[ADD] POS: customer credit as payment method

task-3090872

Author: LoredanaLrpz

content/applications/sales/point_of_sale/payment_methods.rst

@@ -29,5 +29,6 @@ under the :guilabel:`Payments` section.
 .. toctree::
    :titlesonly:
 
+   payment_methods/customer_credit
    payment_methods/qr_code_payment
    payment_methods/terminals

content/applications/sales/point_of_sale/payment_methods/customer_credit.rst

@@ -0,0 +1,75 @@
+===============
+Customer credit
+===============
+
+Odoo offers a way to provide customers with credit. This feature allows them to purchase items by
+incurring a debt toward the company while settling this debt later, either directly through a POS
+transaction or by settling a generated invoice.
+
+Configuration
+=============
+
+To allow customers to pay on credit,
+
+#. :doc:`Create a payment method <../payment_methods>`.
+#. Tick the :guilabel:`Identify Customer` checkbox.
+#. Leave the :guilabel:`Journal` field empty.
+
+Default credit limit
+--------------------
+
+To limit the maximum sales credit, go to :menuselection:`Accounting --> Configuration --> Settings`,
+scroll down to the :guilabel:`Customer Invoices` section and tick the :guilabel:`Sales Credit
+Limit` checkbox. Then, enter the desired maximum amount in the :guilabel:`Default Credit Limit`
+field.
+
+When the cart value exceeds the defined maximum amount, or the customer has already contracted more
+than the maximum amount, a warning appears next to the customer's name. However, this warning does
+**not** prevent making the sale.
+
+Usage guidelines
+================
+
+To make a sale on credit, add products to the cart, select a customer, and proceed to payment using
+the dedicated payment method.
+
+When you make a sale on credit, the following accounting entries are created:
+
+- A debit in Accounts Receivable is generated.
+- A credit in the Income account is generated.
+
+When you later settle the invoice (i.e., receive payment from the customer), the following
+accounting entries are created:
+
+- A debit in an Outstanding Account is generated.
+- A credit in Accounts Receivable is generated.
+
+.. note::
+   To ensure proper tracking and management of the customer's outstanding debt, generate an invoice
+   for the order or activate the Accounting application.
+
+.. seealso::
+   :doc:`../../../finance/accounting/get_started/chart_of_accounts`
+
+Customer statements
+-------------------
+
+This amount is considered a debt until the customer pays it off. To know how much a customer owes,
+go to :menuselection:`Point of Sale --> Orders --> Customers`, select a customer to open the form,
+and click :guilabel:`Customer Statements` on the top bar. There, you can see a report with all
+invoiced outstanding payments that need to be settled.
+
+.. warning::
+   If you did not generate an invoice for the order, the Customer Statements will remain empty.
+
+Alternatively, from an open session, click :guilabel:`Customers` to open the list of customers. The
+total due amount is displayed right from their name.
+
+Settle due accounts (18.0, settle due orders/invoices 18.1+)
+------------------------------------------------------------
+
+Settlement can be made by paying the invoice, but also from an open POS session. To do so, click
+:guilabel:`Customers`, click the :icon:`fa-bars` icon (:guilabel:`hamburger menu`), select
+:guilabel:`Settle due accounts`, choose the payment method, and click :guilabel:`Validate`.
+
+Then, click :guilabel:`Yes` to confirm the deposit of the payment received from the customer.