---
id: ADR-ACC-TRX-011
title: Receipt Money and Independent Credit Applications
product_area: accounting
module: transactions
revision: 1
status: proposed
design_intent: confirmed
source_sha:
  services-accounting: f47cb263875bbc0c5640fba7dae6785ec32695f8
  react-console: baf6dae382d6f41dce976c7f848667ccc37e076f
decision: >-
  Receipts retain collected money, allocations place it on debt and independent
  numbered credit applications spend credit, with excess receipt money remaining
  unapplied unless credit treatment is selected.
constrains:
  - DOM-ACC-TRX-003
  - DOM-ACC-TRX-004
  - STATE-ACC-TRX-012
  - WF-ACC-TRX-008
origin: >-
  The kept decision of 2026-10-16 (credit applications as the only mechanism,
  payments representing money only),
  services-accounting:docs/architecture/accounting-2.0/02-decisions.md#1. The
  assessment's decisions, D-01 to D-07 (Andrew, 2026-10-17), and Andrew’s A-9
  (overpayment is unapplied money),
  services-accounting:docs/architecture/accounting-2.0/02-decisions.md#2.8
  Andrew's acceptance decisions of 2026-10-18 (about 15:35 UTC)
alternatives:
  - option: Subtract credit directly from billed lines without an application.
    why_not: >-
      The credit use would lack its independent posting, numbering and reversal
      record.
  - option: Convert all excess collection into credit automatically.
    why_not: >-
      The recorded default retains available receipt money; credit conversion is
      an explicit choice or configured treatment.
consequences:
  - Credit application contributes to the billed line's paid amount.
  - >-
    Available receipt value offsets customer debt and appears as a negative
    financial open item.
  - >-
    A live receipt-derived credit blocks reversal of its source money until the
    credit is cancelled.
supersedes: []
evidence:
  - >-
    services-accounting at f47cb263:
    docs/architecture/accounting-2.0/02-decisions.md, 05-lifecycles.md,
    06-integrity-model.md.
---
# Receipt Money and Independent Credit Applications

## Context

Collection, held customer value and debt settlement need distinguishable records. The cited retained direction keeps receipt money separate from credit use.

## Decision

The structured decision records the governing boundary and its observed limits. Its origin distinguishes Andrew’s rulings from reversible implementation choices and proposed publication policy.

## Alternatives Considered

The listed alternatives explain the competing responsibility or recovery approaches and why the recorded direction differs. They are explanatory comparisons, without evidence of a separate approval discussion for each alternative.

## Consequences

The consequence rows identify implementation obligations, current departures and gaps requiring further verification. Artifact status remains proposed until Andrew approves it.