How Deposit and Pay Later Credit Work

1) What this guide is about

This guide explains two things you will see in the oBacker portal for your business entity:

• Deposit: the money you have paid (or will pay) as a deposit.
• Credit entitlement (Pay Later limit): how much you can use for Pay Later orders, based on your deposit.

You will also learn the meaning of the credit numbers on your entity page, so you know:

• how much you still can use (Available credit), and
• how much you need to pay (Outstanding balance).

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2) Key terms (simple definitions)

• Entity: your business profile in the portal (example: your company).
• Deposit: money you have deposited with oBacker. This deposit is used to calculate your Pay Later credit.
• Deposit request: a payment request sent to you to collect a deposit. When you pay it successfully, your deposit balance is updated.
• Credit information: the credit section shown on your entity page.
• Credit entitlement: the maximum Pay Later credit oBacker grants to this entity.
• Outstanding balance: the amount this entity currently owes from Pay Later orders and needs to pay to oBacker.
• Available credit: the unused portion of the credit entitlement that can still be used for new Pay Later orders.

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3) Where to see your credit information

1. In the portal, open Entity Management.
2. Click the entity you want to check.
3. If this entity has Credit entitlement, you will see the Credit information section with:
   • Credit entitlement
   • Outstanding balance (with a Pay now button if the amount is greater than 0)
   • Available credit

Notes:

• Credit entitlement is based on your deposit (it matches your total deposit amount).
• Pay now lets you pay the full Outstanding balance for the entity in one payment.

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4) Deposit Requests: list and detail page

A) Open the Deposit Request list

1. In the portal sidebar, click Deposit Request.
2. You will see all deposit requests related to your entity (requests with status not Draft).
3. The list supports pagination: click More to load more items.
4. If you have no deposit requests, the page will be empty.

B) Open Deposit Request detail

1. In the list, click any deposit request row to open the detail page.
2. On the detail page:
   • If status is Need Confirmation → show Confirm button.
   • If status is Confirmed → show Pay button.
   • If status is Paid → no action button.
3. If you do not have permission to view that deposit request, you will see Not permitted.

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5) Deposit Request statuses and what you can do

Each deposit request has a status. The status controls which actions you can do on the detail page.

Need Confirmation

• Meaning: oBacker has created the deposit request and is waiting for your confirmation.
• What you can do: click Confirm to accept the deposit request.

Confirmed

• Meaning: you already confirmed the deposit request and can now proceed to payment.
• What you can do: click Pay to start the payment process.

Paid

• Meaning: the deposit payment was completed successfully.
• What you can do: no action is needed (the request is completed).

Tip: If you do not see the Confirm/Pay button, double-check the current status first.

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6) Paying a Deposit Request (OnePay flow)

When your deposit request is Confirmed, you can pay it via OnePay.

1. Open the deposit request detail page.
2. Click Pay.
3. The system will show an Invoice Information pop-up.
   • Fill in your invoice details (or review them if they are pre-filled).
4. Continue to OnePay to complete the payment.
5. After you finish on OnePay, you will return to the portal and see a result page:
   • Payment Success: the deposit request status becomes Paid.
   • Payment Failed: the deposit request is not paid yet.

If the page does not update immediately after payment:

• wait about 30 minutes and check again.
• if it still does not update, contact the support team.

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7) What happens after a successful deposit payment

After you complete the payment on OnePay and the result is Success:

• The deposit request status becomes Paid.
• Your entity’s deposit amount is updated in the system.
• Your Credit entitlement is updated based on your total deposit.
• The system records the payment for accounting (internal journal entry).
• If e-invoice is required, the system can generate an e-invoice using the invoice information you provided.

What you should do:

• Go back to your Entity page and check Credit information again:
  • Credit entitlement (should reflect your deposit)
  • Available credit (your usable balance)

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8) How Pay Later uses your credit

When you choose Pay later for an order, the system uses your entity credit:

• Outstanding balance increases (because you now have an amount to pay later).
• Available credit decreases (because part of your credit is now used).
• Credit entitlement stays the same unless your deposit changes.

When you pay later (pay the outstanding amount):

• Outstanding balance decreases.
• Available credit increases back accordingly.

Important:

• If your Available credit is not enough, you cannot use Pay later for that order.

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9) Paying what you owe (Outstanding Balance)

If your entity has an Outstanding balance (Pay Later amount you still need to pay), you can pay it directly from the entity credit section.

1. Go to your Entity page.
2. In Credit information, find Outstanding balance.
3. Click Pay now.
4. You will be redirected to OnePay to complete the payment.
5. After payment success:
   • your Outstanding balance will be reduced,
   • your Available credit will increase again.

Notes:

• This payment is used to settle your entity’s unpaid Pay Later amount (it is not a new deposit).

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10) Notifications and reminders

To help you avoid late payments, the system may send emails in these cases:

• Payment due soon reminder: when a Pay Later order is close to its payment due date.
• Pay Later confirmation email: after you successfully choose Pay Later / confirm the Pay Later flow.
• Payment successful email: after you successfully pay your Pay Later amount (or outstanding balance).

If you receive a reminder:

• open the order link in the email and pay before the due date, or
• go to your entity page and use Pay now if you want to pay the full outstanding balance.