I haven't quite finished the implementation since got pulled into something
else. However, my general approach is to (taking the same example I shared
earlier)
1. Test an incoming payment and see if it fulfills the pre-payment criteria.
If it does then subtract the discounted amount from the invoice and compare
to the payment and see if it meets the outstanding invoice amount after the
adjustment. If it does then auto create a dummy payment with the discounted
amount and then apply the same as well to clear off entire outstanding
invoice amount. 
2. The discounted amount payment should get credited to a trade or bill
discount account. 

So, essentially this solves the problem that we have but may not necessarily
be the best way of doing this. One can think of applying the discount
directly to the invoice at the time of payment and preserving that sate.
This is something that we may end up doing once we go past the basic
implementation. 

- Aray

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