> ## Documentation Index
> Fetch the complete documentation index at: https://docs.bellabooking.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Client Credit Settings

> Activate client credit, set top-up amounts, and configure top-up bonus tiers

The **Client credit** settings page turns on prepaid balances for your location and configures how clients top up.

Client credit is a **business-owned balance** on each client profile - your team tops it up at the till, and it applies automatically at checkout and on Add sale. For day-to-day use (top-ups, refunds, ledger, liability report), see [Client credit](https://docs.bellabooking.com/client-credit.md).

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## Accessing Client credit settings

1. Go to **Settings** in the sidebar
2. Click **Client credit**

**Access:** needs the **Manage settings** permission, and a plan that includes client credit (Professional, including trial).

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## Activating client credit

1. Switch **Client credit** to **Active**
2. Configure top-up amounts and optional bonuses (below)
3. Click **Apply** in the bar at the bottom of the screen

When **Paused**:

* Your team can't add credit: no top-ups, no goodwill credit and no refunds to credit
* A membership plan can't be saved with a **Credit** benefit, and a plan that already adds credit can't be sold or switched to, at the till or online
* **Credit a client already holds stays spendable** at checkout and on Add sale - client money is never stranded
* **Adjust balance** on the client's Wallet tab can still take credit off, to write a balance off or pay it out
* A credit-paid sale that is refunded in full or voided still returns the credit to the balance
* Members of a plan that already adds credit keep receiving it with each payment. See [Membership credit](https://docs.bellabooking.com/memberships.md#membership-credit)

If your Bella plan no longer includes client credit, your team can't add credit either, and credit a client already holds still comes off at checkout and on Add sale. The client's Wallet keeps showing a held balance so you can write it off or pay it out.

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## Top-up amounts

Set the **quick-pick presets** your team sees when topping up (for example 50 / 100 / 200 in your business currency).

Optionally allow a **custom amount** with a minimum and maximum so your team can enter values outside the presets.

Top-ups are settled at the till by **cash, manual card, or other**, or by charging a **card on file**. Connecting online payments is not required to take a top-up.

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## Top-up bonuses

Optional **bonus tiers** reward bigger top-ups - for example *"top up 100, get 10 extra"*.

* Each tier has a **threshold** and a **bonus** (flat amount or percentage of the top-up)
* The **highest tier at or below the top-up amount** applies - bonuses do not stack
* Bonus credit is tracked separately from the client's own money and is **spent first** at checkout
* Bella blocks tiers that could be gamed (a bigger top-up can never earn a smaller bonus), and every threshold must sit within your top-up range

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## Related

* [Client credit](https://docs.bellabooking.com/client-credit.md) - top up, apply at checkout, refunds, ledger, and liability report
* [Gift cards](https://docs.bellabooking.com/gift-cards.md) - bearer codes vs client-bound balances
* [Reports](https://docs.bellabooking.com/insights/reports) - Client credit summary


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