Every customer has one credit balance, visible under My Account → My Credit. Credit spends itself first whenever an order is charged – if it covers everything, the card is never touched.
Credit arrives many ways: gift cards you create (Items → Gift Cards) that customers redeem with a code; offline payments – a customer tells you “I mailed a check / sent Venmo,” you press Received, credit appears; referral and host thank-yous; or any amount you add by hand.
The Unused Balances report (Analytics) shows what’s outstanding at any moment.
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