[ADD] POS: customer credit as payment method

task-3090872

Author: LoredanaLrpz

content/applications/sales/point_of_sale/payment_methods.rst

@@ -29,5 +29,6 @@ under the :guilabel:`Payments` section.
 .. toctree::
    :titlesonly:
 
+   payment_methods/customer_credit
    payment_methods/qr_code_payment
    payment_methods/terminals

content/applications/sales/point_of_sale/payment_methods/customer_credit.rst

@@ -0,0 +1,85 @@
+===============
+Customer credit
+===============
+
+The **Customer credit** feature allows customers to purchase items and incur a debt with the
+company, which can be :ref:`settled later <pos/settle_accounts>` either through a point-of-sale
+transaction or via an issued invoice.
+
+Configuration
+=============
+
+To allow customers to pay on credit, follow these steps:
+
+#. :doc:`Create a payment method <../payment_methods>`.
+#. Tick the :guilabel:`Identify Customer` checkbox.
+#. Keep the :guilabel:`Journal` field blank, as there is no journal entry tied to a specific bank or
+   cash journal created when using the payment method.
+
+Once configured, a credit sale is completed by selecting this payment method after a customer's
+purchase. This action automatically generates the following accounting entries:
+
+- A debit in Accounts Receivable.
+- A credit in the Income account.
+
+Upon later settling the accounts (i.e., receiving payment from the customer), the following
+accounting entries are made:
+
+- A debit in an Outstanding Account.
+- A credit in Accounts Receivable.
+
+.. note::
+   To effectively monitor and manage the customer’s unpaid debt, either create an invoice for the
+   order or activate the :doc:`Accounting application <../../../finance/accounting>`.
+
+.. seealso::
+   :doc:`../../../finance/accounting/get_started/chart_of_accounts`
+
+Default credit limit
+--------------------
+
+To set a maximum sales credit, follow these steps:
+
+#. Go to :menuselection:`Accounting --> Configuration --> Settings`.
+#. Scroll down to the :guilabel:`Customer Invoices` section.
+#. Check the :guilabel:`Sales Credit Limit` checkbox.
+#. Enter the desired maximum amount in the :guilabel:`Default Credit Limit` field.
+
+A warning appears next to the customer’s name if the cart value surpasses the established maximum
+limit or if the customer has already exceeded it. However, the warning does **not** prevent the sale
+from proceeding.
+
+Debt tracking
+=============
+
+When a customer pays on credit, the purchase amount is considered a debt until the customer pays it
+off. To keep track of a customer’s debt, consult their customer statement in the backend or their
+profile in an open session. To access the **customer statements** report, follow these steps:
+
+#. Go to :menuselection:`Point of Sale --> Orders --> Customers`.
+#. Select a customer to open their form.
+#. Click :guilabel:`Customer Statements` in the top bar to view a report of all outstanding payments
+   that need settlement.
+
+.. warning::
+   Without an invoice generated for the order, the :guilabel:`Customer Statements` report remains
+   empty.
+
+To overview the total amount due by a customer from an open session, access the customer list by
+clicking :guilabel:`Customers` and use the search bar to look for the desired customer; the amount
+due is displayed next to their name.
+
+.. _pos/settle_accounts:
+
+Due accounts settlement
+=======================
+
+Settlement can be made by paying the generated invoice, but also from an open POS session. To do so,
+
+#. Click :guilabel:`Customers`.
+#. Click the :icon:`fa-bars` (:guilabel:`hamburger menu`) icon next to the desired customer.
+#. Select :guilabel:`Settle due accounts`.
+#. Choose the payment method.
+#. Click :guilabel:`Validate`.
+
+Finally, click :guilabel:`Yes` to confirm the deposit of the payment received from the customer.