🛠 Step 1: Access the Payment Settings

💳 Step 2: Configure Payment Types (Credit Cards and Others)

In the Payments tab, you will see a grid listing all existing payment types. From here you can:

Add or Delete payment types using the controls to the left of the grid.
Edit or Disable a payment type by:
- Double-clicking the row, or
- Highlighting the payment type and clicking the pencil/edit button.

When editing a credit card type:

Check the box labeled "Is a Credit Card".
Select the major credit card type (Visa, MasterCard, etc.) from the dropdown list.
(Optional) To add a surcharge or discount to this payment type — including the required S/D Rate Applied To setting, which must be configured correctly to avoid miscalculated invoices — see Adding a Surcharge on a Credit Card Payment Type (Auction Flex Legacy).

Click the Integrated Credit Card Processing tab.
Select your processing provider from the Retail Card Processor. Preferred provider would be Global Payments due to hardware and pay link integration.
Enter your Global Payments (or applicable provider) credit card processing credentials.
- You must fill out all required fields accurately. Do this in E-Commerce, ACH (if selected as an option during onboarding, and Retail.
- Note: Asterisks in password fields may not reflect the actual number of characters.
If you are using the EMV compliant chip, tap, & swipe readers (purchased from Global Payments

Depending on how you plan to take payments, check one or both of the following options:

For Online Auctions (HiBid):
- Check Enable Internet Credit Card Registration Processing.
- Choose E-commerce or other appropriate option from Terminal Type to use when processing payments from HiBid Internet Bidders.
For Retail/Card-Present Transactions:
- Check Enable Retail Credit Card Processing.

Click Save after editing each credit card type.
Repeat the configuration process for all other payment types you plan to use (e.g., Visa, MasterCard, Amex, Discover, Cash, Check, etc.).

Setting	Description
Is a Credit Card	Marks payment type as a credit card for surcharge/tax and integration.
Sur/Disc Rate	Enter positive value for surcharge, negative for discount. See Adding a Surcharge on a Credit Card Payment Type (Auction Flex Legacy).
S/D Rate Applied To	Controls which portion of the invoice the surcharge/discount is calculated against. Use option #5 for credit card surcharges unless Auction Flex Support instructs otherwise — see the linked surcharge article.
Taxable	Determines if the surcharge or discount is taxed.
Enable Internet CC Processing	Allows HiBid internet bidder cards to be charged through Auction Flex.
Enable Retail CC Processing	Enables credit card terminal functionality for in-person auctions.