diff --git a/app/Http/Requests/Payment/StorePaymentRequest.php b/app/Http/Requests/Payment/StorePaymentRequest.php
index 67c50a24e606..8b6ebbd65882 100644
--- a/app/Http/Requests/Payment/StorePaymentRequest.php
+++ b/app/Http/Requests/Payment/StorePaymentRequest.php
@@ -13,6 +13,7 @@ namespace App\Http\Requests\Payment;
 
 use App\Http\Requests\Request;
 use App\Http\ValidationRules\Credit\ValidCreditsRules;
+use App\Http\ValidationRules\Credit\CreditsSumRule;
 use App\Http\ValidationRules\Payment\ValidInvoicesRules;
 use App\Http\ValidationRules\PaymentAmountsBalanceRule;
 use App\Http\ValidationRules\ValidCreditsPresentRule;
@@ -76,7 +77,6 @@ class StorePaymentRequest extends Request
         }
 
         if (! isset($input['amount']) || $input['amount'] == 0) {
-            //$input['amount'] = $invoices_total - $credits_total;
             $input['amount'] = $invoices_total - $credits_total; //todo the payment amount is always less the credit amount applied
         }
 
@@ -100,7 +100,7 @@ class StorePaymentRequest extends Request
             'invoices.*.amount' => 'required',
             'credits.*.credit_id' => 'bail|required|exists:credits,id',
             'credits.*.credit_id' => new ValidCreditsRules($this->all()),
-            'credits.*.amount' => 'required',
+            'credits.*.amount' => ['required', new CreditsSumRule($this->all())],
             'invoices' => new ValidPayableInvoicesRule(),
             'number' => 'bail|nullable|unique:payments,number,'.$this->id.',id,company_id,'.$this->company_id,
         ];
diff --git a/app/Http/ValidationRules/Credit/CreditsSumRule.php b/app/Http/ValidationRules/Credit/CreditsSumRule.php
new file mode 100644
index 000000000000..134a8bbe76b9
--- /dev/null
+++ b/app/Http/ValidationRules/Credit/CreditsSumRule.php
@@ -0,0 +1,59 @@
+<?php
+/**
+ * Invoice Ninja (https://invoiceninja.com).
+ *
+ * @link https://github.com/invoiceninja/invoiceninja source repository
+ *
+ * @copyright Copyright (c) 2020. Invoice Ninja LLC (https://invoiceninja.com)
+ *
+ * @license https://opensource.org/licenses/AAL
+ */
+
+namespace App\Http\ValidationRules\Credit;
+
+use App\Libraries\MultiDB;
+use App\Models\Credit;
+use App\Models\Invoice;
+use App\Models\Payment;
+use App\Models\User;
+use App\Utils\Traits\MakesHash;
+use Illuminate\Contracts\Validation\Rule;
+
+/**
+ * Class CreditsSumRule.
+ */
+class CreditsSumRule implements Rule
+{
+    use MakesHash;
+
+
+    private $input;
+
+    public function __construct($input)
+    {
+        $this->input = $input;
+    }
+
+    public function passes($attribute, $value)
+    {
+        return $this->checkCreditTotals();
+    }
+
+    private function checkCreditTotals()
+    {
+
+        if( array_sum(array_column($this->input['credits'],'amount')) > array_sum(array_column($this->input['invoices'], 'amount')))
+            return false;
+
+        return true;
+
+    }
+
+    /**
+     * @return string
+     */
+    public function message()
+    {
+        return "Total credits applied cannot be MORE than total of invoices";
+    }
+}