How to set up Customer accounts & account payments

stub lets you pre-load credit onto a customer's account - a running balance in their favour inside the system. When they're invoiced, that credit can be applied directly to reduce what they owe. No separate payment transaction needed.

Useful for deposits, advance payments, bulk pre-payments, and retainer arrangements.

Recording the payment to the customer's account

1. Go to Income and add a new income entry.
2. Set the type to Customer payment.
3. Select the relevant Customer.
4. Save.

The amount now sits as a credit balance against that customer's account.

Applying the payment to an invoice

1. Open (or create) the invoice for that customer.
2. Add a payment to the invoice.
3. Select Account payment as the payment type.
4. Enter the amount to draw down from the customer's available balance.
5. Save or update the invoice.

stub will reduce the invoice balance by that amount, drawing it from the customer's pre-loaded credit.

Worth knowing

• An account payment is not the same as a standard invoice payment (EFT, cash, card). It doesn't touch the bank account at the point of application -it moves a pre-paid amount across to settle the invoice.
• An invoice can carry both an account payment and a standard payment -useful when the pre-paid amount only covers part of the invoice total.

Why this matters?

Money often comes in before the invoice does. Account payments let you take it when it lands, and apply it properly when you bill.