> ## Documentation Index
> Fetch the complete documentation index at: https://docs.yorlet.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Remaining balances

> Charge unapplied funds on a customer's bank transfer payment method.

A **remaining balance** is money that arrived on a customer's [bank transfer](/payments/payment-methods/bank-transfers) payment method but wasn't fully applied to an invoice. This happens when [automatic reconciliation](/billing/invoices/automatic-reconciliation) can't match an incoming transfer to an outstanding invoice — for example when the amount doesn't cover the invoice in full, or when there is no invoice open at the time.

You can review every payment method with unapplied funds on the [Remaining balances page](https://dashboard.yorlet.com/customers/balances).

<Note>
  Remaining balances only exist on bank transfer payment methods. Card and direct debit payment methods don't hold funds ahead of a charge, so there is nothing to reconcile.
</Note>

## Charge a remaining balance

<Warning>
  Make sure you have the customer's permission to charge their payment method.
</Warning>

There are three entry points to the **Create payment** sheet — pick the one closest to what you're doing:

### From the Remaining balances page

1. Open the [Remaining balances page](https://dashboard.yorlet.com/customers/balances).
2. Right-click the row for the payment method you want to charge and select **Charge balance**.
3. Review the **Amount**, **Currency** and **Description** — the amount is prefilled to the full remaining balance.
4. Click **Create payment**.

### From the payment method

1. Navigate to the customer, then open the bank transfer payment method that holds the remaining balance.
2. Click **Charge balance** in the header.
3. Review the **Amount**, **Currency** and **Description**.
4. Click **Create payment**.

### From the customer record

1. Navigate to the customer.
2. Open the **Actions** menu and select **Create payment**.
3. Enter the **Amount**, **Currency** and **Description** and select the bank transfer payment method with the remaining balance.
4. Click **Create payment**.

### Advanced options

<AccordionGroup>
  <Accordion title="Apply to a specific invoice or the customer balance">
    By default, a payment created from a remaining balance settles against the customer's outstanding invoices via [automatic reconciliation](/billing/invoices/automatic-reconciliation). If you'd rather credit the funds to the customer's balance so they can be used against a future invoice, toggle **Apply to customer balance** in the **Create payment** sheet.
  </Accordion>

  <Accordion title="Send email receipt">
    Choose whether to send the customer an email receipt after the payment succeeds.
  </Accordion>
</AccordionGroup>