The cash-vs-card split is one of those nouz design choices that seems pedantic until you understand why. Lumping all revenue together as one number would force us to apply your card fee either to everything (over-charging the cash portion) or to nothing (under-charging the card portion). Neither is honest. The split is honest.
01 Why does nouz split cash and card?
Cash and card sales look identical to your customer but behave differently in your books: card goes through an acquirer who charges a percentage, while cash doesn't. If nouz lumped them into one "revenue" number, the transaction-fee math would either over-charge the cash portion or under-charge the card portion — both wrong. Splitting them keeps the fee honest. A secondary benefit: tracking the cash/card ratio over time tells you something real about customer behaviour.
There's a secondary benefit too: tracking the cash/card ratio over time tells you something real about your customer behaviour. A drift from 30% cash → 10% cash signals cashless adoption (or maybe a broken cash drawer). A drift the other way might mean customers are dodging the card minimum.
02 Where does the split show up in my P&L?
In your P&L, the transaction-fee line is computed only against the card column of every entry. If your card fee is 2% and you took €600 card plus €240 cash today, the fee subtracted is 2% × €600 = €12,00 — not 2% × €840. Across many entries, each entry's card column gets its own fee calculation, so the P&L fee line is the sum of per-entry fees. That matters if your fee rate changes mid-period, since each entry uses its snapshot rate.
Across multiple entries in a day or a month, each entry's card column gets its own fee calculation. The P&L fee line is the sum of per-entry fees, not a single multiplication. This matters if your fee rate changes mid-period — each entry uses its snapshot rate.
03 What if I only know the day's total?
Some days the till counts out but the cash/card split gets muddled and you only have the total. You have three options: check your acquirer's app or merchant portal for today's card volume and subtract to get cash; use last week's split as a rough proxy if your ratio is stable; or log the whole thing as card if you accept almost no cash. Whichever you pick, do it consistently. The list below explains each.
- Check your acquirer's app. Your card terminal app or merchant portal shows today's card volume. Subtract from the total to get cash.
- Use last week's split as a rough proxy. Most shops have a stable cash:card ratio day-over-day. If last Tuesday was 30% cash / 70% card, apply that ratio.
- Log the whole thing as card if you accept almost no cash. Slightly over-charges fees, but the error is small.
Whichever you pick, do it consistently — don't alternate methods week to week, or your historical numbers will drift in confusing ways.
04 What do BAR and EC mean?
BAR is short for "Bargeld" (cash) and EC for "EC-Karte" (card) — terms from German retail, kept because many of our early users are German-speaking. EC-Karte was originally an interbank debit network in Germany and Austria; today it's used colloquially for any card payment — Visa, Maestro, Mastercard, all of them. If you're elsewhere, just read the columns as cash and card. We may localise the headers to "Cash" / "Card" for English users later — drop us a note if that'd help.
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