An overpayment becomes credit

The client paid more than the open invoices ask for.

Track

Credit creation

Phase

Keep the extra

Starts with

Payment above the ask

Ends with

Available client credit

The situation

A transfer covers the deposit and a bit more. The extra must not disappear.

A validated payment exceeds what it covers.

AccountingSystemClient

1
Accounting validates the payment
Accounting
The usual register and allocation rules apply.
2
SettleWise fills the invoices the payment covers
System
Oldest due invoice first.
3
SettleWise turns the remainder into available credit
System
This is the key moment of the journey: the extra gets a home. This is the key moment of the journey.
4
The client balance shows the credit, and reminders mention it
System
The credit is not applied automatically to other invoices.

Accounting

Owns money movement, registers, and reconciliation.

System

Automates emails, matching, reminders, and sync.

Client

Receives invoices, reminders, and payment links.

Accounting

The payment split into invoice allocation and credit.

Why: Know where every peso went.

Client

Reminders mention the credit already available.

Why: Not feel charged twice.

Extra money becomes credit. It is never lost or ignored.