💳 Split Payments and Client Credits

We're separating payments from invoices so a single invoice can be covered by multiple payments, including split charges across two different cards. If a client pays part of a session with their HSA and the rest with a regular card, you'll record that in one invoice instead of working around it.

When more than one card is saved for a client, you'll pick which one to charge at the point of payment rather than relying on whichever card is set as default. Most clients only have one card on file, but for HSA, FSA, or family-paid sessions, this means you stop swapping cards in and out.

If a client overpays, the extra amount becomes a credit on their account that automatically applies to the next invoice, so you stop tracking balances in a separate spreadsheet.