Daily use

On-account sales

Charge a register sale to a customer account after a credit-limit check. The invoice stays open in Business Central receivables until the customer pays.

updated: Oct 8, 2026applies-to: 1.0.0.141

An on-account sale charges part or all of a sale to a customer's account instead of collecting payment at the counter. Bitta Retail POS models it with standard Business Central receivables: the posted invoice stays open in the customer ledger, and the customer pays it later through your normal cash receipt process. This page covers the cashier flow, the credit check, and what is posted to Business Central.

Prerequisites

The BAA POS - User permission set, a signed-in register and items in the cart.
The On Account tender method (ONACCT) active and offered on this terminal. Setup creates it; a terminal with its own tender list must include it. In the demo company, DEMO-T1 offers it and DEMO-T2 does not.
A POS customer mapped to a Business Central customer that is not blocked. In the demo company, Demo Contractor LLC (DEMO-C2) has a credit limit of 5,000.

Charge a sale to an account

Choose Customer on the register. In Select POS Customer, type in Find customer and pick the customer. Choose New Customer only for someone who is not in the system yet; a new customer can charge on account only once it is mapped to a Business Central customer.

Select POS Customer lookup on the register listing the demo customers, including Demo Contractor LLC — *Step 1: attach the customer you are charging.*

Press Tender, tap On Account, and choose Add tender. With no amount entered, On Account takes the whole remaining balance; type an amount on the keypad first to charge only part and pay the rest with another tender.

Tender screen with an On Account line covering the whole sale for Demo Contractor LLC and the readout at Change Due — *Step 2: On Account takes the balance, or the part you enter.*

Press OK. The credit check runs, the sale completes, and the register confirms the charge, for example "12.00 charged on account to Demo Contractor LLC."

Register message confirming the amount charged on account to Demo Contractor LLC after the sale completed — *Step 3: the register confirms the charge.*

WARNING

Every new sale starts on the store's walk-in cash customer. If that customer is mapped to a Business Central customer, On Account is available on walk-in sales too and would charge the walk-in account. Always attach the customer you are charging before you tender.

When the sale's customer is not mapped, or the mapped customer is blocked, the On Account button is dimmed and hovering over it shows "Attach a mapped customer to charge to account."

The credit check

When you press OK, or before a card is charged in the same sale, Bitta Retail POS compares the customer's exposure plus this charge with the customer's credit limit:

Credit limit: the POS Credit Limit on the POS Customer Card when it is greater than zero; otherwise the Credit Limit (LCY) of the mapped Business Central customer. A limit of zero means no limit, and the charge is always allowed.
Exposure: the customer's posted balance in Business Central, plus on-account charges on the customer's other sales that are still open or completed but not yet posted by End of Day. Consecutive charges on the same day therefore count against the limit before they post.

What happens when the charge would go over the limit depends on On Account Credit Policy on the Discounts and Pricing FastTab of POS Setup:

Policy	Result
Block (default)	The charge is refused with the customer, the current balance, the balance after this charge and the limit. The sale is not completed and nothing is recorded; change the tender and try again.
Warn	The sale completes, and the confirmation adds the same over-limit explanation.
Allow	The sale completes without a warning.

To stop on-account sales to a customer altogether, block the customer in Business Central: a blocked customer cannot charge on account.

How an on-account sale posts

The ONACCT tender method points at the Business Central payment method ONACCOUNT, which setup creates with no balancing account. It also has Requires Customer turned on, so every charge is tied to a receivables customer.

POS Tender Method Card for ONACCT with Tender Type On Account, BC Payment Method Code ONACCOUNT and Requires Customer turned on — *The ONACCT tender method behind the On Account button.*

When End of Day posts the sale as a Sales Invoice, the on-account part does not settle into any cash or bank account. The customer ledger entry for that part stays open in Accounts Receivable, the customer's balance rises by the charged amount, and you apply the customer's later payment to it in the usual way.

With per-tender settlement, leave the Settlement Account No. of ONACCT blank: every other tender settles into its own account while the on-account share stays open in receivables. On Account is the only tender allowed to stay open this way. See Tender settlement and End of Day posting.

What's next

Print and reprint receipts: Print and reprint receipts. For the reports that show charges per tender, see All POS reports.