--- title: [V1] Apply credits to a payment (2 minute read) description: Learn how to apply manual credits to waive payments, resolve past-due balances, and track cash or check payments accurately. --- [Skip to content](https://help.mystudio.io/applying-manual-credits-to-payments#main-content) English Show submenu for translations [![MS\_appicon-2](https://help.mystudio.io/hs-fs/hubfs/MS_appicon-2.webp?width=63&height=63&name=MS_appicon-2.webp)](https://help.mystudio.io/?hsLang=en) Open main navigation Close main navigation - English Show submenu for translations - [Go to mystudio.io](https://www.mystudio.io/) [Go to mystudio.io](https://www.mystudio.io/) Hello. How can we help you? - There are no suggestions because the search field is empty. 1. [Help Center](https://help.mystudio.io/?hsLang=en) 2. [Classic Version \[V1\]](https://help.mystudio.io/classic-version-v1?hsLang=en) 3. [Payments](https://help.mystudio.io/classic-version-v1?hsLang=en#payments) # \[V1\] Apply credits to a payment (2 minute read) ## Use this when you need to waive a payment, record a cash or check payment, or adjust a customer's balance in MyStudio. ###### *Updated: January 30, 2026* ### Table of contents - [Permissions and accessibility](https://help.mystudio.io/applying-manual-credits-to-payments#permissions-and-accessibility) - [How to apply a credit](https://help.mystudio.io/applying-manual-credits-to-payments#how-to-apply-a-credit) - [Credit method options](https://help.mystudio.io/applying-manual-credits-to-payments#credit-method-options) - [Manual credit](https://help.mystudio.io/applying-manual-credits-to-payments#manual-credit) - [Cash payment](https://help.mystudio.io/applying-manual-credits-to-payments#cash-payment) - [Check payment](https://help.mystudio.io/applying-manual-credits-to-payments#check-payment) - [Where credit appear in reporting](https://help.mystudio.io/applying-manual-credits-to-payments#where-credits-appear-in-reporting) - [Frequently asked questions (FAQs)](https://help.mystudio.io/applying-manual-credits-to-payments#frequently-asked-questions) - [Was this article helpful?](https://help.mystudio.io/applying-manual-credits-to-payments#was-this-article-helpful)   ---   ### Permissions and accessibility #### Staff access: - **Admin: **Full access - **Manager: **Full access - **Staff:** No access #### Studio plan restrictions: - None   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   ### How to apply a credit You can apply a credit to a payment from either the participant profile or the primary customer profile. To apply a credit: 1. Log in to [your MyStudio account](https://cp.mystudio.io/v43/WebPortal/#/login). 2. Go to **Payments** in the left menu. ![Payments](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Applying%20Credits%20to%20Payments/Payments.png?width=185&height=431&name=Payments.png) 3. Click **Past Due** or **Upcoming**. ![Past Due or Upcoming](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Applying%20Credits%20to%20Payments/Past%20Due%20or%20Upcoming.png?width=185&height=436&name=Past%20Due%20or%20Upcoming.png) 4. Click the customer's name to open their profile. ![Upcoming Buyer](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Applying%20Credits%20to%20Payments/Upcoming%20Buyer.png?width=627&height=206&name=Upcoming%20Buyer.png) 5. Find the payment you want to credit and click on it. ![Upcoming Payment](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Applying%20Credits%20to%20Payments/Upcoming%20Payment.png?width=627&height=232&name=Upcoming%20Payment.png) 6. Click **Apply credit to this payment**. ![Screenshot 2026-01-30 at 11.39.55 AM](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Applying%20Credits%20to%20Payments/Screenshot%202026-01-30%20at%2011.39.55%20AM.png?width=297&height=295&name=Screenshot%202026-01-30%20at%2011.39.55%20AM.png) 7. Select a credit method and follow the prompts to complete. ![Screenshot 2026-01-30 at 11.41.38 AM](https://help.mystudio.io/hs-fs/hubfs/Knowledge%20Base%20Article%20Screenshots/V1/V1%20-%20Payments/V1%20-%20Applying%20Credits%20to%20Payments/Screenshot%202026-01-30%20at%2011.41.38%20AM.png?width=297&height=320&name=Screenshot%202026-01-30%20at%2011.41.38%20AM.png)   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   ### Credit method options Choose the method that matches how the payment is being handled.   #### Manual credit Use this to waive or adjust a payment without collecting money from the customer. - Does **not** collect payment. - Does **not** count toward income statistics. - Adjusts the customer's balance in MyStudio only. **When to use it:** - Forgiving or waiving an upcoming or past-due payment. - Applying a goodwill or courtesy adjustment. - Correcting a balance without issuing a refund.   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   #### Cash payment Use this to record a payment that was collected in cash or through an external method outside of MyStudio. - Marks the payment as paid - Counts toward income statistics - Appears in payment history as a cash transaction **When to use it:** - A customer pays cash at the studio - Recording a payment collected outside of MyStudio   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   #### Check payment Use this to record a payment made by check. - Marks the payment as paid. - Counts toward income statistics. - Appears in payment history as a check transaction. **When to use it:** - A customer pays with a check at the studio.   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) --- ### Where credits appear in reporting | Credit method | Marked as paid | Counts toward income | Appears in payment history | | --- | --- | --- | --- | | Manual credit | Yes | No | Yes | | Cash payment | Yes | Yes | Yes | | Check payment | Yes | Yes | Yes |   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   ### Frequently asked questions (FAQs)   #### Can I apply credits to past-due payments? Yes — credits can be applied to both upcoming and past-due payments.     [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   #### Does a manual credit issue a refund? No. A manual credit adjusts the balance in MyStudio only. No funds are returned to the customer.   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   #### Can I record a payment that was collected outside of MyStudio? Yes. Use the cash payment option to record and track any payment collected outside of MyStudio.   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   #### Will credits appear in my reports? Yes. All credits appear in the customer's payment history. Only cash and check payments count toward income statistics.   [^ Back to top](https://help.mystudio.io/applying-manual-credits-to-payments#TABLE) ---   **Still need help?** Contact your MyStudio account manager or reach out to [our support team](https://help.mystudio.io/chat-with-a-live-mystudio-team-member?hsLang=en).   ---   - [Navigation & FAQs](https://help.mystudio.io/navigation-faqs?hsLang=en#main-content) - [Code Ninjas Onboarding](https://help.mystudio.io/navigation-faqs?hsLang=en#code-ninjas-onboarding) - [Classic Version \[V1\]](https://help.mystudio.io/classic-version-v1?hsLang=en#main-content) - [Analytics](https://help.mystudio.io/classic-version-v1?hsLang=en#analytics) - [Payments](https://help.mystudio.io/classic-version-v1?hsLang=en#payments) - [All Customers](https://help.mystudio.io/classic-version-v1?hsLang=en#all-customers) - [Participant Management](https://help.mystudio.io/classic-version-v1?hsLang=en#participant-management) - [Member Migration](https://help.mystudio.io/classic-version-v1?hsLang=en#member-migration) - 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