# Charge a POS sale to a customer's account Put a sale on a customer's account at the till and record any part paid separately Canonical URL: https://www.naayya.com/help-center/charge-a-pos-sale-to-an-account Category: payments Last updated: 2026-11-08T15:00:00Z # Charge a POS sale to a customer's account The account is the customer's wallet at your business. A sale on the account uses their gift card balance first, then their account credit. The rest is owed, up to the customer's limit. The customer sees what they owe as **Amount due** in their wallet, and a top-up pays it off first. See [Wallet and gift cards](/help-center/wallet-and-gift-cards). At the till, the same rules as **Wallet** apply: only shop and bar items, and only for a customer with a Naayya account. A membership's first period can go on the account too, whatever these settings: see [Sell a membership](/help-center/sell-a-membership-in-pos). A walk-in or guest customer cannot charge to an account. The Naayya POS app does not offer it. Customers can charge their own online purchases to their account only when you also switch on **Customers can also charge online**. See [Let customers also charge online](/help-center/set-up-account-charging#let-customers-also-charge-online). A customer can also be allowed to spend from another customer's account, such as a family member's or a shared **Team tab**. See [Put a sale on someone else's account](/help-center/charge-a-pos-sale-to-a-shared-account). ## Put a sale on the account at the till 1. Select the customer and add the items. 2. Choose **On the account**. The button shows how much the account can take now: gift card balance, account credit, and what is left of the limit. When the account already owes something, POS shows **Amount due** under the payment methods. 3. Complete checkout. When nothing is left of the customer's limit, the button reads **Wallet** again and pays only from the balance. A cart that costs more than the account can take is paid two ways in one sale: 1. POS puts what the account can take next to **On the account**, and the rest next to **Rest of the sale**. 2. Choose how the rest is paid: **Cash**, **Own card reader** or **Transfer**. With more than one card terminal recorded, also choose the **Card terminal**. 3. Take the rest of the money, then complete checkout. A single item sold without the cart, for example from the **New sale** window on a customer's page, takes one payment. It goes on the account only when the account can take all of it. Otherwise POS says how much the account can take, and you take the payment another way. The confirmation shows **On the account** and its amount, the other payment and its amount when the sale was paid two ways, and **Amount due** when the account owes something after the sale. ## What the receipt and reports show - A sale on the account in full names **On the account** as the payment method, on the emailed and the printed receipt. - A sale paid two ways has **Split payment** as its payment method. The receipt lists **On the account** and the other payment, each with its amount. - When the account owes something after the sale, the receipt shows **Amount due**. A receipt printed again later shows the amount that was due right after the sale. - What a sale puts on an account as owed is not money taken. The shift report and the **Daily report** show it on its own **On account** line, apart from the payment methods and the cash count. See [Close a shift](/help-center/manage-a-pos-shift#close-a-shift) and [Reports](/help-center/reports#point-of-sale-reports). - The sale counts as revenue, with its VAT, on the day it is made. When the customer pays what they owe later with a top-up, that is not a second sale. ## On the account is not offered **On the account** shows in place of **Wallet** only when your business lets customers charge to their account and the customer can still owe something. Ask an owner or manager to check that charging is switched on under **Admin > Settings > Payments**, and check the customer's limit in their **Wallet** tab. A limit of 0, a block, or a limit that is already used up all show **Wallet** instead. ## POS says the account can take less than it showed The customer's account changed after POS read it, for example because of another sale. Nothing was recorded. POS reads the account again. Check how the sale is paid now, then charge again. If the account can take nothing more, take the payment another way. On someone else's account, the customer's daily limit can be what stops the sale. POS then says how much the customer may still spend from that account today.