tax at, what you charge to post, and how you get paid. The longest tab on the screen.

Currency

The currency your prices are shown and charged in. A shop based in the United Kingdom sells in GBP, because HMRC wants VAT shown in sterling; EUR and USD are offered only to a shop based elsewhere. Change it and save, and the exchange-rate rows below refresh to match.

Exchange rates

Only relevant if you use follow-market pricing. Card prices come from catalogue sources quoted in their own currency (USD, EUR), so they need converting into yours. Leave a rate blank to use the platform's, or type your own to price a little above or below the market on purpose. If your currency already matches every source, this panel tells you so and there is nothing to do.

Market price

Where your follow-market prices sit against the market — the percentage, rounding, floor, condition ladder and the hand-price warning — is not on this tab. It is set from Catalogue ▸ Buy & sell config with ⚙ Market pricing, shop-wide and game by game on one screen. The panel here just links there.

Stock costing

Only if your plan tracks cost. You record what you paid for stock as it arrives, one lot at a time — five copies bought at three prices are three lots — and this decides which lot a sale takes its cost from, and so the margin you report.

Method	What it does
FIFO	The oldest copies sell first, each at what that lot cost. Lots stay separate, so you can always see what you paid for what is left. The usual choice, and it matches what physically happens to a box of cards.
Weighted average	Every copy costs the average of what is on hand. Simpler to think about, but once you have sold any, the separate lots are gone — under this method the copies are by definition identical.

Both are permitted for UK and EU accounts (LIFO is not, which is why it is not offered). Pick one and stay on it — switching mid-year makes two periods that cannot be compared, and your accountant will ask.

Tax

• If you are VAT registered: put your VAT number in (GB and 9 digits — the GB is added if you leave it off) and the date in Registered from: your effective date of registration, from your VAT registration certificate. VAT is charged on sales from that date. A UK shop charges the UK standard rate, 20%. Prices everywhere in the shop are treated as VAT-inclusive — you type the shelf price and the tax portion is worked out from it, rather than being added at the end. That portion is what appears on the VAT report and on invoices.
• If you are not VAT registered: leave the VAT number blank. No VAT is charged, recorded or shown anywhere, your customers pay exactly your prices, and the VAT report shows your turnover for the last 12 months against the registration threshold instead of VAT figures. That is correct, not a fault — come back and fill this in on the day you register.
• If you deregister: do not clear the number. Enter the date HMRC cancelled your registration in Registration cancelled from. Sales from that date carry no VAT, and the registration stays on record, so reports for the time you were registered still come out right. If you register again later, enter the new number and date; the history is listed above the fields. Each order keeps your name, address and VAT number as they were when it was paid, so its invoice and receipt never change when you register, deregister or move.
• VAT return period: how often you file and when your periods end — monthly, quarterly (three choices of quarter end) or annually. It is on your VAT registration certificate and in your HMRC online account.

Second-hand stock (VAT registered shops)

Cards bought from the public — over the buylist, at a show, or at the till — are second-hand goods, and under the VAT margin scheme you account for VAT on what you made on them, not on the whole price. A £240 card bought for £200 carries £6.67 of VAT, not £40. Tick Account for second-hand stock under the VAT margin scheme and the shop does the rest: every lot bought from the public while the scheme is on is marked second-hand as it comes in, unless you record that the seller gave you a VAT invoice (you can tick or untick a lot by hand under What you paid on the product), a second-hand copy always sells at its own purchase price whatever your Stock costing says, no VAT is shown on it on the receipt or invoice, and the VAT report works the margin out for you.

HMRC's line is £500, and it is fixed. Anything bought for more is accounted for item by item — its own purchase and sale price on the VAT report. Everything at or under it goes through the pool (global accounting): VAT on the period's total sales less total purchases, with a loss carried into the next period. The day you switch the scheme on is when the pool starts, and every second-hand lot still on the shelf that day goes into the pool as a purchase at what you paid for the copies left. Stock bought while the scheme is off goes in as standard stock, and joins the pool if it is still on the shelf when you switch the scheme back on; a lot already counted in an earlier stretch of the scheme is not counted twice. Each time you switch the scheme on or off is recorded, and the dates are listed under the tick box.

Languages

Which languages your shop deals in, if your plan includes more than one. It is a bigger switch than it looks: it decides which language columns appear on Buy & sell config, which per-language buy rates you can set, and which translation tabs appear on the menu and your pages. Until a language is ticked here, nothing else in the shop will offer it.

Delivery

• Offer local pickup — adds a free "collect in store" option at checkout. It is also what makes an order use the Ready for collection email rather than the dispatch one.
• Postal methods — one row each: a short code (rm48), the name the customer reads ("Royal Mail 48"), and the price. Blank rows are ignored, and clearing a row removes that method. There are always spare rows for adding more.

A shop with no postal method and pickup switched off cannot be checked out of. If shoppers report being stuck at delivery, this panel is the first place to look.

Returns

What a customer is told when you approve a return — the two boxes here are the whole content of that email, so it is worth filling both in before you ever have to send one.

Field	What to put
Returns address	Where to post it. Leave it blank and your shop address is used, so the email is never broken — but it will send people to your shop floor whether or not that is where returns go. If you use a different address, say so here.
Returns instructions	Anything else they need to know: "pack cards in a toploader", who pays return postage, how long you take. This is where a returns policy actually reaches a customer, rather than sitting on a page nobody opened.

Neither is used until a return is approved on the returns queue — nothing here changes what a shopper sees while they are buying.

Cancellation fee

A percentage you keep when an order is cancelled. Nothing is kept until you tick where it applies: pre-orders, other online orders, event bookings and till sales each have a box, and the fee starts at 5%.

Once a box is ticked, refunding or voiding an order of that kind offers Keep the cancellation fee, already ticked, on the order's refund form and on the till's return screen. Untick it for that one refund to give the whole amount back. The fee is a percentage of what each refunded item cost, never of postage. A pre-order uses the product's own fee where its Pre-order panel sets one, and this one otherwise; with pre-orders ticked, the product page tells shoppers what cancelling will cost. Returns sent back through the returns queue never carry a fee.

In-person card payments

If your plan includes tills or trade shows, a panel at the top of this tab opens Card payments: the SumUp or Square account and the card readers used on the till and at shows. It is one page so the till and the shows share one account and one set of readers. Press Set up card payments to go there.

Online card payments (Stripe)

Press Connect with Stripe and follow it through — you can create a Stripe account during the process if you do not have one, and it is free. This connects on its own; it is not part of Save settings.

Your shop is the merchant. Customers pay you directly, into your own Stripe account; refunds and disputes are yours, and payouts are on your own Stripe schedule. We take a percentage of each sale, deducted automatically, and the exact figure is shown on this panel. Once connected, the panel reports the account, whether it is live or test, and whether Stripe has enabled payouts yet — a new account often says "checking" for a day while Stripe verifies your details.

Worked example

"A VAT-registered UK shop, first day."
Currency GBP · VAT number GB123456789 · Registered from the date on your certificate · VAT return period from the same certificate · tick local pickup · add rm48 / "Royal Mail 48" / 3.49 · Save settings. Then Connect with Stripe.