1. Select a customer with an account (the balance option is hidden for Guest Checkout).
2. Add items and press Charge, then Continue to the payment page.
3. Switch on Digital Balance — the current wallet amount is shown next to it.
4. If the balance covers the whole total, a Click checkout to finalize the order screen appears; press Checkout. The order is recorded with payment method Balance Only and the wallet is debited.
5. If the balance is smaller than the total, the page shows Paid with Balance and Paid with Payment Method amounts; pick another method (cash, card…) for the remainder and finish.

A red Insufficient Funds badge / Insufficient funds to checkout with Digital Balance message appears when the wallet cannot cover the full total, but the partial amount is still applied.