Apply a ROA payment to customers account using a Credit Card at time of sale. Configuration for a Network Terminal user Configuration for a Virtual Terminal user (no device) How to save a credic card token on file with Virtual Terminal and how to use saved token's How to save a credit card token to customers file and how to use the saved token Refund on all or a majority of a sale with returns Refund on an item or parts returned Refund on part of a charge (with no parts returned) Using Credit Card on device to apply a deposit on an open sale Using Credit card Virtual Terminal to apply a deposit on an open sale Using Credit card Virtual Terminal to pay a sale at time of sale Using Credit card Virtual terminal to apply a ROA payment to customers account