Configure Payment Preferences
Payment preferences control the defaults that BayWise Payments uses across your location — which currency amounts are displayed in, which payment method is pre-selected, whether deposits are required, what credit terms are available, and how receipts are branded. These preferences are set once and apply to all transactions at this location until changed.
This guide covers each section of the Preferences settings tab.
Who can do this: Account Owner, Org Admin, and Location Manager.
The preferences row for each location is auto-created by the onboarding gate when BayPay is first activated. You will always have a row to edit — there is no need to create one manually.
Set the base currency
The base currency determines the denomination for all amounts displayed in BayWise Payments at this location — transaction amounts, cashflow figures, dashboard KPIs, and reports.
Open Settings → Preferences
From the main navigation, go to Settings → Preferences.
Select the currency
Choose your base currency from the dropdown. Supported currencies:
| Code | Currency |
|---|---|
| AED | UAE Dirham |
| USD | US Dollar |
| EUR | Euro |
| GBP | British Pound |
| INR | Indian Rupee |
| SAR | Saudi Riyal |
| QAR | Qatari Riyal |
| KWD | Kuwaiti Dinar |
Save
The currency saves automatically.
The base currency is a cross-product setting. Changing it here affects currency display across all BayMax products at this location, not just Payments. Coordinate with your team before changing the currency at an established location.
Set the default payment method
The default payment method is pre-selected whenever a staff member records a new payment. They can override it per transaction, but the default saves time on the most common payment type.
Open Settings → Preferences
Navigate to the Preferences tab.
Select the method
Choose from:
| Method | Description |
|---|---|
| Cash | Physical currency |
| Card | Credit or debit card via your configured processor |
| Bank Transfer | Direct bank transfer or wire |
| Cheque | Paper cheque |
| Wallet | Digital wallet (Apple Pay, Google Pay, Samsung Pay) |
At Al Futtaim Auto in Dubai, where most customers pay by card, the default might be Card. At Sharma Motors in Mumbai, where cash remains common, the default might be Cash.
Save
The selection saves automatically.
Configure the deposit policy
A deposit policy lets you require a partial payment upfront before work begins. When enabled, the deposit amount or percentage appears on invoices and in the collection queue.
Toggle Deposit Required
Switch the Deposit Required toggle to on. The deposit configuration fields appear.
Choose fixed or percentage
Select the deposit type:
- Fixed — a flat amount (e.g., 500 AED). The same deposit applies regardless of the invoice total.
- Percentage — a proportion of the invoice total (e.g., 30%). The deposit scales with the job value.
Enter the value
For fixed deposits, enter the amount. The value must be greater than zero.
For percentage deposits, enter the percentage between 0 and 100.
Save
The deposit policy saves automatically. It takes effect on the next invoice generated at this location.
A 30% deposit is common for body work and paint jobs at workshops like Santos Body Works in Sao Paulo, where parts costs are high and lead times are long. For quick-service workshops handling oil changes and tyre swaps, deposits are typically unnecessary.
Manage credit terms
Credit terms define the payment windows you offer to account customers — businesses, fleet operators, and other clients who pay on terms rather than at the point of sale.
BayWise ships with three default credit terms:
| Term | Net days |
|---|---|
| Net-30 | 30 days |
| Net-45 | 45 days |
| Net-60 | 60 days |
You can add custom terms or remove defaults that do not apply to your business.
View existing terms
On the Preferences tab, the Credit Terms section lists all configured terms with their labels and net-day values.
Add a custom term
Enter the label (e.g., “Net-15”, “Net-90”, “COD”) and the net days (the number of days from invoice date until payment is due). Click Add.
The new term appears in the list and becomes available when recording transactions with credit terms.
Remove a term
Click the remove button next to any term you want to delete. Removing a term does not affect existing transactions that already use it — it only prevents new transactions from selecting it.
Configure the receipt template
The receipt template controls how printed and digital receipts look for this location.
Toggle Show Logo
Switch Show Logo on or off. When on, your organisation’s logo (uploaded in Workspace Settings) appears at the top of every receipt.
Set footer text
Enter the Footer Text that appears at the bottom of every receipt. The default is “Thank you for your business!” — adjust it to match your brand voice or to include required legal notices.
Muller Werkstatt in Berlin might set the footer to their German VAT registration number and a thank-you note. Tanaka Auto Service in Osaka might include their JIS certification number.
Select the receipt language
Choose the language for receipt labels and system-generated text:
| Code | Language |
|---|---|
| en | English |
| ar | Arabic |
Customer-entered data (vehicle descriptions, service names, notes) remains in whatever language it was entered. The receipt language setting controls only the system-generated labels like “Invoice”, “Total”, “Date”, and “Payment Method”.
Save
Receipt template changes save automatically and take effect on the next receipt generated.
Data storage and resilience
Both the core preferences (currency, payment method, deposit policy, credit terms) and the receipt template (logo toggle, footer, language) are saved securely in your location’s payment settings. All saves are protected by an automatic retry system, which provides:
- Automatic retry — if a save fails due to a transient network issue, the system retries automatically
- Offline resilience — if the device goes offline during a save, the change is queued and persisted when connectivity returns
- Conflict resolution — the most recent write wins
You do not need to worry about lost saves. The system handles all failure modes transparently.
Common questions
Can I set different preferences for different locations? Yes. Every location has its own independent preferences. A workshop in Dubai can use AED with card as default, while a workshop in London uses GBP with bank transfer as default.
What if I change the base currency after recording transactions? Existing transaction amounts are not converted. They remain in whatever currency they were recorded in. Only the display denomination changes. Avoid changing the base currency at an active location unless you are correcting an initial setup error.
Can I add more than three credit terms? Yes. There is no hard limit on the number of credit terms. Add as many as your business requires.
What receipt languages are supported? English and Arabic in V1. Additional languages will be added based on demand. The receipt language affects system labels only — your own text (service descriptions, notes) is not translated.
Who created the initial preferences row? The onboarding process creates your location’s payment settings automatically when BayPay is activated. It populates sensible defaults (AED currency, no deposit, default credit terms). You edit these defaults on the Preferences tab.
Related pages
- Configure Payment Processors — set up the processors used with your preferred payment methods
- Configure Surcharging — surcharges are calculated on top of the base amount in your configured currency
- Set Collection Baselines — baselines reference the same currency as your preferences
- Record a Payment — your default payment method is pre-selected on the recording form