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

# The Vendor Credit object

> A vendor credit (also known as a bill credit) represents money that a vendor owes back to your business, typically from overpayment or returned merchandise. When processing bill payments, you can apply these credits via `applyToTransactions.setCredit` to reduce payment amounts. Note that vendor credits track money owed by vendors, while credit memos track money you owe customers and are handled through receive-payment transactions.



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