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Invoicing & accounting

Credit note

A credit note is a document a seller issues to reduce what a buyer owes on a previous invoice — for a refund, overcharge or return. Here's how it works.

Quick answer

A credit note, also called a credit memo, is a document a seller issues to reduce the amount a buyer owes on a previously issued invoice. It is used to correct an overcharge, apply a refund, or account for returned goods or cancelled services. Unlike deleting an invoice, a credit note preserves the audit trail by recording the reduction as its own entry.

When an invoice has already been sent and something changes — the client was overcharged, returned part of the order, or cancelled a service — you cannot simply erase the original without breaking your records. A credit note is the correct instrument: it formally reduces the balance while leaving the original invoice intact.

Because the reduction is recorded as a separate, dated document, both the invoice and its correction remain visible. This is what keeps the books auditable: anyone reviewing the account can see exactly what was billed and what was credited, and when.

Credit notes also matter for tax. Where VAT was charged on the original invoice, the credit note adjusts the VAT accordingly, which is why issuing one is preferable to quietly editing or deleting the invoice.

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FAQ

Common questions

Why issue a credit note instead of deleting the invoice?

Deleting an invoice destroys the audit trail and can misstate your VAT and revenue. A credit note reduces the balance while keeping both the original invoice and the correction on record, which is the auditable and tax-correct approach.

Does a credit note mean the customer gets money back?

Not always. A credit note reduces what is owed. It can result in a cash refund, but it can also simply be applied against the invoice balance or a future invoice, depending on the arrangement.

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