Card Payments Are Unavailable
Troubleshoot why POS cannot take card payments or Stripe Terminal payments.
What the POS banner means
If POS says card payments are unavailable, your gym's payment connection is not ready for card processing in Topo. The banner directs owners to Settings or Account > Billing to finish payment onboarding.
Owner or manager checklist
Open Staff > Account > Billing and confirm payment onboarding is complete.
Resolve any pending payment-account requirements shown there.
Return to POS after the payment connection refreshes.
If using physical readers, open Terminal Readers and confirm a reader is registered and online for the selected POS location.
Confirm the staff user has permission to process sales and, if needed, manage terminal readers.
Front desk checklist
Confirm POS has the correct location selected.
Try refreshing POS after an owner completes payment onboarding.
If a reader is offline, use another available payment method according to your gym's policy.
If the card-on-file option is missing, confirm a member is attached to the cart and has a usable payment method.
Common issues and fixes
Billing was just connected but POS still shows unavailable: refresh the page or sign out and back in.
Terminal reader is not listed: check selected location, reader registration, power, and network connection.
A member's saved card fails: update the member's payment method before retrying.
Only one staff account cannot charge cards: review that staff user's role permissions.