> ## 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

## 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. For day-to-day use (top-ups, refunds, ledger, liability report), see [Client credit](/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 and above, 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 **Save**

When **disabled**:

* No new top-ups can be taken
* **Existing balances stay spendable and refundable** — client money is never stranded
* The Wallet → Credit tools remain available for spend and refund flows

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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 staff 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](/client-credit) — top up, apply at checkout, refunds, ledger, and liability report
* [Gift cards](/gift-cards) — bearer codes vs client-bound balances
* [Reports](/insights/reports) — Client credit summary