When creating an invoice, merchants should also have the ability to include a credit item on the same single invoice to offset what the customer owes. Ex. The customer just had $200 in dental work, but there is a $20 credit open on their account. You want to show that the actual cost of the dental work is $200, but a credit of $20 is being applied. (This could be included with the discount area but needs to have the ability to say discount/credit and the description of why it is being applied show to the customer.)