Pay with balance
Let members buy upgrades (and traffic packages) from account balance. Default on. Always first on checkout when enabled.
Pay with balance
When on, signed-in members can pay for Premium / Pro upgrades and traffic packages from User.balanceCents. Guests never see this option.
Where to find it
Admin → Settings → Payment → Member features → Pay with balance
Setting key: allow_pay_with_balance
Default: on
Money path
1. Member tops up (or earns balance via affiliate balance transfer if Affiliation allows it)
2. On checkout, Pay with balance appears first when this toggle is on
3. Purchase debits balance, creates a Payment marked paid-with-balance, and grants the plan like a card checkout (including affiliate conversion when applicable)
You cannot top up *using* balance - top-up always needs an external gateway.
Common problems
Balance option missing
Toggle off, guest checkout, or balance is zero.