Set Customer Credit Limits, Terms and Payment Reminders

Credit Is an Owner Policy

Customer Credit allows unpaid or partially paid sales to become customer balances. This is not just a setting; it is a collections process.

• Enable Customer Credit only after the owner approves who may owe money.
• Use named customers, not Walk-in, for credit sales.
• Set default limits and then override important customers individually when needed.
• Review outstanding customers daily or weekly according to shop policy.
• Do not let cashiers use unpaid sales to bypass payment reconciliation.

Set Credit Rules

1. Open Settings -> Features and enable Customer Credit.
2. Open Settings -> Customer Credit.
3. Enter Default credit limit. Use 0 only when no default cap is intended.
4. Enter Credit terms in days. Use 0 only when no due-day rule is intended.
5. Save credit settings.
6. Create or edit a test customer and confirm credit behavior before live use.

Payment Reminders

Reminders can be sent by SMS or WhatsApp through configured providers. The screen states that a customer is never reminded twice in one day.

• Enable reminders only after SMS or WhatsApp has been configured and tested.
• Choose SMS or WhatsApp channel according to the customer's reachable phone data.
• Set Only remind dues over to avoid sending tiny-balance reminders.
• Use template variables {name}, {due}, {currency} and {shop}.
• Use Test dry run before Remind all.
• The source prevents reminding the same customer twice in one day.

Outstanding Customers

The outstanding list is the collection work queue. It shows customers, phones, due amounts and actions so managers can review who needs follow-up.

At the Till

• Select the customer before tendering a credit sale.
• Check due balance and credit limit if the sale is unpaid or partially paid.
• Use clear payment notes when collecting old balances.
• Review Sales History and Customer reports after credit transactions.
• Escalate over-limit or overdue customers to the manager.