> ## Documentation Index
> Fetch the complete documentation index at: https://help.zentrixcloud.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Payments in Zentrix Cloud: Accept Any Way Customers Pay

> Zentrix Cloud has payments built in through Zenso. Accept card, QR, and pay-by-bank in your store, online, and through payment links.

Zentrix Cloud comes with Zenso, a fully integrated payments layer, so you can accept payments the moment your store is live — no third-party gateway setup required. Every payment method, transaction record, and reconciliation report lives inside a single dashboard, giving you a complete view of your revenue across every channel you sell through.

## Payment Channels

Zenso works wherever you sell, so you never need to manage separate payment accounts for different parts of your business.

| Channel                     | Description                                                                                                                                             |
| --------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **POS Counter**             | Accept card, QR, and pay-by-bank at your physical counters. Works with tap, swipe, insert, and QR scan.                                                 |
| **Online Checkout**         | Payments are handled directly on your Zentrix Cloud storefront. Customers choose their preferred method at checkout.                                    |
| **Payment Links**           | Generate a link from Payments > Links and share it over SMS or WhatsApp. Customers pay through a secure, Zenso-hosted page without visiting your store. |
| **Recurring Subscriptions** | Collect subscription fees on a schedule. Zenso handles authorisation, retries, and failure notifications automatically.                                 |

## Supported Methods

<Tabs>
  <Tab title="Card">
    Accept **Visa** and **Mastercard** at POS counters and through your online checkout. Card payments are enabled by default once Zenso is active on your account. Customers can tap, swipe, insert, or enter card details manually for online orders.
  </Tab>

  <Tab title="QR Code">
    Display a dynamic QR code at the POS terminal or on your checkout page. Customers scan the code using their banking app and confirm the payment on their device. No card terminal is needed, making it ideal for contactless counter setups.
  </Tab>

  <Tab title="Pay-by-Bank">
    Customers transfer funds directly from their bank account. Zentrix Cloud receives immediate confirmation once the transfer is complete. This method works well for high-value orders where customers prefer a direct bank payment over card.
  </Tab>
</Tabs>

## Reconciliation

All transactions are recorded in real time in your Zentrix Cloud dashboard under **Payments > Transactions**. Every payment, refund, and failed attempt appears in the log the moment it occurs — no manual imports or end-of-day syncing needed.

Use the filters to narrow your view by:

* **Date range** — review a specific day, week, or custom period
* **Branch** — isolate transactions from a single location
* **Counter** — drill down to a specific POS terminal
* **Payment method** — compare volume across card, QR, and pay-by-bank

You can export filtered transaction data as a CSV for use in your accounting software or to share with your finance team.

## Refunds

You can issue a full or partial refund against any completed transaction directly from your Zentrix Cloud dashboard. Refunds are returned to the customer's original payment method — card, QR, or bank — and the transaction record updates automatically to show the refunded amount. No manual adjustments or external tools are required.

See [Zenso](/payments/zenso) for step-by-step refund instructions.

## Webhooks

Zenso sends real-time event notifications to a URL you control whenever a payment is completed, a payment fails, or a refund is issued. This keeps your back-end systems, fulfilment pipelines, and accounting tools in sync without polling the Zentrix Cloud API.

Supported events: `payment.completed`, `payment.failed`, `refund.issued`.

See [Zenso](/payments/zenso) for endpoint setup, payload examples, and signature verification.

## Next Steps

<CardGroup cols={2}>
  <Card title="Zenso" icon="bolt" href="/payments/zenso">
    Activate Zenso, set up payment links, manage refunds, and configure webhooks for your store.
  </Card>

  <Card title="Payment Methods" icon="credit-card" href="/payments/methods">
    See every supported payment method and learn how to enable or configure each one.
  </Card>

  <Card title="Integrations" icon="puzzle-piece" href="/integrations/overview">
    Browse 200+ local and global integrations, including third-party payment gateways.
  </Card>

  <Card title="Account Settings" icon="gear" href="/account/settings">
    Configure your business profile, tax settings, and billing preferences.
  </Card>
</CardGroup>