A few questions on this quite popular feature request:
1. Would you like to reward customer with loyalty points at the time of "On account" purchase? Or when customer actually makes deposit? Or it does not matter?
2. Should any employee be able to create house accounts for a customers with 0$ credit limit (meaning each customer by default able only to make deposits, i.e. upfront payment). And the option to change credit limit should require special access rights?
3. Do you need an option to refund deposits? If so, how important is this feature for you?