How to Allow Overdraft on a Customer Account
An overdraft (credit allowance) can be enabled on a customer account to allow the balance to go into a negative amount. This is typically used for trusted customers or internal accounts requiring temporary credit.
Before You Begin
- You must be logged into the Facilipay Dashboard with admin permissions.
- Identify the customer account that needs overdraft access enabled.
Step-by-Step: Enable Overdraft
Open the Customers Section
From the Facilipay Dashboard, select Customers from the left-hand navigation menu.Locate the Customer
Search for or scroll to find the relevant customer. Click the three dots beside their name and select Edit Modifiers.Enable Credit Allowance
In the Edit Modifiers window:- Tick the Credit Allowed option
- Click Save
What Happens After You Save
The selected customer account can now go into a negative balance, allowing overdraft (credit) on transactions. The customer will continue to be able to make purchases even when their balance reaches zero.
Tips & Best Practices
Use sparingly: Reserve overdraft for trusted customers or known internal accounts — not as a default setting.
Set internal limits: Decide your internal credit limit before enabling overdraft and monitor balances regularly.
Disable when no longer needed: Return to Edit Modifiers to remove credit allowance once it's no longer required.