Client credit balance — overpayments

If a customer pays more than the invoice total, the excess banks against the client's credit balance. You can see it on the client detail page under "Account".

Credit balance can be applied to a future invoice — the credit note module handles this with a full audit trail.

Refunds: not auto-handled in v1. To refund: issue a credit note manually with the same amount, then process the refund through your bank or payment processor outside Hublitics.