For a home based 'store' (like ours) you can take phone orders and process payments by installing 2 simple mods:
1.
Add Customer from Admin
2.
Admin login as customer (with master password)
This allows you to add a (phone) customer to your DB then login as that customer and place an order for the customer whilst you are talking to them on the phone.
This idea could be refined by some savvy programmers to make it look pretty for use in a B&M shop at checkout / POS
Add to that the admin mod
Admin Profiles which restricts employees to access only certain areas of your admin.
Not very pretty I must admit - but it does the trick for me for phone orders.

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