Sell on a customer account

Spend store credit, put the remainder on a customer's slate, set a credit limit, and record repayments.

Updated 13 September 2026

Customer accounts keep two promises separate:

  • They owe you is the unpaid balance on their slate.
  • You owe them is store credit they can spend later.

Swipee never cancels one against the other behind your back, so the statement always explains both.

An owner or manager sets credit terms and issues store credit. Repayments and sales against an already configured account can be handled at the counter.

Enable buying on account

  1. 1
    Open Customers in the dashboard.
  2. 2
    Select the customer and open Account.
  3. 3
    Turn on Let them buy on account.
  4. 4
    Enter the maximum balance you are willing to carry.
  5. 5
    Save the terms.

The available amount is the credit limit less what the customer already owes. Store credit can still be spent even when buying on account is off.

Charge a sale to the account

  1. 1
    Build the basket and tap Charge.
  2. 2
    Choose Customer account.
  3. 3
    Find and select the customer.
  4. 4
    If they have store credit, choose whether to spend it first.
  5. 5
    Review From store credit and Added to what they owe.
  6. 6
    Choose Charge to this account.

If store credit covers only part of the total, the rest goes on the slate when the customer has enough available credit. Swipee refuses a sale that would exceed the limit.

Record a repayment

When the customer pays down the slate:

  1. 1
    Open their account in Customers.
  2. 2
    Under Take a repayment, enter the amount and an optional note.
  3. 3
    Choose Record payment.

This records the balance change; handle the actual cash, card, or mobile money in the normal way. If cash goes into an open drawer, record the corresponding pay-in with a clear reason.

Give store credit

Use Give store credit when the shop owes the customer value they can spend later. Enter the amount and why it was issued. Refunds on account may also put a surplus here automatically after the remaining debt is reversed.

Read the statement

Every sale, repayment, credit issue, credit spend, and refund leaves a line showing the balance and store credit afterwards. Use the transaction reference and actor name to answer a query without relying on memory.

Next steps

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Sell on a customer account | Swipee