When a payer is determined on the payer's tab of the student record, every charge and credit will be owned by the student and assigned to the payer.

Charge:
Owner is Student, Assigned to Payer

Credit:
Owner is Student, Assigned to Payer

In payer-centric systems, the payment must show it's coming from the payer. This means the payer is the owner. It can be entered 2 ways.

Option 1: Payment: Owner is Payer, Assigned to Student
Option 2: Payment: Owner is Payer, Assigned to Payer

note: If Option 2 is selected, unapplied payments will not show on the student record unless the box is marked on the activity tab to 'show all available payments and credits for payers'