[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 +1,87 @@
+===============
+Customer credit
+===============
+
+Odoo offers a method for granting credit to customers. This feature allows customers to acquire
+items while incurring a debt to 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,
+
+#. :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 this payment method is used.
+
+Once configured, you can process a credit sale by selecting this payment method after a customer
+makes a purchase.
+
+When this occurs, the following accounting entries are generated:
+
+- 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,
+
+#. 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. Nevertheless, this warning does **not** prevent
+the sale from proceeding.
+
+Debt tracking
+=============
+
+This 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,
+
+#. Go to :menuselection:`Point of Sale --> Orders --> Customers`.
+#. Select a customer to open their form.
+#. Click :guilabel:`Customer Statements` in the top bar. There, you can view a report detailing all
+   invoiced outstanding payments that need to be settled.
+
+.. warning::
+   If you haven't generated an invoice for the order, the :guilabel:`Customer Statements` report
+   remains empty.
+
+From an open session, access the customer list by clicking :guilabel:`Customers` The total amount
+due from each customer is visible next to their name.
+
+.. _pos/settle_accounts:
+
+Settle due accounts
+===================
+
+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` icon (:guilabel:`hamburger menu`) next to the desired customer.
+#. Select :guilabel:`Settle due accounts`.
+#. Choose the payment method.
+#. Click :guilabel:`Validate`.
+
+Then, click :guilabel:`Yes` to confirm the deposit of the payment received from the customer.