Half the payment options are already closed.
Cin7 Core has carried a good many ways of taking money over the years, and as of May 2026 four of them are shut to anyone new. They still work for the businesses that already had them, so they are still visible, still documented and still described as options in plenty of places that have not been updated. If you are choosing today, the shortlist is a lot shorter than it looks.
Sorted by what you can still sign up for.
Our other platform pages group this list by how each app reaches Cin7 Core. Here that would tell you nothing, because every one of these is a built-in connector configured from Cin7 Core itself. The distinction that matters on this subject is whether a new account can have it at all, so that is the grouping. The date on the closures is May 2026, and it applies to new connections rather than to existing ones.
What a business setting Cin7 Core up today can actually turn on. All of these are built-in connectors, switched on from Cin7 Core rather than bolted to the side of it, and each does a different job rather than competing with the one above it.
- AirwallexPaying supplier invoices, on Xero
- Cin7 CapitalEmbedded business financingfinancing, not a way of taking payment
- Cin7 PayThe embedded, Stripe-powered option for new customers
- PencilPayCollecting from wholesale customers
- SquareThe payment processor behind Cin7 Core POS
Closed to new sign-ups since May 2026. They keep working for businesses that already had them connected and nothing about that has changed, but they cannot be added to an account that does not already have them, and new setups are routed to Cin7 Pay instead. This is the part of the page most likely to be out of date somewhere else.
- Authorize.NetExisting customers only, closed to new sign-upsclosed to new customers since May 2026
- PayPalExisting customers only, closed to new sign-upsclosed to new customers since May 2026
- Pinch PaymentsExisting customers only, closed to new sign-upsclosed to new customers since May 2026
- StripeThe direct gateway, existing customers only, and not Cin7 Payclosed to new customers since May 2026
Not a way of taking money, and on this page for one reason: two of the entries above depend on it, and neither can be described honestly without naming it. The reconciliation side of it is on our accounting page rather than here.
- XeroNot a payment method: the ledger two of these depend on
What a list of names does not tell you.
Where you are registered decides most of this before any of it is a preference. Cin7 Pay is available in a fixed list of countries and the list is not long. PencilPay covers Australia and the United States, with New Zealand added since. Surcharging is regulated differently from one country to the next, and complying with the rules where you take payment is yours rather than the platform’s.
Then there is what sits on the subscription. Connecting Square as an external payment processor needs an integration add-on licence, and PencilPay needs an API licence. Neither is expensive on its own, and both are easier to hear about at scoping than in the month the invoice changes shape.
The last one is the least obvious. A connector being visible in Cin7 Core does not mean anybody connected it, and at least one tile on that screen shows in every account whether it has been signed into or not. So an inventory of “what we are integrated with”, taken by reading the Integrations screen, over-reports. We have watched that go into a scope document and come back out again.
- ✓ Check country availability before shortlisting anything
- ✓ Check what needs an add-on or API licence on your subscription
- ✓ Surcharge rules are local, and complying with them is yours
- ✓ A visible tile is not a connected integration
- ✓ Nothing here is added to a new account after May 2026 except the current options
Square is on this page as a processor. It is also a sales channel in its own right, connected natively and set up separately. Square as a channel
Airwallex pays supplier invoices on Xero, and what PencilPay collects has to reconcile against the same ledger. Neither is really a decision about payments on its own. The ledger these sit on
Both are Stripe. Only one of them is open.
This is the confusion worth clearing up first, because the two get talked about as though they were the same product and they are not. Cin7 Pay is Cin7’s own embedded payments module, and Stripe is what runs underneath it. The Stripe integration is the older direct connection to your own Stripe account, and it is one of the four that closed. Being told “you can use Stripe” is true of exactly one of those two if you are starting now.
Embedded, and where new setups go
A module of its own under the Money menu rather than a tile under Integrations. Three ways to take a payment: at the B2B portal checkout, through a pay link on a sales document, and keyed in by your own team from the sales order. Refunds, disputes and saved cards are handled inside Cin7 Core.
The direct gateway, closed to new sign-ups
Connected under Integrations, against your own Stripe account. Pay links on authorised quotes and invoices, and that is the whole of it: your team cannot take a payment by hand inside Cin7 Core, and Cin7 Core captures no fee information from it. Unchanged for anyone who already has it.
What each one asks of your accounts
The older gateway wants one payment account chosen and little else. Cin7 Pay wants a clearing account, a payment fee account, a surcharge account and a bank account mapped before it goes live, which is a conversation with whoever owns your chart of accounts rather than a form to fill in.
If you are on one of the closed four.
Nothing has stopped working and nothing we have seen suggests you are being made to move. The integration behaves as it always did, and if it is doing its job there is no urgency here at all. What has changed is the option to add it: a second entity, a fresh Cin7 Core account or a business that disconnects and wants it back is in the position of a new customer.
Where a move does make sense, it is a small project rather than a switch. Saved payment methods carried over from another processor sit against Cin7 Pay customers until somebody links each one to the matching Cin7 Core customer, and a payment channel that quietly stopped working is the sort of thing nobody notices until a customer mentions it. So we would move on a period boundary, take a real payment and a real refund through each channel you use, and reconcile the first payout before turning the old one off.
What we would not do is tell you which processor is cheaper for your card mix. That is a question for the processors and for whoever advises you on the finance side, and an implementation partner with an opinion on it is answering a question nobody should have asked them.
- ✓ Cin7 Pay lives under Money, not under Integrations
- ✓ Three channels: B2B portal, pay links, and keyed in by your team
- ✓ Surcharges can be fixed, a percentage, or both, with a cap
- ✓ Payouts arrive daily, net of the processing fees
- ✓ Migrated saved cards need linking to the right customer record
- ✓ Pay links only appear once a document is authorised
“Payments” is four decisions, not one.
Most of the conversation about payments is about customers paying you, and it is only ever part of the picture. Money leaves as well, trade customers are a different problem from card customers, and a shop counter is different again. Each of these is answered by a different app, and choosing one tells you nothing about the others.
Card, wallet, direct debit and buy-now-pay-later at a B2B checkout, on a pay link in an emailed invoice, or keyed in by your own team from the sales order. This is the job Cin7 Pay is built for, and the one the four closed gateways used to do.
Airwallex pays and syncs supplier invoices from inside Cin7 Core. It is available only to businesses running the Xero side of the ledger, which rules it out for a good number of people before anything else is discussed.
PencilPay is the wholesale end: credit applications, trade terms, credit limits and collections, with a portal your customers register through. It needs an API licence on your Cin7 Core subscription, so it is a line on the bill rather than a switch.
Square is the payment processor behind Cin7 Core POS, chosen per outlet and per register and paired with a Square Reader. It is also a sales channel in its own right, and that half of it sits on our e-commerce page.
Financing, named and left there.
Cin7 Capital is business financing offered from inside Cin7 Core, under the same Money menu as Cin7 Pay. It covers term loans, lines of credit, invoice financing and financing against your accounts payable, it is underwritten by a lending partner rather than by Cin7, and where it is available depends on where you are registered.
That is the whole of what we have to say about it. We are naming it because it appears in the same menu as the thing you came here for and a reader who meets it unexplained deserves to know what it is. Whether borrowing is a good idea for your business, on what terms, and against which facility, is a question for your accountant or a regulated adviser. It is not a question for us, and we would say the same on a call.
We set the plumbing up. We do not handle your money.
Our work is which option is actually available to you, what it is capable of, how it is configured, and what it does to your accounts when a payment lands. The money itself never comes near us.
Work out what is open to you
Where you are registered, what is on your subscription, which channels need to collect money and whether trade customers are part of it. That usually narrows a long list to one or two before anybody looks at a rate card.
Configure it against your accounts
The connection is short. The account mapping, the surcharge settings and the notification routing are the part that decides whether the first month end is quiet, and the mapping is agreed with whoever owns your chart of accounts.
Take a real payment, then refund it
Every channel you intend to use, tested end to end with real money and a real refund, and the first payout reconciled properly. A pay link that works and a refund path that does not is a problem your customer finds for you.
What we are not.
We are not a payment provider. Waypoint does not process, hold, route or touch your money at any point, and we are not an agent or a reseller for anybody who does. Your merchant agreement is between you and the processor, and we have no commercial interest in which one you pick.
We are not a broker either, so we do not compare merchant rates, we do not negotiate them, and we would not tell you which gateway comes out cheapest for your particular mix of cards, currencies and average order value. Those numbers move, they are specific to you, and the people who can answer properly are the processors themselves.
And we are not accountants or financial advisers. Where a payment lands in your chart of accounts, how fees and surcharges are treated, and whether a financing facility makes sense are questions for the person who signs off your books. What we can tell you is what each option is capable of, what it needs from your setup, and what it does inside Cin7 Core once it is on.
What we do here
- ✓ Tell you which options are open to a business like yours
- ✓ Configure the connection and the account mapping with your accountant
- ✓ Test every payment channel, and the refund path for each
- ✓ Sort out a connection that has stopped behaving
- ✓ Say plainly when a question belongs to somebody else
What people ask before starting.
We are on one of the closed gateways. Do we have to move?
Not as far as anything we have seen says. The four that closed in May 2026 continue to work for existing customers, and if yours is doing its job there is no deadline attached to it.
What you cannot do is add one. A new Cin7 Core account, a second entity, or a connection disconnected and wanted back would all be treated as new, and the answer there is Cin7 Pay. That is worth knowing before somebody disconnects something to troubleshoot it.
Is Cin7 Pay just our Stripe account with a different name on it?
No. Cin7 Pay is Cin7’s own module and Stripe runs underneath it, which is a different arrangement from the older direct integration to a Stripe account you already hold. New accounts do get Stripe dashboard access, and an existing Stripe account can be connected during setup rather than creating one from scratch.
The differences that matter day to day are in what each can do: Cin7 Pay can take a payment keyed in by your own team, it handles refunds and disputes inside Cin7 Core, and it needs more of your accounts mapped before it goes live.
What will it cost us to take a payment?
That is between you and the processor, and we would not quote it. Published rates vary by country, by payment method and by what you negotiate, and they change. Ask Cin7 or the processor to confirm the figures in writing before you plan around them.
What we would flag is the part people forget: surcharging can pass some of that cost on, it is configurable per payment method, and whether you are allowed to do it depends on where you take the payment. That is a legal question in some markets rather than a settings question.
Can our team take a card payment over the phone?
With Cin7 Pay, yes. It supports a merchant-initiated transaction entered from the sales order, and payment methods can be saved against a customer with their consent for next time.
With the older Stripe gateway, no. It works by pay link only, which is one of the more common reasons a business on it wanted to move even before it closed.
Does any of this work outside our country?
Sometimes, and it is the first thing to check rather than the last. Cin7 Pay is limited to a defined list of countries, Airwallex to businesses on the Xero side, PencilPay to Australia, the United States and New Zealand, and Cin7 Capital to a short list too.
Multi-currency is a separate question again. Cin7 Pay settles in a wide range of currencies and falls back to a default where you have no matching bank account, which is worth setting deliberately rather than discovering.
How do you charge for this work?
At £99 an hour, quoted as estimates by phase rather than as a fixed scope, with a range given at scoping. We would rather set that range wide than miss it.
A payments piece is usually short next to the rest of an implementation. Where it stops being short is when the account mapping has not been agreed, so we would want your accountant in that conversation early.
Tell us how your customers pay you.
Card, on account, at a counter, or all three. Book a call and we will tell you which options are actually open to a business where you are, what each one would need from your setup, and what it changes about the way money reaches your accounts.
please check your timezone and am/pm when booking
What to expect
- ✓ A straight conversation, no scripted sales pitch
- ✓ An honest view on whether you need this yet
- ✓ Estimates by phase before you commit to anything
- ✓ No opinion on your merchant rates, and no interest in them