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How to configure customer to prevent charge account sale

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What is the MS best practice for setting up a customer record so that a Retail POS sale transaction cannot be charged to the customer's account?  We have some charge account customers, so we can't eliminate that option from the POS screen.

As far as I can see there are two possibilities: setting the terms of payment, or setting a mandatory credit limit of $0.00.

Thanks in advance for any help or advice.


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