Settings Glossary

BayWise Payments settings are organised into six tabs. This page lists every setting with its scope, description, and default value.

Processors

Setting	Scope	Description	Default
Active toggle	Per processor	Enables or disables the processor for the location.	Off
Default toggle	Per processor	Sets this processor as the default for card and payment link transactions. Only one processor can be default.	Off
Test mode	Per processor	Routes transactions through the processor’s sandbox environment.	On
API key	Per processor	The processor’s API key or secret key for authentication.	—
Webhook URL	Per processor	The endpoint URL where the processor sends payment event callbacks. Auto-generated per location.	—

Surcharging

Setting	Scope	Description	Default
Enable surcharging	Location	Enables credit/debit card surcharges on card transactions.	Off
Credit card rate	Location	Surcharge percentage applied to credit card transactions.	0%
Debit card rate	Location	Surcharge percentage applied to debit card transactions.	0%
Disclosure text	Location	Legal disclosure text shown to the customer before payment.	—
Jurisdiction override	Location	Overrides the default jurisdiction rules for surcharge limits and legality.	Auto (from location address)

Tax

Setting	Scope	Description	Default
Jurisdiction code	Location	Tax jurisdiction code (e.g., AU-VIC, US-CA). Determines applicable tax rules.	From location address
Tax group	Location	The tax group applied to transactions (e.g., GST, Sales Tax).	—
Components table	Location	Individual tax components within the group (e.g., State 6% + County 1.5%).	—
Effective date	Location	Date from which the current tax configuration applies.	—
Staleness warning	Location	Days after which the system warns that tax rates may need review.	365 days
Tax-exempt contacts	Location	Contacts flagged as tax-exempt. Transactions for these contacts skip tax calculation.	—

Recurring

Setting	Scope	Description	Default
Description	Per obligation	Name or description of the recurring obligation.	—
Direction	Per obligation	`inflow` or `outflow`.	—
Category	Per obligation	The category group for the recurring transaction.	—
Frequency	Per obligation	How often the obligation recurs (weekly, fortnightly, monthly, quarterly, annually).	Monthly
Amount	Per obligation	The fixed amount for each occurrence.	—
Contact	Per obligation	The payer (inflow) or payee (outflow) for the obligation.	—
Next due date	Per obligation	The next date a transaction will be generated or prompted.	—
Alert days	Per obligation	Number of days before the due date to show a reminder.	3 days
Auto-create	Per obligation	Whether to automatically create a draft transaction on the due date.	Off

Preferences

Setting	Scope	Description	Default
Currency	Organisation	The currency used for all transactions and reporting.	AUD
Default method	Location	The payment method pre-selected when recording a new transaction.	Cash
Deposit policy	Location	Whether to prompt for deposits at the estimate or approval stage.	Off
Credit terms	Location	Default number of days for credit settlement (e.g., Net 30).	30 days
Receipt template	Location	The template used for printed or emailed receipts.	Default

Baselines

Setting	Scope	Description	Default
Live date	Organisation	The date the organisation started using BayPay. Metrics are calculated from this date forward.	Account creation date
Baseline DSO	Organisation	Target Days Sales Outstanding for dashboard comparison.	14 days
Baseline collection rate	Organisation	Target collection rate percentage for dashboard comparison.	85%
Cost of capital	Organisation	Annual cost of capital percentage, used to quantify the cost of outstanding receivables.	10%

Roles & Capabilities — who can access settings
Dashboard Metrics Glossary — how baseline settings affect dashboard metrics
Event Map Reference — category configuration that feeds into the event map

Event Map Reference FAQ