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Sistema Financiero tracks the payment method used for each transaction, helping you understand cash flow across different payment channels.

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Available Payment Methods

The system supports three payment methods:

Efectivo

Cash payments and receipts

Tarjeta

Credit and debit card transactions

Transferencia

Bank transfers and wire payments

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When to Use Each Method

Use this for:
  • Cash payments at physical locations
  • Cash income from customers
  • Petty cash expenses
  • Small purchases without electronic payment
Best for: Daily operations, small vendors, tips, and cash-based businesses.
Use this for:
  • Credit card purchases
  • Debit card transactions
  • Point-of-sale (POS) payments
  • Online purchases with card
  • Subscription payments
Best for: Trackable purchases, online shopping, and building purchase history.
Use this for:
  • Bank-to-bank transfers
  • Wire payments
  • Direct deposits
  • SPEI and other electronic transfers
  • Salary payments
Best for: Large transactions, formal business payments, and inter-account transfers.

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Setting Payment Methods

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Manual Transaction Entry

When registering a transaction manually:
  1. Fill in the transaction details (type, amount, category)
  2. Select the Método de Pago from the dropdown
  3. The default is Efectivo, but you can change it
  4. Submit the transaction
The payment method field is always available regardless of transaction type (expense or income).

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AI Chat Registration

Specify the payment method in your natural language prompt: 
Register a $500 expense for Alimentación paid with Tarjeta
Add $2000 income from Tours, payment method Transferencia
Record $150 Transporte expense, cash payment
```text

If you don't specify a payment method, the system defaults to **Efectivo**.

### Excel/CSV Import

Include the `metodo_pago` column in your CSV file:

```csv
fecha,tipo,categoria,monto,metodo_pago
2025-10-06,gasto,Alimentación,350,Tarjeta
2025-10-06,ingreso,Tours,1200,Efectivo
2025-10-06,gasto,Transporte,500,Efectivo
```text

<Warning>
Valid values are: `Efectivo`, `Tarjeta`, `Transferencia`. Other values will default to Efectivo.
</Warning>

### Recurring Expenses

When setting up recurring expenses (subscriptions), you can assign a default payment method:

1. Navigate to **Gastos Recurrentes**
2. Create or edit a recurring expense
3. Select the payment method (typically **Tarjeta** for subscriptions)
4. The system will use this method for all automatic charges

<Tip>
Most subscriptions should use "Tarjeta" as the payment method since they typically charge credit/debit cards automatically.
</Tip>

## Analyzing by Payment Method

### Dashboard View

The dashboard provides insights into payment method distribution:

- Total spent per payment method
- Cash vs. digital payment ratios
- Payment method trends over time

### Data Views Filtering

Filter transactions by payment method to:

- Reconcile credit card statements
- Track cash flow
- Verify bank transfer records
- Identify payment patterns

### Reports

Generate reports grouped by payment method to:

- See which payment channels you use most
- Calculate cash requirements
- Track digital payment adoption
- Prepare for tax documentation

## Best Practices

<CardGroup cols={2}>
  <Card title="Be Consistent" icon="check">
    Always record the actual payment method used to maintain accurate cash flow tracking.
  </Card>
  <Card title="Reconcile Regularly" icon="calendar">
    Match your recorded transactions with bank and card statements monthly.
  </Card>
  <Card title="Track Cash Carefully" icon="wallet">
    Cash transactions are harder to trace, so record them immediately.
  </Card>
  <Card title="Use Categories Together" icon="layer-group">
    Combine payment method tracking with categories for deeper insights.
  </Card>
</CardGroup>

<Note>
Payment method tracking helps with bank reconciliation, cash flow management, and understanding your payment preferences.
</Note>

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