Key features:

Make sale on credit in a simple way
See all debt/credit history of customers in both POS and backend
Set Max Debt value to limit customer's debts
Sell credit products via eCommerce
Ability to setup and manage the user rewards (volunteer, employee rewards, etc.)
Ability to update credits for several users of the same company at once
Track all debts/credits by reports generated

You don't need to take money from a customer each time. You'll be able to offer your customer to make prepayment or pay periodically, e.g. once in a month.

It's a good solution for:

festivals:
- let a customer to buy by credit from different points
- control cash flow in a single point
small shops, marketplaces:
- get payment in advance
- ask payment periodically, e.g every month
- make round payments and small change on customer profile

Operate by Debts/Credits in POS

Pay By Debt

The customer is able to pay some part by Cash and the rest by debt using available credit journal(s) (or pay all the order amount by debt). You may use as many credit journals as you wish.

You can easily put the customer change to his credit account if needed (e.g. if you wouldn't like to care about small change).

Purchase Credits

Customers are able to purchase credits to top up their balances

Make payment (e.g. by Cash)

The credit balance is topped up after purchase

Note that the customers are able to purchase credit products via eCommerce too

Customer Debt/Credit History

All customer debts/credits balances are shown on client list view

All the details about used debt transactions for the customer selected you can see by clicking on Show Debt History.

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Pay Full Debt

The Pay Full Debt button appears when you select customer, which has unpaid debt (red amount). You can see this button in 2 places:

At the top of the Customer's form

On the payment page

Once you click Pay Full Debt button, the debt amount will be added to the payment list with negative sign. That negative amount has to be covered by normal payment (e.g. by cash). This payment should be more than total amount of current order (note that there must be at least one product in your order before payment can be validated, so in this case we recommend to use dummy zero price product). After payment validation, the customer will have zero debt value (i.e. he will have not any debt).

Operate by Debts/Credits in Backend

Manual Credit Updates

Open Point of sale → Configuration → Manual Credit Updates. Here you can manually manage with credit updates by creating new record or importing csv (xls) file. It may be used in following cases:

to setup initial debt / credit values

for periodic import from another system

to remove test debts

Handling several partners at once

Group of partners from the same Company can be handling together. To do that open wizard via Invoicing → Sales → Generate POS Credits Invoices and set the fields:

Company

Credit Product

Payment Type

In the employee list you can see Current Credits and set Credits to add

Then

navigate to Invoicing → Sales → Customer Invoices and select invoices for the same company.

click Action >> Confirm Draft Invoices

click Action >> Register Payment

As a result the Credits for employees are updated

Configuration

To add a credit journal go to Point of Sale → Configuration → Payment Methods and check the box Credit Journal at Point of Sale tab for the journal you create.

Credit Journal Options

Allow to cash out credits: it allows for customers to exchange their credits to cash via POS
POS product categories : Only products from these categories are allowed to be paid using this credit journal. If it's empty, all categories are allowed.
Max Debt: If it's set, the customers are not allowed to have debts more than the value specified
Autopay: A journal with this option will be automatically added to payment line if credit balance for the journal is positive. In case of several autopay journals they will be applied subsequently until full amount is paid.
Zero transactions: Apply 100% discount on the order when a user pay via such type of journal in POS. It could be used if you provide free meal for your internal employees for example.

Autopay

This option allows you to significantly speed up the sales process. So any transaction can be done in few seconds:

Scan the client barcode

Scan or click a product

The payment is automatically filled

Click Validate button located at the same place as button to open payment screen

Ready!

Activate the autopay option for a single journal at least. Then make order for a customer in POS. If the customer you selected has no enough credits on autopay journal, you will see the warning about it at the bottom left corner.

Otherwise the journal is added to payment line automatically.

Let's say we have 2 autopay journals and total balance of the journals is more than amount of order. For example, if the first journal has no enough positive balance to cover this amount, it will take only the amount equal to its balance and the remaining part will be reduced from the second autopay journal.