How You Can Apply Credits Up to Zero Amount Payments

When you submit a payment process request, you can enable the Apply credits up to zero amount payment option. Enabling the option causes the payment process to apply credits when the credits reduce the payment amount less than zero.

The following scenarios illustrate the impact of this option.

Invoice Amount Greater Than Credit Amount

An invoice for 200 USD and a credit memo for 125 USD are due for payment. The option setting has no effect because the payment amount with the applied credit is 75 USD, which is greater than zero.

Credit Amount Greater Than Invoice Amount

An invoice for 200 USD and a credit memo for 225 USD are due for payment.

The following table describes the payment processing that occurs based on the setting for the Apply credits up to zero amount payment option.

Setting	Payment Processing
Enabled	Applies 200 USD of the credit memo to the invoice and creates a payment for 0 USD. The remaining credit is 25 USD.
Disabled	Doesn't select the invoice or credit memo for payment because the credit reduces the payment to -25 USD, which is less than zero.

Note: If you centralize payment processing using the service provider model, invoices and credit memos are first grouped together across the invoice business units. The payment process then determines whether to apply the credits.