When you enabled digital payment and credit management at the same time in your S/4HANA system, you may meet the situation as below.
You create one sales order which is only partly guaranteed by payment card. The business partner’s credit limit was set as 0 originally. This sales order is expected to be blocked by credit management. However only some sales orders get blocked, the rest sales orders get approved. The behavior seems inconsistency.
When the business partner was created, the credit limit was set as 0 USD . If there was any negative credit exposure in business partner‘s transactions, for example down payment, sales return, the business partner’s credit exposure may become negative as followed.
In this case, the credit exposure is -473.72 USD. If the newly created sales order’s credit exposure is not bigger than 473.72 USD, the sales order will not get blocked . It will get approved as the credit limit is not bigger than the existing credit exposure 473.72 plus that in the sales order. Otherwise the sales order will get blocked.
As business partner’s credit exposure may differ all the time, affected by the transactions, the newly created sales order may get approved or blocked.
The key is to compare the credit limit with the sum of business partner’s existing credit exposure and SD document’s credit exposure.