The Customer Lines of Credit feature in Appliance.io allows your store to extend personalized credit lines directly to customers — giving them the freedom to purchase now and pay later. It’s perfect for contractors, builders, or recurring business clients who frequently purchase in bulk. By offering store-issued credit, you create stronger customer loyalty and open the door for larger, repeat orders — all while keeping transactions organized and easy to manage.
📍 Accessing Customer Lines of Credit
To begin, open the sidebar and navigate to the Customer Hub page.
Find the customer you want to offer a credit line to and click into their profile.
Scroll down until you see the Credit Line tile.
Click Edit, and an Edit Credit Limit pop-up will appear — this is where you set up the credit details.
🧾 Step 1: Set Credit Limit
Enter the total amount you’d like to extend as a credit line.
For example, you can start with $7,500, though the system allows limits up to $10 million, giving you flexibility for both small accounts and major buyers.
Once entered, choose the payment terms:
NET 15
NET 30
NET 60
NET 90
By default, it’s set to NET 30, meaning payment is due within 30 days. However, you can adjust this to match your customer’s agreement. For instance, a contractor managing a long project might prefer NET 90.
After finalizing the amount and terms, click Save — and just like that, your customer now has an active credit line ready to use.
💳 Step 2: Apply Credit Line to an Order
When it’s time to make a purchase, select Credit Line as the payment option during checkout.
The system automatically checks whether the order total fits within the customer’s available credit.
If it exceeds the limit, a warning notification will appear at the top of the page — giving you a chance to adjust before finalizing the order.
You can also add a payment date and notes for tracking purposes.
Once everything looks good, click Apply Deposit/Payment to complete the transaction.
💡 Step 3: Identify Credit Line Orders
Orders made with a credit line display a red slashed-dollar icon — this indicates the balance hasn’t been fully paid.
Scroll to the payment section, and you’ll see a “NOT PAID” badge until the customer settles the outstanding amount.
When the customer is ready to pay, you’ll find a Pay Credit Line + button within the same tile.
Click it to process either a partial or full payment, selecting any accepted payment method.
Once fully paid, the order updates automatically with a Paid icon — simple, clean, and transparent.
⚠️ Step 4: Handling Returns
A quick reminder:
If an order made with a credit line is only partially paid, it cannot be returned until the balance is cleared — or a partial return and refund are processed first.
Always ensure the credit account is settled before issuing returns to avoid payment conflicts.
🎉 You’re All Set!
You’ve successfully set up, managed, and applied a customer credit line.
By offering flexible financing options, you make it easier for loyal customers to complete larger purchases — helping your business grow faster while maintaining control over accounts and payment schedules.