Customer Credit

Regular customers can have prepaid credit on their customer account. The credit is automatically deducted during purchases — faster than cash or card, and ideal for regulars, business customers, and employees.

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💰 Two-Account System

Customer credit in DiKAS consists of two separate accounts:

Account	Description	Top-up	Payable?
Cash account (AccountBalance)	Deposited credit	Cash, card, bank transfer	Yes
Bonus account (BonusBalance)	Gifted top-up bonus	Automatically on top-up	No

Why Two Accounts?

The cash account contains real money that the customer has deposited. The bonus account contains the top-up bonus that you grant as an incentive. The bonus cannot be paid out — it can only be used for payment. This protects you from misuse.

Tax Treatment

Transaction	VAT	Tax significance
Top-up	0%	Prepayment — no VAT (liability)
Bonus credit	0%	Discount promise — no revenue yet
Paying with credit	Standard VAT	Revenue only arises upon purchase of articles
Bonus consumption	19%	Shown as a discount article on the receipt

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Topping Up Credit

At the POS

1. Select customer (Customer button → search → select)
2. Select article "Top up credit"
3. Enter amount (e.g., 50.00 EUR)
4. "Pay" → Cash or card
5. The credit is immediately added to the customer account

Top-Up Bonus

If a top-up bonus is configured, the bonus is calculated automatically:

Top-up:              100.00 EUR
+ Bonus (10%):        10.00 EUR
+ Bonus (fixed 5 EUR): 5.00 EUR
─────────────────────────────────
New balance:         115.00 EUR
  of which cash:     100.00 EUR
  of which bonus:     15.00 EUR

Bonus Configuration

The bonus is configured per top-up article:

Setting	Description	Example
CardUploadPercent	Percentage bonus on the top-up amount	10 = 10% bonus
CardUploadAmount	Fixed bonus per top-up	5 = 5.00 EUR bonus

Both bonus types can be combined. The bonus is automatically credited to the bonus account.

In Admin

Admin → Customers → [Select customer] → Credit

Here you can:

Action	Description
View balance	Cash account and bonus account separately
Book correction	Manually increase/decrease credit (e.g., for complaints)
Transaction history	All transactions: top-ups, usage, corrections, payouts

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Paying with Credit

Workflow

1. Select customer (before paying!)
2. Select articles → "Pay"
3. If the customer has credit, DiKAS deducts it automatically from the invoice amount and shows the deduction at the top of the payment dialog:

Amount:              35.00 EUR
Customer credit:    -35.00 EUR
─────────────────────────────
To pay:              0.00 EUR

1. If the remaining amount is 0.00 EUR, the transaction is completed directly. If a remainder is left, select cash/card for the difference.

ℹ️ Customer credit is not a payment method button to select — it is automatically applied as soon as a customer with credit is selected.

Which Account Is Charged First?

DiKAS uses the credit in this order:

1. Cash account first (deposited money)
2. Bonus account second (gifted bonus)

When bonus is consumed, a discount article "Top-up bonus" automatically appears on the receipt. This shows the bonus portion with 19% VAT as a negative amount.

Example: Mixed Deduction

Purchase:              35.00 EUR

Cash account before:   20.00 EUR
Bonus account before:  15.00 EUR

Deduction:
  from cash account:   20.00 EUR
  from bonus account:  15.00 EUR  → Discount article "Top-up bonus" -15.00 EUR

Cash account after:     0.00 EUR
Bonus account after:    0.00 EUR

Credit Insufficient → Automatic Split Payment

If the total credit (cash + bonus) is not enough for the invoice amount, DiKAS automatically opens a split payment: the available credit is fully applied and the remaining amount is collected in your chosen payment method (cash, card, …). The payment dialog shows this clearly:

Split payment — credit insufficient
  Customer credit:   35.00 EUR
  Remaining amount:  10.00 EUR
─────────────────────────────────────────
Pay remainder with:  [ Cash ] [ Debit card ] …

1. Customer with credit is selected → credit is automatically applied (at a table: via the credit button)
2. If it does not cover the amount, the split view appears with credit portion and remaining amount
3. Tap the payment method for the remainder and confirm — both partial payments appear on one receipt

Allow Credit

For particularly trusted customers, you can enable "Allow credit" in the customer details and set a credit limit. The customer can then order on credit even without a balance.

Setting	Description
Allow credit	Yes/No — may the cash account go negative?
Credit limit	Maximum negative amount (e.g., 100.00 EUR)

⚠️ Known limitation: When paying via customer credit at the POS, the credit limit is currently not checked — if the available credit is insufficient, the credit payment is declined. For credit/account customers use the payment method House tab (on account) instead.

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Paying Out Credit

If a customer wants their remaining credit paid out, there are two ways:

Way 1 — In Admin (partial amount possible):

1. Admin → Customers → [Customer] → Credit
2. Click "Payout"
3. Enter amount (up to the cash account balance)

→ The bonus credit is retained here.

Way 2 — At the POS (entire cash account):

1. Select customer → a payout symbol appears next to the customer name
2. Tap it → the entire cash account is booked as a cash payout (no partial amount possible)

⚠️ Important: - Only deposited credit (cash account) can be paid out — bonus credit is not payable. - With the POS payout (Way 2) any existing bonus credit is retained (no longer forfeited) — only the cash account is paid out. - If the cash balance is insufficient for the requested payout, an error message is shown (no silent abort).

Rules in detail:

Rule	Description
Cash account only	Only deposited credit (cash account) can be paid out
No bonus	Bonus credit is not payable
Maximum	Payout up to the cash account balance only
Booking	Logged as a payout transaction (type 5)
Receipt	A payout receipt is created

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Transaction Types

All credit movements are logged seamlessly:

Type	Name	Description
0	Top-up	Credit deposited (cash/card)
1	Usage	Credit used for payment
2	Correction	Manual adjustment (Admin)
3	Bonus top-up	Top-up bonus credited
4	Bonus usage	Bonus consumed during payment
5	Payout	Credit paid out to customer

Each transaction contains the balance after (BalanceAfter, BonusBalanceAfter) — so the account balance is traceable at any point in time.

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⭐ Customer Points (Loyalty Program)

In addition to credit, customers can automatically collect loyalty points.

Earning Points

Points are credited with every purchase — based on the point value of the respective article:

Article	Points per unit	Example
Coffee	1	3× Coffee = 3 points
Pizza	2	1× Pizza = 2 points
Water	0	No points

Redeeming Points

Articles with a negative point value can be "purchased" with points:

Reward	Point cost	Description
Free coffee	-10 points	Costs 10 points
Free dessert	-20 points	Costs 20 points

1. Select customer
2. Select reward article (e.g., "Free coffee")
3. DiKAS checks whether enough points are available
4. Points are deducted, article is added to the receipt

Points Configuration

Point settings can be found under Admin → Settings → Customers:

Setting	Description
Points per article	Configured directly on the article (field "Points")
Points redemption	Negative point value on the reward article

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Practical Examples

Loyalty Program for a Café

Goal: Retain regulars, increase repeat purchase rate.

Setup: - Top-up article: "Top up credit", bonus 10% - Points: 1 point per coffee, "Free coffee" costs 10 points

Daily operation: 1. Regular guest Mrs. Weber tops up 50 EUR → receives 5 EUR bonus → Total balance: 55 EUR 2. Every morning: Cappuccino (3.80 EUR) paid with credit → 1 point 3. After 10 visits: 10 points → Redeem "Free coffee" 4. Credit lasts for about 14 coffees instead of 13 (thanks to 10% bonus)

Benefit for the business: Mrs. Weber has paid 50 EUR in advance and is guaranteed to return.

B2B Catering Customer with Credit

Goal: Serve a business customer without prepayment, settle monthly.

Setup: - Customer: "Baufirma Schmidt GmbH" - Payment on account via House tab - No top-up bonus (B2B)

Daily operation: 1. Company employees come for lunch, order, and pay with "House tab" (on account) 2. The amounts accumulate on the customer account as open items 3. At month's end: Admin → Accounting → Create invoice 4. Company transfers payment → the payment is assigned to the invoice

Disco Cards with Credit

Goal: Guests top up cards and pay contactlessly in the club.

Setup: - NFC cards with customer assignment - Top-up article with 0% bonus (or 5% as incentive) - Credit: No (prepayment only)

Daily operation: 1. Guest buys NFC card and tops up 30 EUR 2. At the bar: Scan card → Order beverage → Automatically deducted from credit 3. At the end of the night: Remaining balance is preserved (next visit) 4. Payout on request at the POS (cash account only)

Employee Meals

Goal: Employees receive a meal subsidy.

Setup: - Create employees as customers - Top up 100 EUR monthly (correction booking in Admin) - No top-up bonus (already a subsidy) - No credit allowed

Daily operation: 1. Employee scans badge or enters personnel number 2. Orders lunch → Pays with customer credit 3. At month's end: Payroll reviews consumption via transaction history

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Frequently Asked Questions

Can a customer use credit and a voucher at the same time? Yes. You can combine customer credit + voucher + cash/card in a single transaction.

What happens if a customer is deleted? The credit is forfeited. Before deletion, the remaining credit should be paid out.

Can multiple people use the same account? Yes, if they select the same customer. Typical for families or company accounts.

Where can I see all credit balances? Admin → Customers → Customer list shows the current balance of each customer. Via reports, you can also generate a summary report of all balances.

How do I book a refund to the customer account? Admin → Customers → [Customer] → Credit → "Book correction" → Enter a positive amount.

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Next Step

→ Kitchen Printer & Kitchen Display — Sending orders to the kitchen