[ADD] POS: customer credit as payment method

task-3090872

closes #13700

Signed-off-by: Loredana Perazzo (lrpz) <[email protected]>

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 +1,107 @@
+================
+Customer account
+================
+
+The **Customer account** feature allows customers to use their account to make purchases. They can
+deposit money for future purchases or select their account as a :doc:`payment method
+<../payment_methods>` to purchase items on credit and :ref:`settle the debt later <pos/settle_debt>`
+through a point-of-sale transaction or via an issued invoice.
+
+.. _pos/payment_method/configuration:
+
+Configuration
+=============
+
+To allow customers to pay using their customer account, :doc:`create a payment method
+<../payment_methods>` and configure it as follows:
+
+#. Enable :guilabel:`Identify Customer` to force the :ref:`selection of a customer <pos/customers>`
+   to allow using this payment method.
+#. Keep the :guilabel:`Journal` field blank to use the customer's receivable account.
+#. Select the points of sale where this payment method is available in the :guilabel:`Point of Sale`
+   field.
+
+.. note::
+   Set a maximum sales credit to prevent customers from exceeding a defined credit limit. Once the
+   maximum credit amount is reached, the selected customer button turns orange and a
+   :icon:`fa-warning` (:guilabel:`warning sign`) icon appears next to the customer’s name as a
+   warning. However, this warning does **not** prevent a sale from proceeding.
+
+.. seealso::
+   - :doc:`../../../finance/accounting/payments`
+   - :doc:`../../../finance/accounting/get_started/chart_of_accounts`
+
+Payment process
+===============
+
+Deposit money
+-------------
+
+To deposit money to the customer account from the POS interface:
+
+#. Click :guilabel:`Customer` and locate the desired customer in the list.
+#. Click the :icon:`fa-bars` (:guilabel:`hamburger menu`) icon, then select :guilabel:`Deposit
+   money`.
+#. Choose the payment method.
+#. When redirected to the payment screen, enter the amount to deposit using the keypad.
+#. :guilabel:`Validate` the transaction.
+#. Click :guilabel:`Yes` on the popup window to confirm.
+
+Customer account as payment method
+----------------------------------
+
+To use the customer account as a payment method for a purchase from the POS payment screen:
+
+#. Select the payment method :ref:`created for the customer account
+   <pos/payment_method/configuration>`.
+#. Click :icon:`fa-user` :guilabel:`Customer` to open the customer list and select the customer.
+#. Click the :guilabel:`Invoice` button.
+#. :guilabel:`Validate` the purchase.
+
+.. important::
+   To effectively monitor and manage the customer’s unpaid debt, either :doc:`create an invoice
+   <../receipts_invoices>` for the order or install the :doc:`Accounting application
+   <../../../finance/accounting>`.
+
+Debt tracking
+=============
+
+When a customer pays using their customer account, the purchase amount is recorded as debt until it
+is paid 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 :guilabel:`Customer Statement` report, go to :menuselection:`Point of Sale --> Orders
+--> Customers`, select a customer to open their form, and click the :guilabel:`Customer Statements`
+smart button.
+
+To view the total amount due or deposited by a customer from an open session, access the customer
+list by clicking :guilabel:`Customer` and search for the desired customer; the amount due or
+deposited is displayed next to their name.
+
+.. image:: customer_credit/customer-list.png
+   :scale: 60 %
+   :alt: customer list and summary of their customer accounts
+
+.. seealso::
+   :doc:`../../../finance/accounting/payments/follow_up`
+
+.. note::
+   When a customer is related to a company, the customer statement report might be related to the
+   company itself, and not the customer.
+
+.. _pos/settle_debt:
+
+Due amount settlement
+=====================
+
+To settle a customer's due amount, :ref:`register the payment from the invoice
+<accounting/payments/from-invoice-bill>` or, from the POS interface, follow these steps:
+
+#. Click :guilabel:`Customer` and search for the desired customer in the list.
+#. Click the :icon:`fa-bars` (:guilabel:`hamburger menu`) icon next to the customer's name.
+#. Select :guilabel:`Settle orders` or :guilabel:`Settle invoices`.
+#. Select the orders or invoices to settle.
+#. Click :guilabel:`Payment` and select the relevant payment method.
+#. Click :guilabel:`Validate`.
+#. Click :guilabel:`Yes` on the popup window to confirm the deposit of the payment received from the
+   customer.