Post-Pay Credit
Overview
Post-pay credit is a buy-now-pay-later credit line you extend to a trusted member. With it, a member can complete a sale even when their store credit balance is too low — the shortfall is drawn from their credit limit, and they settle the outstanding balance later.
It's granted per member, and it's an optional, advanced feature.
How it works
- You give a member a credit limit — the most they can owe at once.
- At the POS, when they pay with Store Value and their balance falls short, the difference is automatically drawn from their available credit.
- Their outstanding balance rises by that amount.
- Later, the member repays, and you record the payment — their outstanding balance falls again.
Post-pay credit is not a separate payment button. It works through the Store Value tender — the POS simply lets the member pay past their balance, up to their available credit, and shows "+ $X post-pay credit" in the payment modal.
Allow negative store credit must be on
Post-pay credit relies on Allow negative store credit in Merchant Settings. Review the negative-balance limits and reminders there before enabling it for members.
Default setup
Post-pay credit is a lending feature — set it up deliberately, member by member:
- Decide which members you trust with a credit line.
- Grant a credit limit to a member. Today this is done from the POS.
- The member can now pay short at checkout, drawing on their credit.
- When they pay you back, record the repayment so their balance clears.
Monitoring it
Two reports keep you in control:
| Report | What it shows |
|---|---|
| Post-Pay Credit Report | Every credit account — total limits, total outstanding, who has a balance — plus recent credit transactions. |
| Credit Statement | A printable per-member statement for a date range: opening and closing balance, charges, and payments. |
Both are under the Reports menu in the admin.
Related
- Store Credit — post-pay credit extends the store-value balance.
- Merchant Settings — negative-balance limits and reminders.
- At the Counter — paying with store credit and post-pay.