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Introduction

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.

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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
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
  • Client credit - top up, apply at checkout, refunds, ledger, and liability report
  • Gift cards - bearer codes vs client-bound balances
  • Reports - Client credit summary