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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.

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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.

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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.
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.

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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.

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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.
Example rates:
CurrencyRate
USD1 USD = 10 credits
EUR1 EUR = 9 credits
GBP1 GBP = 12 credits
Only one active conversion rate can exist per currency at any given time.

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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.

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

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

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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.