POS — Customer experience
How you pay at a merchant point of sale using Flur — including supported payment methods, Split Pay at checkout, Group Split for shared costs, and what you see vs. what the merchant sees.
What it covers
The checkout experience at a merchant using Flur as the payment channel — from selecting a payment method, through Split Pay or Group Split options, to confirmation and receipt.
Who this is for
Flur users paying at merchant checkpoints — physical or digital — who want to understand what payment options are available and how advanced features like Split Pay work at POS.
Supported collection workflows at POS
Complete scenario
Illustrative example — Split Pay at POS
At the checkout
Ada is paying ₦85,000 at TechZone Store. She selects Split Pay, choosing ₦20,000 from her Flur wallet and ₦65,000 from her linked bank account.
What Ada sees
Each funding leg shows its own status. The total is confirmed only when both legs succeed. Ada receives a receipt with the breakdown and a reference number.
What the merchant sees
The merchant sees the total payment of ₦85,000 confirmed via Flur. The funding split is the customer's detail — the merchant receives the full amount and a reference.
Illustrative example
Customer view vs. Merchant view
Merchant tools — terminals, collections management, reconciliation, and settlement — are in Finance Business. This page covers the customer experience only.
FAQs
What payment methods are accepted at POS?+
Supported methods include your Flur wallet balance and linked accounts. The specific options available at checkout depend on the merchant's configuration and the transaction context.
Can I use Split Pay at any merchant?+
Split Pay availability at POS depends on the merchant's configuration. Where it is available, you will see the option at checkout. Not all merchants support all payment configurations.
What if my payment is partial — one leg succeeds, one fails?+
Each funding leg is shown independently. If one leg fails, the total is not confirmed. There is no silent completion or substitution — you will see exactly which leg failed and why.
How is Group Split different from Split Pay at POS?+
Split Pay is one person funding a purchase from multiple accounts they own. Group Split is multiple people each paying their share of the same purchase. They are different features for different situations.