> For the complete documentation index, see [llms.txt](https://docs.payfacto.com/payfacto-knowledge/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payfacto.com/payfacto-knowledge/canada-doc-center/applications/secure-payment/app-to-app-module-user-guide/tasks-and-how-tos/transaction-workflow.md).
# Transaction Workflow
This section describes the general transaction workflow and user experience when making a purchase with a merchant using the Secure Payment application's App to app module.
### Payment Process Begins
The merchant will calculate the total amount using a Point of Sale (POS) system or a cash register and enter the total amount on the payment terminal using the third-party application. The third-party application then communicates the total amount to the Secure Payment application's App to app module.
{% hint style="info" %}
NOTE: Due to the variety of third-party payment applications, no image of this step in the workflow process is included in the documentation.
{% endhint %}
The next step in the process depends on the type of sale. If the merchant adds any surcharge for debit card transactions (for Canadian merchants only, excluding Quebec), the App to app module applies the associated surcharge to the total amount and requires the customer to confirm the total.
The following sections will describe the workflow without surcharges; the available sale types are:
* [Sale Without Tip](#sale-without-tip)
* [Sale With Tip](#sale-with-tip)
* [Debit sale with cashback](#debit-sale-with-cashback)
***
### Sale Without Tip
After the merchant enters the amount on the third-party application, the Secure Payment App to app module displays the total sale amount, at which point the merchant hands the terminal to (or turns it towards) the customer.
1. The customer inserts, swipes, or taps their payment card.
2. The terminal displays a processing screen with the payment card brand logo.
3. After approving (or declining) the payment request, the terminal prints the merchant copy of the transaction receipt and the merchant touches **Print receipt** to print the customer copy or **No receipt** if the customer does not want their copy of the transaction receipt.
***
### Sale With Tip
After the merchant enters the amount on the third-party application, the Secure Payment App to app module displays the *Add a tip* screen, at which point the merchant hands the terminal to (or turns it towards) the customer.
1. The customer selects one of the preset tip percentages, a custom dollar amount, or a custom percentage (if enabled) or they can touch the **No tip** button.
2. After the customer selects the tip amount, the *Total Sale* screen appears where the customer then inserts, swipes, or taps their payment card.
3. The terminal displays a processing screen with the payment card brand logo.
4. After approving (or declining) the payment request, the terminal prints the merchant copy of the transaction receipt and the merchant touches **Print receipt** to print the customer copy or **No receipt** if the customer does not want their copy of the transaction receipt.
***
### Debit Sale with Cashback
{% hint style="warning" %}
IMPORTANT! Cashback is only available for debit transactions where clients **insert their card into the terminal and enter their PIN**. If a client taps a contactless card, the cashback option will not appear.
{% endhint %}
After the merchant enters the amount on the third-party application, the Secure Payment App to app module displays the total sale amount, at which point the merchant hands the terminal to (or turns it towards) the customer. If the sale includes a tip, the terminal displays the *Add a tip* screen, where the customer selects the tip to add (or not) before inserting the card into the terminal's chip reader.
1. The customer selects the account to debit the sale amount from (**Chequing** or **Savings**).
2. The customer selects the amount for cashback.
3. The customer confirms the total amount (sale plus cashback).
4. The customer enters their PIN and touches the **Confirm** button.
5. The terminal displays a processing screen with the payment card brand logo.
6. After approving (or declining) the payment request, the terminal prints the merchant copy of the transaction receipt and the merchant touches **Print receipt** to print the customer copy or **No receipt** if the customer does not want their copy of the transaction receipt.
---
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