The incoming payments first of all cover the existing debt on the client's account. For example, a client has a minus balance and does not have a credit limit enabled. The funds from the incoming payment, even if it is for payment or renewal of specific services, will be spent first to close the debt and then to pay for the services. If the balance on the client's account is 0 or a credit limit is set to cover the amount of the debt, the payment will be spent for the intended purpose.