Using Credit Accounts in B2B eCommerce Portal Transactions

The DEAR B2B eCommerce portal enables your customers to browse and order from your catalogue 24/7. For more information, see DEAR B2B Online Portal.


Customer credit is money that you owe to the customer, and which can be used against future payments. See Customer Credits for more information.


Your customers can already use credit accounts for DEAR and DEAR POS transactions. That capability has now been extended to B2B Online Portal transactions. Customers must have earned customer credits to be eligible to pay with a credit account.


As in DEAR and DEAR POS, this feature is only available to customers that are NOT on Credit Hold or with credit accounts that are NOT in a Credit Limit Exceeded state. Thus, customers with delinquent credit accounts are barred from using this feature.


Prerequisites


Table of Contents


Settings Related to Credit Accounts

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There are several settings related to credit accounts that must be set first before they can be used on the B2B Portal. These are discussed in more detail below.


B2B Portal Integration

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Before you can use credit accounts on the DEAR B2B Portal, the following options must be set on the DEAR B2B Integration page:

  • Create Sale as must be set to Authorised Invoice. Credit accounts cannot be used for payments if Credit Sale as is set to either Authorised quote or Authorised order.
  • Payment methods must include a Credit Account type.

By default, customers that have exceeded their credit limit are barred from accessing the B2B Portal itself through the Allow customer to access portal when on credit hold setting, which is set to No by default. If you want your customers to continue accessing your B2B Portal even when they are on credit hold, set this option to Yes instead.


NOTE: Customers on credit hold can still use payment methods other than Credit Accounts for their B2B Portal transactions.


Customers

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Customer credit is money that you owe to the customer, and which can be used against future payments. To limit the amount that customers can pay with a credit account, customers must have a credit limit imposed on that account.


Customers that have been put on credit hold are barred from using their credit accounts for their B2B Portal transactions.


Both credit limit and credit hold are set on individual Customer records, which are accessible from Sale>Customers.


NOTE: Customers must have earned customer credits to be eligible to pay with a credit account. See Customer Credits for more information.


Paying with a Credit Account

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Once DEAR is set up to handle credit accounts (see Settings Related to Credit Accounts), your customers can use these accounts to pay for their transactions on the B2B Portal.


To pay with a credit account, customers only need to select Credit Account as the payment method during the checkout process. This is subject to the following requirements:

  • There is a balance on the credit account.
  • The customer's credit limit has not been exceeded.

Customers cannot use their credit account during checkout if the following is true:

  • The credit balance is either 0 or less than the transaction amount.
  • The credit limit has been exceeded.

In these cases, the customer will need to use another payment method.


NOTE: Customers that have been put on credit hold are not allowed to buy anything on the B2B Portal until all outstanding invoices charged to their accounts have been paid.


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