Credit Terms
This guide outlines the credit terms that are applied to customers who are granted a line of credit and can purchase on account.
1. View Credit fields
Type the name of a organisation in the search field at the top of screen and select the account from the options displayed
The customer's account is displayed.
Click the Details tab.
Scroll down to the Credit section.
If required, update the fields and click Save.
The Credit fields are not updated automatically as a result of Salesforce transactions. They are updated via the organisation's financial system if it is integrated with Salesforce. If there is no integration with the organisation's financial system, the Credit fields are static.
In states that have MYOBA/Salesforce integration, the Credit fields are automatically updated via MYOBA.
2. Credit term fields
| Field | Description |
| Payment Terms (Days) | Maximum number of days the customer has to pay an invoice. |
| Credit Limit | The overall credit limit of the customer’s account. |
| Remaining Credit Balance | The amount of credit remaining on the customer’s account. |
| First Due Date | The due date of the oldest unpaid invoice. |
| Credit Stopped | If ticked, a credit stop has been automatically applied to the account because the customer is in violation of the credit terms, e.g. they have missed a payment due date or if they have no remaining credit balance. However, the customer is still permitted to make purchases by credit card. |
| Credit Hold | If ticked, a credit hold has been applied to the account. This means that the customer cannot trade with St John at all, not even with upfront payment, and all website purchasing is blocked. Note: If a person wishes to purchase on the website using a credit card, they will need to de-link themselves from the organisation. |
3. No Credit Limit
If the Credit Limit field in the customer's account is blank or set to $0, the 'on account' option will not be available to the customer on the website.
4. Impact of low credit balance
In the payment portal, the account's credit balance is displayed in the Remaining Credit Limit field.
If the Remaining Credit Limit is less than the purchase amount, the following message will be displayed.
If the Remaining Credit Limit is too low to cover the purchase, this will not prevent processing of an on account payment. However, you should refer to your organisation's credit policy before proceeding.
The website will not prevent on account purchasing if the account has insufficient balance to cover the purchase.
5. Impacts of '0' or negative balance
If the Remaining Credit Limit is '0' or negative, the following message will be displayed in the payment portal.
This will not prevent processing of an on account payment. However, you should refer to your organisation's credit policy before proceeding.
The website will prevent on account purchasing if the account has '0' or negative balance.
6. Impacts of a credit stop
If a credit stop is applied to an account, the customer will not be able to purchase on account via the website. The customer may still purchase using a credit card.
If you attempt to process the payment in the payment portal, a warning will be displayed. This will not prevent processing of an on account payment. However, you should refer to your organisation's credit policy before proceeding.
7. Impacts of a credit hold
If a credit hold has been placed on the account:
- the customer cannot trade with St John at all. This means that St John will not even accept credit card payments or donations from the customer, and
- purchasing on website is blocked.
If you attempt to take payment against the account, the following message will be displayed in the payment portal.
