Credit Lines in Appliance.io let you extend store-approved credit to your customers, allowing them to purchase now and pay later. This is especially useful for contractors, builders, and repeat buyers who need appliances for larger projects. With Credit Lines, you stay in control of limits, terms, and payments — all directly from the platform.
📍 Accessing Credit Line
To get started, open the sidebar and click Customer Hub.
Find the customer you want to offer a Credit Line to and click their name to open their profile. Scroll down until you see the Credit Line section, then click Edit.
This opens the Edit Credit Limit window, where you’ll configure the customer’s credit details.
💡 Important:
Before setting up or using a customer credit line, make sure the Credit Line toggle is enabled in your Payment Settings. This setting ensures the Credit Line option appears at the Point of Sale (POS) for your customers to use.
To verify:
Go to Settings → Payments
Find the Credit Line option
Toggle it ON
🧾 Setting Up a Credit Line
In the Edit Credit Limit pop-up, you’ll define two key things:
Credit Amount
Enter the total credit limit you want to assign.
The maximum available credit limit is $10 million, giving you plenty of flexibility for large accounts.
Payment Terms
Choose how long the customer has to pay back the balance:
Net 15
Net 30 (default)
Net 60
Net 90
Select the option that fits your agreement with the customer.
Once everything looks good, click Save.
Your customer now has an active Credit Line ready to use.
💳 Using a Credit Line at Checkout
When placing an order, you can apply the customer’s Credit Line during checkout.
Select Credit Line as the payment method, then choose one of the following options:
50% Down – Pay half now and the rest later
Paid in Full – Cover the entire order using the Credit Line
Use All Credit Lines –
If the order total is less than the available credit, the full amount is covered
If the order total exceeds the credit limit, the credit applies like a "discount."
💡Important:
If the Credit Line does not fully cover the order total, you won’t be able to use it again on the same quote. You’ll need to complete the remaining balance using another payment method before converting the quote into an order.
When ready, click Apply Deposit / Payment to complete checkout.
🔍 Tracking Credit Line Orders
Orders placed using a Credit Line are easy to identify.
You’ll see a red slashed-dollar icon, indicating the balance hasn’t been fully paid yet.
Scroll down to the Payments section, where you’ll notice a Not Paid badge. This remains visible until the Credit Line balance is cleared.
To make changes, click Manage Payment.
A pop-up will appear, allowing you to edit or delete the payment if needed.
💰 Paying Off a Credit Line
Once the customer is ready to pay, look for the Credit Line tile in the Payments section. Click Pay Credit Line +.
This works just like the Apply Deposit / Payment flow.
From here, you can:
Choose a payment method
Make a partial payment or pay the full balance
Click Apply Deposit / Payment to finalize.
Once the balance is fully paid, you’ll see a Paid icon in the Credit Line section.
⚠️ Important Notes on Returns
If an order placed using a Credit Line is only partially paid, it cannot be returned yet.
Before processing a return, you must either:
Fully pay off the remaining Credit Line balance, or
Process a partial return and refund first
Make sure the balance is settled before handling returns to avoid issues.
🎉 You’re All Set!
Credit Lines give you the flexibility to support trusted customers while maintaining full control over payments and limits. From setup to checkout to final payment, everything is managed seamlessly inside Appliance.io.
Offer smarter payment options, close larger orders, and build long-term customer relationships — all with Credit Lines.