# Payment Scheme Method Restrictions

## Introduction

**Payment scheme method restrictions** control exactly which payment methods are available under each scheme, and whether specific methods require additional data entry (cheque number, reference number, etc.). Restricting methods prevents cashiers from accidentally applying wrong payment types and ensures financial controls are enforced at the billing screen.

## Navigation

Main Menu → Administration → **Payment Schemes** → select scheme → **Payment Methods** tab

## Configuring Method Restrictions

1. Open the target payment scheme.
2. Navigate to the **Payment Methods** tab.
3. For each of the 19 payment methods, set:
   - **Enabled** — whether this method appears on the billing screen for this scheme
   - **Required Fields** — additional information required when this method is selected (e.g., cheque number for Cheque payments)
4. Save.

## Restriction Settings per Method

| Setting | Options | Description |
|---|---|---|
| Enabled | Yes / No | Show or hide this method on the billing screen |
| Cheque Reference Required | Yes / No | Mandatory cheque number when method = Cheque |
| Bank Name Required | Yes / No | Required for Cheque and Slip payments |
| Agent Code Required | Yes / No | Required for Agent and OnlineBookingAgent |
| eWallet Reference Required | Yes / No | Required for eWallet payments |
| Maximum Amount | Numeric | Cap the amount for this method (e.g., max Card = Rs 50,000) |

## Common Restriction Patterns

### Cash Only Ward

Disable all methods except Cash. Ensures no card or credit payments slip through.

### Insurance Credit Ward

Enable Credit only (or Credit + Card). Prevents cash collection where insurance handles billing.

### OPD General

Enable Cash, Card, eWallet, and Credit. Disable Staff, IOU, and OnCall.

### Channel / Appointment

Enable Cash, Card, Agent, OnlineBookingAgent. Disable Credit and IOU.

## Split Payment Rules

When `MultiplePaymentMethods` is enabled in a scheme, cashiers can split bills across any combination of the other enabled methods. If a method is disabled, it cannot be used as part of a split either.

## Validation

If a cashier attempts to use a disabled payment method, the system rejects the action with a validation error. The cashier must select an enabled method before saving the bill.

## Technical Reference

| Item | Detail |
|---|---|
| Entity | `PaymentSchemeDetail` (per-method configuration) |
| Parent | `PaymentScheme` |
| Related | [Payment Schemes](Finance-Payment-Schemes.md), [Payment Methods Overview](Finance-Payment-Methods-Overview.md) |