Setup

Credit Limits

Different businesses might have their own credit management needs. Credit management allows you to reduce the credit risk by setting up the credit limit for your business customers. You can set up credit limits in your ERP system.

If a business customer places an order which exceeds his or her credit limit set in the ERP system, a customer will see a warning or error message in the shopping cart of the Sana web store. A warning message is also shown on all checkout steps.

Warning message

 NOTE

Starting from Sana 9.3.1 a warning message is shown on all checkout steps. It applies to "one step checkout" and "multistep checkout".

Error message


 NOTE

If the ERP system can strictly enforce the credit limit checks for customers by showing an error message instead of a warning, then customers will see the error message in the shopping cart of a Sana web store, when they exceed the credit limit, and they will not be able to place orders. If the error message is set for the credit limit checks in ERP, it will override the option selected in the Validate credit limits field in Sana Admin.

Credit limits must be set up in Sana Admin and in ERP. Credit limit and customer's balance are calculated in ERP and are used by Sana.

 NOTE

There might be some differences depending on the ERP system you are using. Sana has no influence on how credit limits and customer's balance are calculated in ERP. The default ERP logic is used. If credit limits are configured for the customers in the ERP system, they will be always calculated in ERP, regardless of the settings in Sana. In Sana Admin you can only control which message must be shown to a customer in the shopping cart when he or she exceeds the credit limit, and how customers should pay their orders when they exceed their credit limit.


Credit limits and other Sana features


Order processing strategies

All order processing strategies work with credit limits.

If you use the Default or Optimize for large orders order processing strategy, and a customer exceeds the credit limit, he or she will see a warning message in the shopping cart and on all checkout steps.

If you use the Optimize for fast ordering order processing strategy, and a customer exceeds the credit limit, he or she will not see a warning message in the shopping cart and on all checkout steps, but the amount a customer exceeded will be calculated in the ERP system once the order is created.

For more information about order processing strategies, see "Order Processing".

Sales quotes and orders

A customer with a credit limit can place orders and quotes as well as convert quotes to orders.

Quotes do not have any impact on credit limits. Only when a customer converts a quote to an order, the payment amount of this order will be considered. If the credit limit is exceeded, the customer will see a warning message, and will be asked to pay the order either on account or online via the payment gateway depending on the payment type that is used.

For more information about different sales documents supported by Sana, see "Order Processing".

Shop account roles

You can set up credit limits in the ERP system for a regular customer, account manager and for a sub-account. Unlike regular customers and account managers, sub-accounts can pay only on account.

For more information, see "Shop Account Roles".

Set up credit limits in Sana Admin

In Sana Admin click: Setup > Ordering & checkout > Ordering.

Credit limits can be set up only for B2B customers. See the field Validate credit limits. There might be some differences depending on the combination of settings Online order payments and Validate credit limits. See the table below. There you will learn how Sana validates the credit limit, when it is exceeded by a customer and it is set to show a warning message in the ERP system.

   Online order payments
Validate credit limits Amount based on prepayment rules Full amount paid on account  Full amount paid online 
Disabled     Prepayments are only supported by Microsoft Dynamics NAV, Microsoft Dynamics 365 Business Central and SAP ERP.

The warning message is not shown, but the credit limit is still calculated for a customer in ERP.

A customer goes through the usual checkout process.

If prepayment percentage equals to 0, then the Payment information (online payments) checkout step is not available and a customer has to pay full amount on account.

If a customer has some prepayment percentage, then the Payment information (online payments) checkout step is available and the prepayment amount that must be paid by a customer is shown.

The warning message is not shown, but the credit limit is still calculated for a customer in ERP.

A customer goes through the usual checkout process and pays full amount on account.

Not supported.

When you set the option Online order payments to Full amount paid online, the field Validate credit limits is not available.

Enabled with warning only A warning message is shown, informing a customer that he or she should pay the outstanding invoices.  A customer can also see the amount by which he or she exceeds the credit limit.

If prepayment percentage equals to 0, then the Payment information (online payments) checkout step is not available and a customer has to pay full amount on account.

If a customer has some prepayment percentage, then the Payment information (online payments) checkout step is available and the prepayment amount that must be paid by a customer is shown.

A warning message is shown, informing a customer that he or she should pay the outstanding invoices. A customer can also see the amount by which he or she exceeds the credit limit.

A customer pays on account.

Not supported.

When you set the option Online order payments to Full amount paid online, the field Validate credit limits is not available.

Enabled with online payment A warning message is shown, informing a customer that he or she should pay the order online through a payment gateway. A customer can also see the amount by which he or she exceeds the credit limit.

A customer has to pay full amount online through a payment gateway, even if the prepayment percentage is set for this customer in the ERP system.

A warning message is shown, informing a customer that he or she should pay the order online through a payment gateway. A customer can also see the amount by which he or she exceeds the credit limit.

A customer has to pay full amount online through a payment gateway, even if the option Online order payments is set to Full amount paid on account

Not supported.

When you set the option Online order payments to Full amount paid online, the field Validate credit limits is not available.


See also:

Microsoft Dynamics NAV: Credit Limits
Microsoft Dynamics AX: Credit Limits
Microsoft Dynamics GP: Credit Limit
Microsoft Dynamics 365 Business Central: Credit Limits
Microsoft Dynamics 365 for Finance and Operations: Credit Limits
SAP ERP: Credit Limits
SAP Business One: Credit Limit