When a customer purchases an AdvancePay credit, the studio gets paid half of the credit amount after the PhotoDay fee and the Stripe fee are applied. The remaining half is held on reserve until the customer applies their credit to a purchase. We do this because we don’t know in advance which products the customer will choose and what the precise lab fee will be for their purchase.
The credit is applied when the customer purchases products, after which the lab gets paid from the reserved funds, and the studio receives the balance. After the customer sees all your great photos, we think they’ll buy much more than the original credit amount. That's the beauty of AdvancePay!