> ## Documentation Index
> Fetch the complete documentation index at: https://docs.agencyhandy.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Kuinka luotto otetaan kayttoon AgencyHandyssa

> Tarjoa palveluita ennakkomaksu-luottojärjestelmän kautta: luo paketteja, aseta muuntokursseja ja anna asiakkaiden ostaa ja käyttää luottoja palveluihin ja laskuihin.

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.

## Enable credit payments

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

<Steps>
  <Step title="Navigate to Credits">
    In the left sidebar, go to **Credits**.
  </Step>

  <Step title="Turn on the toggle">
    Enable the **Allow Credit Payment** toggle.
  </Step>
</Steps>

**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.

<Steps>
  <Step title="Open Credit Packages settings">
    Navigate to **Credits → Settings → Credit Packages**.
  </Step>

  <Step title="Add a package">
    Click **+ Package**.
  </Step>

  <Step title="Fill in the details">
    Enter a package name, the number of credits included, the currency, and the price.
  </Step>

  <Step title="Save">
    Click **Create**.
  </Step>
</Steps>

## 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.

<Steps>
  <Step title="Open Conversion Rates settings">
    Navigate to **Credits → Settings → Conversion Rates**.
  </Step>

  <Step title="Add a rate">
    Click **+ Add Conversion Rate**.
  </Step>

  <Step title="Configure the rate">
    Select a currency and enter the number of credits equivalent to one unit of that currency.
  </Step>

  <Step title="Save">
    Click **Save**.
  </Step>
</Steps>

**Example rates:**

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

<Note>
  Only one active conversion rate can exist per currency at any given time.
</Note>

## 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

<Steps>
  <Step title="Open credit requests">
    Navigate to **Billing → Credits**.
  </Step>

  <Step title="Locate pending requests">
    Review the client name, payment amount, and number of credits requested.
  </Step>

  <Step title="Approve or reject">
    Click **Accept** to add the credits, or **Reject** to decline.
  </Step>
</Steps>

**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

<Steps>
  <Step title="Open the client profile">
    Navigate to **Clients** and click on a client's name.
  </Step>

  <Step title="Go to the Credits tab">
    Select the **Credits** tab.
  </Step>
</Steps>

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.