# Payment Setup: account & cardholder signatures

> Published: 2026-07-02
> Updated: 2026-07-08
> Category: Pay
> Canonical: https://finalpos.com/help/configuring-tips-cardholder-signatures

In the Merchant Hub under Pay → Setup you manage your Payment Account and choose whether to request a cardholder signature before a payment completes. Signatures are stored with the order on supported cloud terminals, which helps when responding to disputes. To set up tipping, see How to configure Tips.

## Key takeaways

- Payment Setup (Pay → Setup) holds your Payment Account and Cardholder Signature settings.
- The Payment Account section manages your business details, bank account, and payout settings.
- Turn on Request Cardholder Signature to collect a signature before completing a payment.
- Signatures are stored with the order on supported cloud terminals and help resolve disputes.
- Tipping is configured separately — see How to configure Tips.

## What's in Payment Setup

In the Merchant Hub, go to **Pay → Setup**. The page is organized into sections:

- **Payment Account** — manage your business details, bank account, and payout settings.
- **Tips** — turn tipping on and customize the amounts. (See [How to configure Tips](/help/configure-tips).)
- **Request Cardholder Signature** — collect signatures before completing payments.

> **You may need permission to save:** Editing these settings requires permission to edit payment settings. If **Save Changes** is unavailable, ask an administrator for access.

## Payment Account

Connect or manage your Stripe account from the **Payment Account** section. It lets you manage your business details, bank account, and payout settings. Stripe handles the secure side of card processing for Final Pay, so you can update your details here at any time after setup.

## Request a cardholder signature

You can ask customers to sign on the terminal before a payment is completed. The signature is stored with the order, which is useful evidence if a payment is ever disputed.

1. In the **Request Cardholder Signature** section, switch the toggle on.
2. In the **On Reader Instructions** box, type the message customers see on the terminal before they sign (up to 100 characters) — for example, "Please sign below to confirm your purchase."
3. Save your changes.

> **Use signatures to strengthen dispute responses:** A stored signature is strong evidence that the cardholder authorized the purchase. If you respond to chargebacks often, turning this on can help. See [Managing Payments & Disputes](/help/managing-payments-refunds-disputes).

## Save your changes

Use the **Save Changes** button at the top right of the page. It stays disabled until you make a change, shows a spinner while saving, and confirms with "Changes saved successfully." Settings apply to new checkouts after they're saved.

## FAQ

**Q: Where do I set up cardholder signatures?**
A: In the Merchant Hub, go to Pay → Setup and use the Request Cardholder Signature section.

**Q: Do signatures work on every terminal?**
A: Signature collection works on supported cloud terminals. The signature is captured before the payment completes and saved with the order.

**Q: How do I update my bank account?**
A: Open the Payment Account section in Pay → Setup to manage your business details, bank account, and payout settings.

**Q: Where do I configure tips?**
A: Tips are set up separately — see How to configure Tips.