How to Setup Credit in AgencyHandy

Offer services through a prepaid credit system: create packages, set conversion rates, and let clients purchase and spend credits on services and invoices.

Credits enable you to offer services through a prepaid system. You create credit packages with a price, set conversion rates that define how many credits one unit of currency buys, and clients purchase credits in advance. When a client orders a service or pays an invoice, AgencyHandy converts the price into credits, deducts the required amount, and records every transaction in a complete audit trail.

How credits work

The credit system has three components:

• Credit packages: bundles of credits that clients purchase (for example, 500 credits for $50).
• Conversion rates: rules that convert a service’s currency price into credits (for example, 1 USD = 10 credits).
• Credit balance: the credits available to a client to spend on services or invoices.

Example: A service costs $3.51 and the conversion rate is 1 USD = 10 credits.

$3.51 × 10 = 35.1 credits → rounded up to 36 credits

AgencyHandy always rounds up to the nearest whole credit.

Credit Page

Enable credit payments

Before clients can purchase or use credits, you must turn the feature on.

1. Navigate to Credits

   In the left sidebar, go to Credits.

2. Turn on the toggle

   Enable the Allow Credit Payment toggle.

Toggle to turn on credit payment

When enabled, clients can:

• See their credit balance widget in the client portal.
• Access the Credits page and purchase packages.
• Submit credit requests.
• Use Buy with Credit during service checkout.
• Use Pay with Credit on invoices.

When disabled, the credit widget and all credit options are hidden from the client portal. Existing credit balances are preserved, and clients can still use other payment methods.

Create credit packages

Credit packages are what clients purchase to load credits onto their account.

1. Open Credit Packages settings

   Navigate to Credits → Settings → Credit Packages.

2. Add a package

   Click + Package.

3. Fill in the details

   Enter a package name, the number of credits included, the currency, and the price.

4. Save

   Click Create.

Credit Package List View

Create Credit Package

Manage conversion rates

Conversion rates determine how many credits are required for a service based on its currency price. You can set a different rate per currency.

1. Open Conversion Rates settings

   Navigate to Credits → Settings → Conversion Rates.

2. Add a rate

   Click + Add Conversion Rate.

3. Configure the rate

   Select a currency and enter the number of credits equivalent to one unit of that currency.

4. Save

   Click Save.

Conversion List Page

Add Conversion Rate Form

Example rates:

Currency	Rate
USD	1 USD = 10 credits
EUR	1 EUR = 9 credits
GBP	1 GBP = 12 credits

Only one active conversion rate can exist per currency at any given time.

Automatic vs manual credit purchases

How credits are added to a client’s account depends on the payment method used.

Automatic (no approval needed):

• Stripe
• PayPal

Credits are added immediately after a successful payment.

Manual (requires agency approval):

• Bank Transfer
• Cryptocurrency

When a client pays via a manual method, a credit request is created. You must review and approve it before credits are added.

Manage credit requests

1. Open credit requests

   Navigate to Billing → Credits.

2. Locate pending requests

   Review the client name, payment amount, and number of credits requested.

3. Approve or reject

   Click Accept to add the credits, or Reject to decline.

Credit Requests

Request statuses:

• Pending: submitted and awaiting review.
• Accepted: approved; credits have been added to the client’s balance.
• Rejected: declined; no credits were added.

View client credits

1. Open the client profile

   Navigate to Clients and click on a client’s name.

2. Go to the Credits tab

   Select the Credits tab.

Viewing Client Credit

The Credits tab shows the client’s available balance, full transaction history, running balance, and transaction references.

Understand credit transactions

Every credit activity is recorded in the client’s transaction history.

In: credits added to the account:

• Credit package purchase
• Approved credit request

Out: credits deducted from the account:

• Service purchased using credits
• Invoice paid using credits

Each transaction shows the date, type, reference, credit amount, and running balance, providing a complete audit trail.

Frequently Asked Questions

Can clients purchase credits when credit payments are disabled?

No. Clients cannot purchase credits while the Allow Credit Payment toggle is disabled.

What happens to existing balances when credit payments are disabled?

Existing balances remain unchanged. Clients simply cannot access or use the Credits feature until it is enabled again.

Are Stripe and PayPal purchases approved automatically?

Yes. Credits purchased through Stripe and PayPal are added automatically after successful payment.

Do Bank Transfer and Cryptocurrency purchases require approval?

Yes. These payment methods create a credit request that must be reviewed and approved by the agency.

Can agencies reject a credit request?

Yes. Agencies can approve or reject any pending credit request.

Can agencies view a client's complete credit history?

Yes. Agencies can review a client’s balance and transaction history from the Credits tab within the client profile.

What do In and Out transaction types mean?

In indicates credits added to the client’s account.

Out indicates credits deducted from the client’s account.

Why don't clients see the Buy with Credit option?

The agency may have disabled credit payments, or the client may not have sufficient credits available.

Why don't clients see the Pay with Credit option on invoices?

The agency may have disabled credit payments, or the client may not have sufficient credits available to cover the invoice amount.