> ## Documentation Index > Fetch the complete documentation index at: https://docs.fusioncore.us/llms.txt > Use this file to discover all available pages before exploring further. # Account Credit > Track credit balances as Credit records, create them by refunding to Account Credit, and apply them as a payment method on future orders. ## Overview An **Account Credit** tracks a credit balance you can apply toward a future order — useful for refunds, overpayments, loyalty rewards, or goodwill adjustments. It is stored as a `FCORE_PAY__Credit__c` record tied to an Account or a Contact, and it can be used as a payment method when that customer makes a later purchase. Account Credits help you manage scenarios like event cancellations, membership changes, and promotional incentives while keeping your financial records transparent. * **Account Credit** (`FCORE_PAY__Credit__c`) — a record that holds a credit balance for one Account or Contact. It has its own object. * **Overall Credit** (`FCORE_PAY__Overall_Credit__c`) — the total credit amount originally recorded. * **Credit Used** (`FCORE_PAY__Credit_Used__c`) — how much of the credit has already been applied to orders. * **Available Credit** (`FCORE_PAY__Available_Credit__c`) — a formula field equal to **Overall Credit** minus **Credit Used**. This is the amount you can still spend. * **Customer Type** (`FCORE_PAY__Customer_Type__c`) — marks whether the credit belongs to an Individual (a Contact) or an Organization (an Account). It must match the order it pays for. ## Refunding to Account Credit You do not build a Credit record by hand. A `FCORE_PAY__Credit__c` is created automatically when you process a **Refund** Financial Event using the **Account Credit** payment method and then **approve** it (so it reaches **Succeeded**). A **Financial Event** is the record fusionCore uses to track money movement. Click the **App Launcher** (the nine dots at the top left), type `Financial Events`, and select it. App Launcher search showing the Financial Events result Open a **Financial Event** record detail page. At the top right, click **Refund**. A new page opens to begin the refund. Refund button at the top right of a Financial Event detail page Fill in the refund details. For **Choose Method**, select **Account Credit**. When everything is complete, click **Process Refund**. Refund screen with Account Credit selected as the method The refund appears on the Financial Event detail record. At the top right, click **Approve**. Approve button at the top right of the Financial Event Refresh the page. The **Account Credit** record now appears. Account Credit record created after approving the refund The Credit is created only when the refund reaches **Succeeded**. Approving the refund is what moves it to Succeeded and triggers the Credit. ## Paying with Account Credit You can pay for an order with an existing Account Credit instead of a card or other method. On the **Order Payment** screen, you select **Account Credit**, choose the Credit record to draw from, and process the payment. The order draws down the Credit's **Available Credit** (`FCORE_PAY__Available_Credit__c`). On the **Order Payment** screen, select **Account Credit** as the payment method. Order Payment screen with Account Credit selected as the payment method Choose an **Account Credit** record to use for the transaction. List of Account Credit records available for the order payment Verify the details on the **Order Payment** detail page, then click **Pay**. Click **Process Payment**. Process Payment step for an Account Credit payment A Credit only appears for selection when **both** of these match the order: * **Customer Type** (`FCORE_PAY__Customer_Type__c`) — Individual or Organization. * **The specific customer record** — the **Contact** for an Individual order, or the **Account** for an Organization order. If either differs, the Credit does not appear. ## Limitations and Common Pitfalls * **The payment cannot exceed Available Credit.** If the payment amount is larger than the Credit's **Available Credit** (`FCORE_PAY__Available_Credit__c`), the payment is rejected. Reduce the amount to the available balance, or apply another payment method for the remainder. * **Customer Type and customer record both have to match.** A Credit tied to one Account or Contact cannot pay for another customer's order, even when the Customer Type is the same. * **A Credit is only created from an approved refund.** Processing a refund with the Account Credit method is not enough on its own — the refund Financial Event must be approved to **Succeeded** before the Credit appears. ## Related Features Refunding with the Account Credit method is what creates a Credit record. Account Credit is one of the payment methods you can take on an Order.