Credit line (Business Edition)

A credit line is a payment method that provides the ability for a buyer to delay the payment settlement for all orders. The account holder is responsible for payment settlement on an outstanding balance on a credit line. If a credit line is used for payment, the seller debits the account for an order at the time of payment capture, and the account is credited during payment settlement.

Note: Payment settlement for credit lines is handled outside of WebSphere Commerce. The system does not keep track of the payment settlement status.

Allowing a credit line as a method of payment is configured as part of business account management. Purchase order numbers may be specified when paying for orders with credit lines, but a buyer is not required to use the credit line payment method when specifying a purchase order number. In order for a buyer to use a credit line as a method of payment, they must be authorized to use a contract, and the contract terms and conditions must specify that credit lines are allowed.

Note: Credit lines can be removed any time after the account has been created. This is one way to stop the use of the credit line if an account becomes delinquent.