diff --git a/app/controllers/api/v1/customer_account_transaction_controller.rb b/app/controllers/api/v1/customer_account_transaction_controller.rb
new file mode 100644
index 0000000000..d48e41f0a7
--- /dev/null
+++ b/app/controllers/api/v1/customer_account_transaction_controller.rb
@@ -0,0 +1,36 @@
+# frozen_string_literal: true
+
+module Api
+  module V1
+    class CustomerAccountTransactionController < Api::V1::BaseController
+      def create
+        authorize! :create, CustomerAccountTransaction
+
+        # We only allow using the api customer credit payment method
+        default_params = { currency: CurrentConfig.get(:currency), payment_method_id: }
+        transaction = CustomerAccountTransaction.new(
+          default_params.merge(customer_account_transaction_params)
+        )
+
+        if transaction.save
+          render json: Api::V1::CustomerAccountTransactionSerializer.new(transaction),
+                 status: :created
+        else
+          invalid_resource! transaction
+        end
+      end
+
+      private
+
+      def customer_account_transaction_params
+        params.require(:customer_account_transaction).permit(:customer_id, :amount, :description)
+      end
+
+      def payment_method_id
+        Spree::PaymentMethod.internal.find_by(
+          name: Rails.application.config.api_payment_method[:name]
+        )&.id
+      end
+    end
+  end
+end
diff --git a/app/json_schemas/customer_account_transaction_schema.rb b/app/json_schemas/customer_account_transaction_schema.rb
new file mode 100644
index 0000000000..4f5f1c5b76
--- /dev/null
+++ b/app/json_schemas/customer_account_transaction_schema.rb
@@ -0,0 +1,31 @@
+# frozen_string_literal: true
+
+class CustomerAccountTransactionSchema < JsonApiSchema
+  def self.object_name
+    "customer_account_transaction"
+  end
+
+  def self.attributes
+    {
+      id: { type: :integer, example: 1 },
+      customer_id: { type: :integer, example: 10 },
+      amount: { type: :decimal, example: 10.50 },
+      currency: { type: :string, example: "AUD" },
+      payment_method_id: { type: :integer, example: 100 },
+      description: { type: :string, nullable: true, example: "Payment processed by POS" },
+      balance: { type: :decimal, example: 10.50 },
+    }
+  end
+
+  def self.required_attributes
+    [:customer_id, :amount]
+  end
+
+  def self.writable_attributes
+    attributes.except(:id, :balance, :payment_method_id, :currency)
+  end
+
+  def self.relationships
+    [:customer, :payment_method]
+  end
+end
diff --git a/app/models/spree/ability.rb b/app/models/spree/ability.rb
index 69aeabf2cf..458cee2b44 100644
--- a/app/models/spree/ability.rb
+++ b/app/models/spree/ability.rb
@@ -61,6 +61,7 @@ module Spree
         add_manage_line_items_abilities user
       end
       add_relationship_management_abilities user if can_manage_relationships? user
+      add_customer_payment_abilities user if can_manage_enterprises? user
     end
 
     # New users have no enterprises.
@@ -457,5 +458,9 @@ module Spree
           user.enterprises.include?(enterprise_relationship.child)
       end
     end
+
+    def add_customer_payment_abilities(_user)
+      can [:create], CustomerAccountTransaction
+    end
   end
 end
diff --git a/app/serializers/api/v1/customer_account_transaction_serializer.rb b/app/serializers/api/v1/customer_account_transaction_serializer.rb
new file mode 100644
index 0000000000..7f2031b82d
--- /dev/null
+++ b/app/serializers/api/v1/customer_account_transaction_serializer.rb
@@ -0,0 +1,9 @@
+# frozen_string_literal: true
+
+module Api
+  module V1
+    class CustomerAccountTransactionSerializer < Api::V1::BaseSerializer
+      attributes :id, :customer_id, :payment_method_id, :amount, :currency, :description, :balance
+    end
+  end
+end
diff --git a/config/routes/api.rb b/config/routes/api.rb
index a877326a68..4df930deaf 100644
--- a/config/routes/api.rb
+++ b/config/routes/api.rb
@@ -92,6 +92,8 @@ Openfoodnetwork::Application.routes.draw do
       resources :enterprises do
         resources :customers, only: :index
       end
+
+      resources :customer_account_transaction, only: [:create]
     end
 
     match '*path', to: redirect(path: "/api/v0/%{path}"), via: :all,
diff --git a/spec/requests/api/v1/customer_account_transaction_spec.rb b/spec/requests/api/v1/customer_account_transaction_spec.rb
new file mode 100644
index 0000000000..be7b5c0eb6
--- /dev/null
+++ b/spec/requests/api/v1/customer_account_transaction_spec.rb
@@ -0,0 +1,112 @@
+# frozen_string_literal: true
+
+require "swagger_helper"
+
+RSpec.describe "CustomerAccountTransactions", swagger_doc: "v1.yaml", feature: :api_v1 do
+  let!(:enterprise) { create(:enterprise) }
+  let(:payment_method) {
+    create(
+      :payment_method,
+      name: CustomerAccountTransaction::DEFAULT_PAYMENT_METHOD_NAME,
+      distributors: [enterprise]
+    )
+  }
+  let(:customer) { create(:customer) }
+
+  before do
+    login_as enterprise.owner
+  end
+
+  path "/api/v1/customer_account_transaction" do
+    post "Create customer transaction" do
+      tags "Customer account transaction"
+      consumes "application/json"
+      produces "application/json"
+
+      parameter name: :customer_account_transaction, in: :body, schema: {
+        type: :object,
+        properties: CustomerAccountTransactionSchema.writable_attributes,
+        required: CustomerAccountTransactionSchema.required_attributes
+      }
+
+      response "201", "Customer transaction created" do
+        let(:customer_account_transaction) do
+          {
+            customer_id: customer.id.to_s,
+            amount: "10.25",
+            description: "Payment processed by POS"
+          }
+        end
+        schema '$ref': "#/components/schemas/customer_account_transaction"
+
+        run_test! do
+          expect(json_response[:data][:attributes]).to include(
+            customer_id: customer.id,
+            payment_method_id: payment_method.id,
+            amount: "10.25",
+            currency: "AUD",
+            description: "Payment processed by POS",
+            balance: "10.25",
+          )
+
+          transaction = CustomerAccountTransaction.find(json_response[:data][:attributes][:id])
+          expect(transaction).not_to be_nil
+        end
+      end
+
+      response "422", "Unpermitted parameter" do
+        let(:customer_account_transaction) do
+          {
+            id: 101,
+            customer_id: customer.id.to_s,
+            amount: "10.25",
+          }
+        end
+        schema '$ref': "#/components/schemas/error_response"
+
+        run_test! do
+          expect(json_response[:errors][0][:detail]).to eq(
+            "Parameters not allowed in this request: id"
+          )
+        end
+      end
+
+      response "422", "Unprocessable entity" do
+        let(:customer_account_transaction) { {} }
+        schema '$ref': "#/components/schemas/error_response"
+
+        run_test! do
+          expect(json_response[:errors][0][:detail]).to eq(
+            "A required parameter is missing or empty: customer_account_transaction"
+          )
+          expect(json_response[:meta]).to eq nil
+        end
+      end
+
+      response "422", "Invalid resource" do
+        let(:customer_account_transaction) { { amount: "10.25" } }
+        schema '$ref': "#/components/schemas/error_response"
+
+        run_test! do
+          expect(json_response[:errors][0][:detail]).to eq(
+            "Invalid resource. Please fix errors and try again."
+          )
+          expect(json_response[:meta][:validation_errors]).to eq ["Customer must exist"]
+        end
+      end
+
+      response "401", "Unauthorized" do
+        before { login_as nil }
+
+        let(:customer_account_transaction) do
+          {
+            customer_id: customer.id.to_s,
+            amount: "10.25",
+          }
+        end
+
+        run_test!
+      end
+    end
+  end
+end
diff --git a/spec/swagger_helper.rb b/spec/swagger_helper.rb
index 51bfb098fa..d4ab6660a9 100644
--- a/spec/swagger_helper.rb
+++ b/spec/swagger_helper.rb
@@ -27,7 +27,9 @@ RSpec.configure do |config|
           error_response: ErrorsSchema.schema,
           # only customer#show is with extra_fields: {name: :balance, required: true}
           customer: CustomerSchema.schema(require_all: true),
-          customers_collection: CustomerSchema.collection(require_all: true, extra_fields: :balance)
+          customers_collection: CustomerSchema.collection(require_all: true,
+                                                          extra_fields: :balance),
+          customer_account_transaction: CustomerAccountTransactionSchema.schema(require_all: true)
         },
         securitySchemes: {
           api_key_header: {
diff --git a/swagger/v1.yaml b/swagger/v1.yaml
index a9305be001..65410c4222 100644
--- a/swagger/v1.yaml
+++ b/swagger/v1.yaml
@@ -77,7 +77,7 @@ components:
                 billing_address:
                   type: object
                   nullable: true
-                  example:
+                  example: 
                 shipping_address:
                   type: object
                   nullable: true
@@ -190,7 +190,7 @@ components:
                   billing_address:
                     type: object
                     nullable: true
-                    example:
+                    example: 
                   shipping_address:
                     type: object
                     nullable: true
@@ -283,6 +283,92 @@ components:
       - data
       - meta
       - links
+    customer_account_transaction:
+      type: object
+      properties:
+        data:
+          type: object
+          properties:
+            id:
+              type: string
+              example: '1'
+            type:
+              type: string
+              example: customer_account_transaction
+            attributes:
+              type: object
+              properties:
+                id:
+                  type: integer
+                  example: 1
+                customer_id:
+                  type: integer
+                  example: 10
+                amount:
+                  type: decimal
+                  example: 10.5
+                currency:
+                  type: string
+                  example: AUD
+                payment_method_id:
+                  type: integer
+                  example: 100
+                description:
+                  type: string
+                  nullable: true
+                  example: Payment processed by POS
+                balance:
+                  type: decimal
+                  example: 10.5
+              required:
+              - id
+              - customer_id
+              - amount
+              - currency
+              - payment_method_id
+              - description
+              - balance
+            relationships:
+              type: object
+              properties:
+                customer:
+                  type: object
+                  properties:
+                    data:
+                      type: object
+                      properties:
+                        id:
+                          type: string
+                        type:
+                          type: string
+                          example: customer
+                    links:
+                      type: object
+                      properties:
+                        related:
+                          type: string
+                payment_method:
+                  type: object
+                  properties:
+                    data:
+                      type: object
+                      properties:
+                        id:
+                          type: string
+                        type:
+                          type: string
+                          example: payment_method
+                    links:
+                      type: object
+                      properties:
+                        related:
+                          type: string
+        meta:
+          type: object
+        links:
+          type: object
+      required:
+      - data
   securitySchemes:
     api_key_header:
       type: apiKey
@@ -300,6 +386,46 @@ components:
       in: cookie
       description: Authenticates using the current user's session if logged in
 paths:
+  "/api/v1/customer_account_transaction":
+    post:
+      summary: Create customer transaction
+      tags:
+      - Customer account transaction
+      parameters: []
+      responses:
+        '201':
+          description: Customer transaction created
+          content:
+            application/json:
+              schema:
+                "$ref": "#/components/schemas/customer_account_transaction"
+        '422':
+          description: Invalid resource
+          content:
+            application/json:
+              schema:
+                "$ref": "#/components/schemas/error_response"
+        '401':
+          description: Unauthorized
+      requestBody:
+        content:
+          application/json:
+            schema:
+              type: object
+              properties:
+                customer_id:
+                  type: integer
+                  example: 10
+                amount:
+                  type: decimal
+                  example: 10.5
+                description:
+                  type: string
+                  nullable: true
+                  example: Payment processed by POS
+              required:
+              - customer_id
+              - amount
   "/api/v1/customers":
     get:
       summary: List customers
@@ -375,7 +501,7 @@ paths:
                 billing_address:
                   type: object
                   nullable: true
-                  example:
+                  example: 
                 shipping_address:
                   type: object
                   nullable: true
@@ -468,7 +594,7 @@ paths:
                           billing_address:
                             type: object
                             nullable: true
-                            example:
+                            example: 
                           shipping_address:
                             type: object
                             nullable: true
@@ -598,7 +724,7 @@ paths:
                 billing_address:
                   type: object
                   nullable: true
-                  example:
+                  example: 
                 shipping_address:
                   type: object
                   nullable: true