diff --git a/services/static-webserver/client/source/class/osparc/dashboard/CardBase.js b/services/static-webserver/client/source/class/osparc/dashboard/CardBase.js
index e18ad26b552..6d74de34376 100644
--- a/services/static-webserver/client/source/class/osparc/dashboard/CardBase.js
+++ b/services/static-webserver/client/source/class/osparc/dashboard/CardBase.js
@@ -320,7 +320,7 @@ qx.Class.define("osparc.dashboard.CardBase", {
 
     trashedAt: {
       check: "Date",
-      apply: "_applyTrasehdAt",
+      apply: "_applyTrashedAt",
       nullable: true
     },
 
@@ -385,15 +385,15 @@ qx.Class.define("osparc.dashboard.CardBase", {
       apply: "__applyState"
     },
 
-    projectState: {
-      check: ["NOT_STARTED", "STARTED", "SUCCESS", "FAILED", "UNKNOWN"],
-      nullable: false,
-      init: "UNKNOWN",
-      apply: "_applyProjectState"
+    debt: {
+      check: "Number",
+      nullable: true,
+      init: 0,
+      apply: "__applyDebt"
     },
 
     blocked: {
-      check: [true, "UNKNOWN_SERVICES", "IN_USE", false],
+      check: [true, "UNKNOWN_SERVICES", "IN_USE", "IN_DEBT", false],
       init: false,
       nullable: false,
       apply: "__applyBlocked"
@@ -547,7 +547,7 @@ qx.Class.define("osparc.dashboard.CardBase", {
       throw new Error("Abstract method called!");
     },
 
-    _applyTrasehdAt: function(value, old) {
+    _applyTrashedAt: function(value, old) {
       throw new Error("Abstract method called!");
     },
 
@@ -633,7 +633,7 @@ qx.Class.define("osparc.dashboard.CardBase", {
       const unaccessibleServices = osparc.study.Utils.getInaccessibleServices(workbench)
       if (unaccessibleServices.length) {
         this.setBlocked("UNKNOWN_SERVICES");
-        const image = "@FontAwesome5Solid/ban/";
+        let image = "@FontAwesome5Solid/ban/";
         let toolTipText = this.tr("Service info missing");
         unaccessibleServices.forEach(unSrv => {
           toolTipText += "<br>" + unSrv.key + ":" + unSrv.version;
@@ -681,65 +681,75 @@ qx.Class.define("osparc.dashboard.CardBase", {
     },
 
     __applyState: function(state) {
-      const locked = ("locked" in state) ? state["locked"]["value"] : false;
-      this.setBlocked(locked ? "IN_USE" : false);
-      if (locked) {
-        this.__showBlockedCardFromStatus(state["locked"]);
+      let lockInUse = false;
+      if ("locked" in state && "value" in state["locked"]) {
+        lockInUse = state["locked"]["value"];
+      }
+      this.setBlocked(lockInUse ? "IN_USE" : false);
+      if (lockInUse) {
+        this.__showBlockedCardFromStatus("IN_USE", state["locked"]);
       }
 
-      const projectState = ("state" in state) ? state["state"]["value"] : undefined;
-      if (projectState) {
-        this._applyProjectState(state["state"]);
+      const pipelineState = ("state" in state) ? state["state"]["value"] : undefined;
+      if (pipelineState) {
+        this.__applyPipelineState(state["state"]["value"]);
       }
     },
 
-    _applyProjectState: function(projectStatus) {
-      const status = projectStatus["value"];
-      let icon;
-      let toolTip;
-      let border;
-      switch (status) {
+    __applyDebt: function(debt) {
+      this.setBlocked(debt ? "IN_DEBT" : false);
+      if (debt) {
+        this.__showBlockedCardFromStatus("IN_DEBT", debt);
+      }
+    },
+
+    // pipelineState: ["NOT_STARTED", "STARTED", "SUCCESS", "ABORTED", "FAILED", "UNKNOWN"]
+    __applyPipelineState: function(pipelineState) {
+      let iconSource;
+      let toolTipText;
+      let borderColor;
+      switch (pipelineState) {
         case "STARTED":
-          icon = "@FontAwesome5Solid/spinner/10";
-          toolTip = this.tr("Running");
-          border = "info";
+          iconSource = "@FontAwesome5Solid/spinner/10";
+          toolTipText = this.tr("Running");
+          borderColor = "info";
           break;
         case "SUCCESS":
-          icon = "@FontAwesome5Solid/check/10";
-          toolTip = this.tr("Ran successfully");
-          border = "success";
+          iconSource = "@FontAwesome5Solid/check/10";
+          toolTipText = this.tr("Ran successfully");
+          borderColor = "success";
           break;
         case "ABORTED":
-          icon = "@FontAwesome5Solid/exclamation/10";
-          toolTip = this.tr("Run aborted");
-          border = "warning";
+          iconSource = "@FontAwesome5Solid/exclamation/10";
+          toolTipText = this.tr("Run aborted");
+          borderColor = "warning";
           break;
         case "FAILED":
-          icon = "@FontAwesome5Solid/exclamation/10";
-          toolTip = this.tr("Ran with error");
-          border = "error";
+          iconSource = "@FontAwesome5Solid/exclamation/10";
+          toolTipText = this.tr("Ran with error");
+          borderColor = "error";
           break;
+        case "UNKNOWN":
+        case "NOT_STARTED":
         default:
-          icon = null;
-          toolTip = null;
-          border = null;
+          iconSource = null;
+          toolTipText = null;
+          borderColor = null;
           break;
       }
-      this.__applyProjectLabel(icon, toolTip, border);
-    },
 
-    __applyProjectLabel: function(icn, toolTipText, bdr) {
       const border = new qx.ui.decoration.Decorator().set({
         radius: 10,
         width: 1,
         style: "solid",
-        color: bdr,
-        backgroundColor: bdr ? bdr + "-bg" : null
+        color: borderColor,
+        backgroundColor: borderColor ? borderColor + "-bg" : null
       });
+
       const projectStatusLabel = this.getChildControl("project-status");
       projectStatusLabel.set({
         decorator: border,
-        textColor: bdr,
+        textColor: borderColor,
         alignX: "center",
         alignY: "middle",
         height: 17,
@@ -748,14 +758,25 @@ qx.Class.define("osparc.dashboard.CardBase", {
       });
 
       projectStatusLabel.set({
-        visibility: icn && toolTipText && bdr ? "visible" : "excluded",
-        source: icn,
-        toolTipIcon: icn,
+        visibility: iconSource && toolTipText && borderColor ? "visible" : "excluded",
+        source: iconSource,
+        toolTipIcon: iconSource,
         toolTipText
       });
     },
 
-    __showBlockedCardFromStatus: function(lockedStatus) {
+    __showBlockedCardFromStatus: function(reason, moreInfo) {
+      switch (reason) {
+        case "IN_USE":
+          this.__blockedInUse(moreInfo);
+          break;
+        case "IN_DEBT":
+          this.__blockedInDebt(moreInfo);
+          break;
+      }
+    },
+
+    __blockedInUse: function(lockedStatus) {
       const status = lockedStatus["status"];
       const owner = lockedStatus["owner"];
       let toolTip = osparc.utils.Utils.firstsUp(owner["first_name"] || this.tr("A user"), owner["last_name"] || ""); // it will be replaced by "userName"
@@ -788,14 +809,23 @@ qx.Class.define("osparc.dashboard.CardBase", {
       this.__showBlockedCard(image, toolTip);
     },
 
+    __blockedInDebt: function() {
+      const studyAlias = osparc.product.Utils.getStudyAlias({firstUpperCase: true});
+      const toolTip = studyAlias + " " + this.tr("Embargoed<br>Credits Required");
+      const image = "@FontAwesome5Solid/lock/";
+      this.__showBlockedCard(image, toolTip);
+    },
+
     __showBlockedCard: function(lockImageSrc, toolTipText) {
       this.getChildControl("lock-status").set({
         opacity: 1.0,
         visibility: "visible"
       });
+
       const lockImage = this.getChildControl("lock-status").getChildControl("image");
       lockImageSrc += this.classname.includes("Grid") ? "32" : "22";
       lockImage.setSource(lockImageSrc);
+
       if (toolTipText) {
         this.set({
           toolTipText
diff --git a/services/static-webserver/client/source/class/osparc/dashboard/GridButtonItem.js b/services/static-webserver/client/source/class/osparc/dashboard/GridButtonItem.js
index 13879b4f0a4..22779e7831b 100644
--- a/services/static-webserver/client/source/class/osparc/dashboard/GridButtonItem.js
+++ b/services/static-webserver/client/source/class/osparc/dashboard/GridButtonItem.js
@@ -188,7 +188,7 @@ qx.Class.define("osparc.dashboard.GridButtonItem", {
     },
 
     // overridden
-    _applyTrasehdAt: function(value) {
+    _applyTrashedAt: function(value) {
       if (value && value.getTime() !== new Date(0).getTime()) {
         if (this.isResourceType("study") || this.isResourceType("template")) {
           const dateBy = this.getChildControl("date-by");
diff --git a/services/static-webserver/client/source/class/osparc/dashboard/ListButtonItem.js b/services/static-webserver/client/source/class/osparc/dashboard/ListButtonItem.js
index 049e22f9930..e81d4369ba5 100644
--- a/services/static-webserver/client/source/class/osparc/dashboard/ListButtonItem.js
+++ b/services/static-webserver/client/source/class/osparc/dashboard/ListButtonItem.js
@@ -204,7 +204,7 @@ qx.Class.define("osparc.dashboard.ListButtonItem", {
     },
 
     // overridden
-    _applyTrasehdAt: function(value) {
+    _applyTrashedAt: function(value) {
       if (value && value.getTime() !== new Date(0).getTime()) {
         if (this.isResourceType("study") || this.isResourceType("template")) {
           const dateBy = this.getChildControl("date-by");
diff --git a/services/static-webserver/client/source/class/osparc/dashboard/ResourceDetails.js b/services/static-webserver/client/source/class/osparc/dashboard/ResourceDetails.js
index 83587f0dbe0..5cd54f4b231 100644
--- a/services/static-webserver/client/source/class/osparc/dashboard/ResourceDetails.js
+++ b/services/static-webserver/client/source/class/osparc/dashboard/ResourceDetails.js
@@ -67,6 +67,16 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
         height: this.HEIGHT,
       });
       return win;
+    },
+
+    createToolbar: function() {
+      const toolbar = new qx.ui.container.Composite(new qx.ui.layout.HBox(20).set({
+        alignX: "right",
+        alignY: "top"
+      })).set({
+        maxHeight: 40
+      });
+      return toolbar;
     }
   },
 
@@ -90,32 +100,36 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
     __billingSettings: null,
     __classifiersPage: null,
     __qualityPage: null,
-    __openButton: null,
-
-    __createToolbar: function() {
-      const toolbar = new qx.ui.container.Composite(new qx.ui.layout.HBox(20).set({
-        alignX: "right",
-        alignY: "top"
-      })).set({
-        maxHeight: 40
-      });
-      return toolbar;
-    },
 
     __addOpenButton: function(page) {
       const resourceData = this.__resourceData;
 
-      const toolbar = this.__createToolbar();
+      const toolbar = this.self().createToolbar();
       page.addToHeader(toolbar);
 
+      if (this.__resourceData["resourceType"] === "study") {
+        const payDebtButton = new qx.ui.form.Button(this.tr("Credits required"));
+        page.payDebtButton = payDebtButton;
+        osparc.dashboard.resources.pages.BasePage.decorateHeaderButton(payDebtButton);
+        payDebtButton.addListener("execute", () => this.openBillingSettings());
+        if (this.__resourceData["resourceType"] === "study") {
+          const studyData = this.__resourceData;
+          payDebtButton.set({
+            visibility: osparc.study.Utils.isInDebt(studyData) ? "visible" : "excluded"
+          });
+        }
+        toolbar.add(payDebtButton);
+      }
+
       if (osparc.utils.Resources.isService(resourceData)) {
         const serviceVersionSelector = this.__createServiceVersionSelector();
         toolbar.add(serviceVersionSelector);
       }
 
-      const openButton = this.__openButton = new osparc.ui.form.FetchButton(this.tr("Open")).set({
+      const openButton = new osparc.ui.form.FetchButton(this.tr("Open")).set({
         enabled: true
       });
+      page.openButton = openButton;
       osparc.dashboard.resources.pages.BasePage.decorateHeaderButton(openButton);
       osparc.utils.Utils.setIdToWidget(openButton, "openResource");
       const store = osparc.store.Store.getInstance();
@@ -125,8 +139,7 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
       this.bind("showOpenButton", openButton, "visibility", {
         converter: show => (store.getCurrentStudy() === null && show) ? "visible" : "excluded"
       });
-
-      openButton.addListener("execute", () => this.__openTapped());
+      openButton.addListener("execute", () => this.__openTapped(openButton));
 
       if (this.__resourceData["resourceType"] === "study") {
         const studyData = this.__resourceData;
@@ -137,13 +150,13 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
       toolbar.add(openButton);
     },
 
-    __openTapped: function() {
+    __openTapped: function(openButton) {
       if (this.__resourceData["resourceType"] !== "study") {
         // Template or Service, nothing to pre-check
         this.__openResource();
         return;
       }
-      this.__openButton.setFetching(true);
+      openButton.setFetching(true);
       const params = {
         url: {
           "studyId": this.__resourceData["uuid"]
@@ -151,7 +164,7 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
       };
       osparc.data.Resources.getOne("studies", params)
         .then(updatedStudyData => {
-          this.__openButton.setFetching(false);
+          openButton.setFetching(false);
           const updatableServices = osparc.metadata.ServicesInStudyUpdate.updatableNodeIds(updatedStudyData.workbench);
           if (updatableServices.length && osparc.data.model.Study.canIWrite(updatedStudyData["accessRights"])) {
             this.__confirmUpdate();
@@ -162,7 +175,7 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
         .catch(err => {
           console.error(err);
           osparc.FlashMessenger.logAs(err.message, "ERROR");
-          this.__openButton.setFetching(false);
+          openButton.setFetching(false);
         });
     },
 
@@ -365,19 +378,27 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
       const resourceData = this.__resourceData;
       if (osparc.utils.Resources.isStudy(resourceData)) {
         const id = "Billing";
-        const title = this.tr("Tier Settings");
+        const title = this.tr("Billing Settings");
         const iconSrc = "@FontAwesome5Solid/cogs/22";
         const page = this.__billingSettings = new osparc.dashboard.resources.pages.BasePage(title, iconSrc, id);
         this.__addOpenButton(page);
 
-        if (this.__resourceData["resourceType"] === "study") {
-          const studyData = this.__resourceData;
-          const canBeOpened = osparc.study.Utils.canShowBillingOptions(studyData);
+        if (resourceData["resourceType"] === "study") {
+          const canBeOpened = osparc.study.Utils.canShowBillingOptions(resourceData);
           page.setEnabled(canBeOpened);
         }
 
         const lazyLoadContent = () => {
           const billingSettings = new osparc.study.BillingSettings(resourceData);
+          billingSettings.addListener("debtPayed", () => {
+            if (resourceData["resourceType"] === "study") {
+              page.payDebtButton.set({
+                visibility: osparc.study.Utils.isInDebt(resourceData) ? "visible" : "excluded"
+              });
+              const canBeOpened = osparc.study.Utils.canBeOpened(resourceData);
+              page.openButton.setEnabled(canBeOpened);
+            }
+          })
           const billingScroll = new qx.ui.container.Scroll(billingSettings);
           page.addToContent(billingScroll);
         }
@@ -751,7 +772,7 @@ qx.Class.define("osparc.dashboard.ResourceDetails", {
 
           const publishTemplateButton = saveAsTemplate.getPublishTemplateButton();
           osparc.dashboard.resources.pages.BasePage.decorateHeaderButton(publishTemplateButton);
-          const toolbar = this.__createToolbar();
+          const toolbar = this.self().createToolbar();
           toolbar.add(publishTemplateButton);
           page.addToHeader(toolbar);
           page.addToContent(saveAsTemplate);
diff --git a/services/static-webserver/client/source/class/osparc/dashboard/StudyBrowser.js b/services/static-webserver/client/source/class/osparc/dashboard/StudyBrowser.js
index a3dfabaf46e..1b4c523639e 100644
--- a/services/static-webserver/client/source/class/osparc/dashboard/StudyBrowser.js
+++ b/services/static-webserver/client/source/class/osparc/dashboard/StudyBrowser.js
@@ -732,10 +732,26 @@ qx.Class.define("osparc.dashboard.StudyBrowser", {
         this.resetSelection();
         this.setMultiSelection(false);
       });
-      osparc.store.Store.getInstance().addListener("changeTags", () => {
+
+      const store = osparc.store.Store.getInstance();
+      store.addListener("changeTags", () => {
         this.invalidateStudies();
         this.__reloadStudies();
       }, this);
+      store.addListener("studyStateChanged", e => {
+        const {
+          studyId,
+          state,
+        } = e.getData();
+        this.__studyStateChanged(studyId, state);
+      });
+      store.addListener("studyDebtChanged", e => {
+        const {
+          studyId,
+          debt,
+        } = e.getData();
+        this.__studyDebtChanged(studyId, debt);
+      });
 
       qx.event.message.Bus.subscribe("reloadStudies", () => {
         this.invalidateStudies();
@@ -1065,7 +1081,7 @@ qx.Class.define("osparc.dashboard.StudyBrowser", {
 
         studiesDeleteButton.set({
           visibility: selection.length && currentContext === "trash" ? "visible" : "excluded",
-          label: this.tr("Delete permamently") + (selection.length > 1 ? this.tr(" selected ") + `(${selection.length})` : ""),
+          label: this.tr("Delete permanently") + (selection.length > 1 ? this.tr(" selected ") + `(${selection.length})` : ""),
         });
       });
 
@@ -1420,6 +1436,12 @@ qx.Class.define("osparc.dashboard.StudyBrowser", {
 
     __studyStateReceived: function(studyId, state, errors) {
       osparc.store.Store.getInstance().setStudyState(studyId, state);
+      if (errors && errors.length) {
+        console.error(errors);
+      }
+    },
+
+    __studyStateChanged: function(studyId, state) {
       const idx = this._resourcesList.findIndex(study => study["uuid"] === studyId);
       if (idx > -1) {
         this._resourcesList[idx]["state"] = state;
@@ -1428,8 +1450,16 @@ qx.Class.define("osparc.dashboard.StudyBrowser", {
       if (studyItem) {
         studyItem.setState(state);
       }
-      if (errors && errors.length) {
-        console.error(errors);
+    },
+
+    __studyDebtChanged: function(studyId, debt) {
+      const idx = this._resourcesList.findIndex(study => study["uuid"] === studyId);
+      if (idx > -1) {
+        this._resourcesList[idx]["debt"] = debt;
+      }
+      const studyItem = this._resourcesContainer.getCards().find(card => osparc.dashboard.ResourceBrowserBase.isCardButtonItem(card) && card.getUuid() === studyId);
+      if (studyItem) {
+        studyItem.setDebt(debt);
       }
     },
 
@@ -1694,7 +1724,7 @@ qx.Class.define("osparc.dashboard.StudyBrowser", {
     },
 
     __getBillingMenuButton: function(card) {
-      const text = osparc.utils.Utils.capitalize(this.tr("Tier Settings..."));
+      const text = osparc.utils.Utils.capitalize(this.tr("Billing Settings..."));
       const studyBillingSettingsButton = new qx.ui.menu.Button(text);
       studyBillingSettingsButton["billingSettingsButton"] = true;
       studyBillingSettingsButton.addListener("tap", () => card.openBilling(), this);
diff --git a/services/static-webserver/client/source/class/osparc/data/Resources.js b/services/static-webserver/client/source/class/osparc/data/Resources.js
index 00808b4b299..40786ae0050 100644
--- a/services/static-webserver/client/source/class/osparc/data/Resources.js
+++ b/services/static-webserver/client/source/class/osparc/data/Resources.js
@@ -162,6 +162,10 @@ qx.Class.define("osparc.data.Resources", {
             method: "PUT",
             url: statics.API + "/projects/{studyId}/wallet/{walletId}"
           },
+          payDebt: {
+            method: "POST",
+            url: statics.API + "/projects/{studyId}/wallet/{walletId}:pay-debt"
+          },
           openDisableAutoStart: {
             method: "POST",
             url: statics.API + "/projects/{studyId}:open?disable_service_auto_start={disableServiceAutoStart}"
diff --git a/services/static-webserver/client/source/class/osparc/desktop/MainPage.js b/services/static-webserver/client/source/class/osparc/desktop/MainPage.js
index 0ccb9bbe8b9..39968f8913d 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/MainPage.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/MainPage.js
@@ -89,11 +89,7 @@ qx.Class.define("osparc.desktop.MainPage", {
       const socket = osparc.wrapper.WebSocket.getInstance();
       if (!socket.slotExists("walletOsparcCreditsUpdated")) {
         socket.on("walletOsparcCreditsUpdated", data => {
-          const store = osparc.store.Store.getInstance();
-          const walletFound = store.getWallets().find(wallet => wallet.getWalletId() === parseInt(data["wallet_id"]));
-          if (walletFound) {
-            walletFound.setCreditsAvailable(parseFloat(data["osparc_credits"]));
-          }
+          osparc.desktop.credits.Utils.creditsUpdated(data["wallet_id"], data["osparc_credits"]);
         }, this);
       }
     },
diff --git a/services/static-webserver/client/source/class/osparc/desktop/MainPageDesktop.js b/services/static-webserver/client/source/class/osparc/desktop/MainPageDesktop.js
index 40c99616a40..ee935adab67 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/MainPageDesktop.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/MainPageDesktop.js
@@ -78,11 +78,7 @@ qx.Class.define("osparc.desktop.MainPageDesktop", {
       const socket = osparc.wrapper.WebSocket.getInstance();
       if (!socket.slotExists("walletOsparcCreditsUpdated")) {
         socket.on("walletOsparcCreditsUpdated", data => {
-          const store = osparc.store.Store.getInstance();
-          const walletFound = store.getWallets().find(wallet => wallet.getWalletId() === parseInt(data["wallet_id"]));
-          if (walletFound) {
-            walletFound.setCreditsAvailable(parseFloat(data["osparc_credits"]));
-          }
+          osparc.desktop.credits.Utils.creditsUpdated(data["wallet_id"], data["osparc_credits"]);
         }, this);
       }
     }
diff --git a/services/static-webserver/client/source/class/osparc/desktop/StudyEditor.js b/services/static-webserver/client/source/class/osparc/desktop/StudyEditor.js
index bfd02dc41eb..62a759623f6 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/StudyEditor.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/StudyEditor.js
@@ -183,11 +183,30 @@ qx.Class.define("osparc.desktop.StudyEditor", {
         .catch(err => {
           console.error(err);
           let msg = "";
-          if ("status" in err && err["status"] == 409) { // max_open_studies_per_user
-            msg = err["message"];
-          } else if ("status" in err && err["status"] == 423) { // Locked
-            msg = study.getName() + this.tr(" is already opened");
-          } else {
+          if ("status" in err && err["status"]) {
+            if (err["status"] == 402) {
+              msg = err["message"];
+              // The backend might have thrown a 402 because the wallet was negative
+              const match = msg.match(/Project debt\s([-]?\d+(\.\d+)?)\scredits/);
+              let debt = null;
+              if ("debtAmount" in err) {
+                // the study has some debt that needs to be paid
+                debt = err["debtAmount"];
+              } else if (match) {
+                // the study has some debt that needs to be paid
+                debt = parseFloat(match[1]); // Convert the captured string to a number
+              }
+              if (debt) {
+                // if get here, it means that the 402 was thrown due to the debt
+                osparc.store.Store.getInstance().setStudyDebt(study.getUuid(), debt);
+              }
+            } else if (err["status"] == 409) { // max_open_studies_per_user
+              msg = err["message"];
+            } else if (err["status"] == 423) { // Locked
+              msg = study.getName() + this.tr(" is already opened");
+            }
+          }
+          if (!msg) {
             msg = this.tr("Error opening study");
             if ("message" in err) {
               msg += "<br>" + err["message"];
diff --git a/services/static-webserver/client/source/class/osparc/desktop/credits/BillingCenter.js b/services/static-webserver/client/source/class/osparc/desktop/credits/BillingCenter.js
index 8e68c41070c..d27acc99fe0 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/credits/BillingCenter.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/credits/BillingCenter.js
@@ -126,18 +126,7 @@ qx.Class.define("osparc.desktop.credits.BillingCenter", {
     __openBuyCredits: function() {
       if (this.__paymentMethods) {
         const paymentMethods = this.__paymentMethods.getPaymentMethods();
-        const buyView = new osparc.desktop.credits.BuyCreditsStepper(
-          paymentMethods.map(({idr, cardHolderName, cardNumberMasked}) => ({
-            label: `${cardHolderName} ${cardNumberMasked}`,
-            id: idr
-          }))
-        );
-        const win = osparc.ui.window.Window.popUpInWindow(buyView, "Buy credits", 400, 600).set({
-          resizable: false,
-          movable: false
-        });
-        buyView.addListener("completed", () => win.close());
-        win.addListener("close", () => buyView.cancelPayment())
+        osparc.desktop.credits.Utils.openBuyCredits(paymentMethods);
       }
     },
 
diff --git a/services/static-webserver/client/source/class/osparc/desktop/credits/BuyCreditsStepper.js b/services/static-webserver/client/source/class/osparc/desktop/credits/BuyCreditsStepper.js
index ca6118ecb6e..f569fb05b34 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/credits/BuyCreditsStepper.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/credits/BuyCreditsStepper.js
@@ -17,7 +17,8 @@ qx.Class.define("osparc.desktop.credits.BuyCreditsStepper", {
     this.__buildLayout()
   },
   events: {
-    "completed": "qx.event.type.Event"
+    "completed": "qx.event.type.Event",
+    "cancelled": "qx.event.type.Event",
   },
   properties: {
     paymentId: {
@@ -85,7 +86,7 @@ qx.Class.define("osparc.desktop.credits.BuyCreditsStepper", {
             .finally(() => this.__form.setFetching(false));
         }
       });
-      this.__form.addListener("cancel", () => this.fireEvent("completed"));
+      this.__form.addListener("cancel", () => this.fireEvent("cancelled"));
       this.add(this.__form);
       this.setSelection([this.__form])
     },
diff --git a/services/static-webserver/client/source/class/osparc/desktop/credits/Utils.js b/services/static-webserver/client/source/class/osparc/desktop/credits/Utils.js
index e05d53427da..a797f06a79a 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/credits/Utils.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/credits/Utils.js
@@ -22,6 +22,35 @@ qx.Class.define("osparc.desktop.credits.Utils", {
     DANGER_ZONE: 25, // one hour consumption
     CREDITS_ICON: "@FontAwesome5Solid/database/",
 
+    creditsUpdated: function(walletId, credits) {
+      const store = osparc.store.Store.getInstance();
+      const walletFound = store.getWallets().find(wallet => wallet.getWalletId() === parseInt(walletId));
+      if (walletFound) {
+        walletFound.setCreditsAvailable(parseFloat(credits));
+      }
+    },
+
+    openBuyCredits: function(paymentMethods = []) {
+      const buyView = new osparc.desktop.credits.BuyCreditsStepper(
+        paymentMethods.map(({idr, cardHolderName, cardNumberMasked}) => ({
+          label: `${cardHolderName} ${cardNumberMasked}`,
+          id: idr
+        }))
+      );
+      const win = osparc.ui.window.Window.popUpInWindow(buyView, "Buy credits", 400, 600).set({
+        resizable: false,
+        movable: false
+      });
+      buyView.addListener("completed", () => win.close());
+      buyView.addListener("cancelled", () => win.close());
+      win.addListener("close", () => buyView.cancelPayment())
+      return {
+        window: win,
+        buyCreditsWidget: buyView,
+      };
+    },
+
+
     areWalletsEnabled: function() {
       const statics = osparc.store.Store.getInstance().get("statics");
       return Boolean(statics && statics["isPaymentEnabled"]);
@@ -74,7 +103,7 @@ qx.Class.define("osparc.desktop.credits.Utils", {
       const store = osparc.store.Store.getInstance();
 
       const walletSelector = new qx.ui.form.SelectBox().set({
-        minWidth: 220
+        maxWidth: 250
       });
 
       const populateSelectBox = selectBox => {
diff --git a/services/static-webserver/client/source/class/osparc/desktop/wallets/WalletListItem.js b/services/static-webserver/client/source/class/osparc/desktop/wallets/WalletListItem.js
index e184975f3a3..2c2a70a7f07 100644
--- a/services/static-webserver/client/source/class/osparc/desktop/wallets/WalletListItem.js
+++ b/services/static-webserver/client/source/class/osparc/desktop/wallets/WalletListItem.js
@@ -247,24 +247,24 @@ qx.Class.define("osparc.desktop.wallets.WalletListItem", {
     _applyAccessRights: function(accessRights) {
       this.__buildLayout();
       this.base(arguments, accessRights);
-      this.__buyBtn = new qx.ui.form.Button().set({
+      const buyBtn = new qx.ui.form.Button().set({
         label: this.tr("Buy Credits"),
         icon: "@FontAwesome5Solid/dollar-sign/16",
         maxHeight: 30,
         alignY: "middle",
         visibility: this.__canIWrite() ? "visible" : "excluded",
       });
-      osparc.utils.Utils.setIdToWidget(this.__buyBtn, "buyCreditsBtn");
-      this.bind("accessRights", this.__buyBtn, "enabled", {
+      osparc.utils.Utils.setIdToWidget(buyBtn, "buyCreditsBtn");
+      this.bind("accessRights", buyBtn, "enabled", {
         converter: aR => {
           const myAr = osparc.data.model.Wallet.getMyAccessRights(aR);
           return Boolean(myAr && myAr.write);
         }
       });
-      this.__buyBtn.addListener("execute", () => this.fireDataEvent("buyCredits", {
+      buyBtn.addListener("execute", () => this.fireDataEvent("buyCredits", {
         walletId: this.getKey()
       }), this);
-      this._add(this.__buyBtn, {
+      this._add(buyBtn, {
         row: 0,
         column: 6,
         rowSpan: 2
diff --git a/services/static-webserver/client/source/class/osparc/store/Store.js b/services/static-webserver/client/source/class/osparc/store/Store.js
index e9146a1402f..81a1c4e9dcd 100644
--- a/services/static-webserver/client/source/class/osparc/store/Store.js
+++ b/services/static-webserver/client/source/class/osparc/store/Store.js
@@ -228,6 +228,11 @@ qx.Class.define("osparc.store.Store", {
     },
   },
 
+  events: {
+    "studyStateChanged": "qx.event.type.Data",
+    "studyDebtChanged": "qx.event.type.Data",
+  },
+
   members: {
     // fetch resources that do not require log in
     preloadCalls: async function() {
@@ -422,6 +427,28 @@ qx.Class.define("osparc.store.Store", {
       if (currentStudy && currentStudy.getUuid() === studyId) {
         currentStudy.setState(state);
       }
+
+      this.fireDataEvent("studyStateChanged", {
+        studyId,
+        state,
+      });
+    },
+
+    setStudyDebt: function(studyId, debt) {
+      const studiesWStateCache = this.getStudies();
+      const idx = studiesWStateCache.findIndex(studyWStateCache => studyWStateCache["uuid"] === studyId);
+      if (idx !== -1) {
+        if (debt) {
+          studiesWStateCache[idx]["debt"] = debt;
+        } else {
+          delete studiesWStateCache[idx]["debt"];
+        }
+      }
+
+      this.fireDataEvent("studyDebtChanged", {
+        studyId,
+        debt,
+      });
     },
 
     setTemplateState: function(templateId, state) {
diff --git a/services/static-webserver/client/source/class/osparc/study/BillingSettings.js b/services/static-webserver/client/source/class/osparc/study/BillingSettings.js
index d74093a326f..623fc9ae0f3 100644
--- a/services/static-webserver/client/source/class/osparc/study/BillingSettings.js
+++ b/services/static-webserver/client/source/class/osparc/study/BillingSettings.js
@@ -24,92 +24,278 @@ qx.Class.define("osparc.study.BillingSettings", {
   construct: function(studyData) {
     this.base(arguments);
 
-    this._setLayout(new qx.ui.layout.VBox(5));
+    this._setLayout(new qx.ui.layout.VBox(10));
 
     this.__studyData = studyData;
 
     this.__buildLayout();
   },
 
+  events: {
+    "debtPayed": "qx.event.type.Event",
+  },
+
   members: {
     __studyData: null,
+    __studyWalletId: null,
+    __debtMessage: null,
+
+    _createChildControlImpl: function(id) {
+      let control;
+      switch (id) {
+        case "credit-account-box":
+          control = osparc.study.StudyOptions.createGroupBox(this.tr("Credit Account"));
+          this._add(control);
+          break;
+        case "wallet-selector":
+          control = osparc.desktop.credits.Utils.createWalletSelector("read");
+          this.getChildControl("credit-account-box").add(control);
+          break;
+        case "pay-debt-layout":
+          control = new qx.ui.container.Composite(new qx.ui.layout.VBox(5).set({
+            alignY: "middle",
+          }));
+          this.getChildControl("credit-account-box").add(control);
+          break;
+        case "debt-explanation":
+          control = new qx.ui.basic.Label().set({
+            rich: true,
+            wrap: true,
+          });
+          this.getChildControl("pay-debt-layout").add(control);
+          break;
+        case "buy-credits-button":
+          control = new qx.ui.form.Button().set({
+            label: this.tr("Buy Credits"),
+            icon: "@FontAwesome5Solid/dollar-sign/14",
+            allowGrowX: false
+          });
+          this.getChildControl("pay-debt-layout").add(control);
+          break;
+        case "transfer-debt-button":
+          control = new qx.ui.form.Button().set({
+            label: this.tr("Transfer from this Credit Account"),
+            icon: "@FontAwesome5Solid/exchange-alt/14",
+            allowGrowX: false
+          });
+          this.getChildControl("pay-debt-layout").add(control);
+          break;
+      }
+      return control || this.base(arguments, id);
+    },
 
     __buildLayout: function() {
+      if (osparc.study.Utils.isInDebt(this.__studyData)) {
+        this.__buildDebtMessage();
+      }
       this.__buildWalletGroup();
       this.__buildPricingUnitsGroup();
     },
 
-    __buildWalletGroup: function() {
-      const pricingUnitsLayout = osparc.study.StudyOptions.createGroupBox(this.tr("Credit Account"));
-
-      const populateCreditAccountBox = () => {
-        pricingUnitsLayout.removeAll();
-
-        const hBox = new qx.ui.container.Composite(new qx.ui.layout.HBox(10)).set({
-          alignY: "middle"
-        });
+    __buildDebtMessage: function() {
+      const border = new qx.ui.decoration.Decorator().set({
+        radius: 4,
+        width: 1,
+        style: "solid",
+        color: "danger-red",
+      });
+      const studyAlias = osparc.product.Utils.getStudyAlias();
+      let msg = this.tr(`This ${studyAlias} is currently Embargoed.<br>`);
+      msg += this.tr("Last charge:") + "<br>";
+      msg += this.__studyData["debt"] + " " + this.tr("credits");
+      const debtMessage = this.__debtMessage = new qx.ui.basic.Label(msg).set({
+        decorator: border,
+        font: "text-14",
+        rich: true,
+        padding: 10,
+        marginBottom: 5,
+      });
+      this._add(debtMessage);
+    },
 
-        const walletSelector = osparc.desktop.credits.Utils.createWalletSelector("read");
-        hBox.add(walletSelector);
+    __buildWalletGroup: function() {
+      const boxContent = this.getChildControl("credit-account-box");
 
-        pricingUnitsLayout.add(hBox);
+      const walletSelector = this.getChildControl("wallet-selector");
 
-        const paramsGet = {
-          url: {
-            studyId: this.__studyData["uuid"]
+      const paramsGet = {
+        url: {
+          studyId: this.__studyData["uuid"]
+        }
+      };
+      osparc.data.Resources.fetch("studies", "getWallet", paramsGet)
+        .then(wallet => {
+          if (wallet) {
+            this.__studyWalletId = wallet["walletId"];
+            const walletFound = walletSelector.getSelectables().find(selectables => selectables.walletId === wallet["walletId"]);
+            if (walletFound) {
+              walletSelector.setSelection([walletFound]);
+              if (osparc.study.Utils.isInDebt(this.__studyData)) {
+                this.__addDebtLayout(wallet["walletId"]);
+              }
+            } else {
+              const emptyItem = new qx.ui.form.ListItem("");
+              emptyItem.walletId = null;
+              walletSelector.add(emptyItem);
+              walletSelector.setSelection([emptyItem]);
+              const label = new qx.ui.basic.Label(this.tr("You don't have access to the last used Credit Account"));
+              boxContent.add(label);
+            }
           }
-        };
-        osparc.data.Resources.fetch("studies", "getWallet", paramsGet)
-          .then(wallet => {
+        })
+        .finally(() => {
+          walletSelector.addListener("changeSelection", () => {
+            const wallet = this.__getSelectedWallet();
             if (wallet) {
-              const walletFound = walletSelector.getSelectables().find(selectables => selectables.walletId === wallet["walletId"]);
-              if (walletFound) {
-                walletSelector.setSelection([walletFound]);
+              const walletId = wallet.getWalletId();
+              if (osparc.study.Utils.isInDebt(this.__studyData)) {
+                this.__addDebtLayout(walletId);
               } else {
-                const emptyItem = new qx.ui.form.ListItem("");
-                emptyItem.walletId = null;
-                walletSelector.add(emptyItem);
-                walletSelector.setSelection([emptyItem]);
-                const label = new qx.ui.basic.Label(this.tr("You don't have access to the last used Credit Account"));
-                hBox.add(label);
+                this.__switchWallet(walletId);
               }
             }
-          })
-          .finally(() => {
-            walletSelector.addListener("changeSelection", e => {
-              const selection = e.getData();
-              if (selection.length) {
-                const walletId = selection[0].walletId;
-                if (walletId === null) {
-                  return;
-                }
-                hBox.setEnabled(false);
-                const paramsPut = {
-                  url: {
-                    studyId: this.__studyData["uuid"],
-                    walletId
-                  }
-                };
-                osparc.data.Resources.fetch("studies", "selectWallet", paramsPut)
-                  .then(() => {
-                    const msg = this.tr("Credit Account saved");
-                    osparc.FlashMessenger.getInstance().logAs(msg, "INFO");
-                  })
-                  .catch(err => {
-                    console.error(err);
-                    osparc.FlashMessenger.logAs(err.message, "ERROR");
-                  })
-                  .finally(() => {
-                    hBox.setEnabled(true);
-                    populateCreditAccountBox();
-                  });
-              }
-            });
           });
+        });
+    },
+
+    __getSelectedWallet: function() {
+      const walletSelector = this.getChildControl("wallet-selector");
+      const selection = walletSelector.getSelection();
+      if (selection.length) {
+        const walletId = selection[0].walletId;
+        if (walletId) {
+          const wallet = osparc.desktop.credits.Utils.getWallet(walletId);
+          if (wallet) {
+            return wallet;
+          }
+        }
+      }
+      return null;
+    },
+
+    __getStudyWallet: function() {
+      if (this.__studyWalletId) {
+        const wallet = osparc.desktop.credits.Utils.getWallet(this.__studyWalletId);
+        if (wallet) {
+          return wallet;
+        }
+      }
+      return null;
+    },
+
+    __addDebtLayout: function(walletId) {
+      const payDebtLayout = this.getChildControl("pay-debt-layout");
+      payDebtLayout.removeAll();
+
+      const wallet = osparc.desktop.credits.Utils.getWallet(walletId);
+      const myWallets = osparc.desktop.credits.Utils.getMyWallets();
+      if (myWallets.find(wllt => wllt === wallet)) {
+        // It's my wallet
+        this._createChildControlImpl("debt-explanation").set({
+          value: this.tr("Top up the Credit Account:<br>Purchase additional credits to bring the Credit Account balance back to a positive value.")
+        });
+        const buyCreditsButton = this._createChildControlImpl("buy-credits-button");
+        buyCreditsButton.addListener("execute", () => this.__openBuyCreditsWindow(), this);
+      } else {
+        // It's a shared wallet
+        this._createChildControlImpl("debt-explanation").set({
+          value: this.tr("Transfer credits from another Account:<br>Use this Credit Account to cover the negative balance.")
+        });
+        const transferDebtButton = this._createChildControlImpl("transfer-debt-button");
+        transferDebtButton.addListener("execute", () => this.__transferCredits(), this);
+      }
+    },
+
+    __openBuyCreditsWindow: function() {
+      const wallet = this.__getSelectedWallet();
+      if (wallet) {
+        osparc.desktop.credits.Utils.getPaymentMethods(wallet.getWalletId())
+          .then(paymentMethods => {
+            const {
+              buyCreditsWidget
+            } = osparc.desktop.credits.Utils.openBuyCredits(paymentMethods);
+            buyCreditsWidget.addListener("completed", () => {
+              // at this point we can assume that the study got unblocked
+              this.__debtPayed();
+            })
+          });
+      }
+    },
+
+    __transferCredits: function() {
+      const originWallet = this.__getSelectedWallet();
+      const destWallet = this.__getStudyWallet();
+      let msg = this.tr("A credits transfer will be initiated to cover the negative balance:");
+      msg += "<br>- " + this.tr("Credits to transfer: ") + -1*this.__studyData["debt"];
+      msg += "<br>- " + this.tr("From: ") + originWallet.getName();
+      msg += "<br>- " + this.tr("To: ") + destWallet.getName();
+      const confirmationWin = new osparc.ui.window.Confirmation(msg).set({
+        confirmText: this.tr("Transfer"),
+      });
+      confirmationWin.open();
+      confirmationWin.addListener("close", () => {
+        if (confirmationWin.getConfirmed()) {
+          this.__doTransferCredits();
+        }
+      }, this);
+    },
+
+    __doTransferCredits: function() {
+      const wallet = this.__getSelectedWallet();
+      const params = {
+        url: {
+          studyId: this.__studyData["uuid"],
+          walletId: wallet.getWalletId(),
+        },
+        data: {
+          amount: this.__studyData["debt"],
+        }
       };
-      populateCreditAccountBox();
+      osparc.data.Resources.fetch("studies", "payDebt", params)
+        .then(() => {
+          // at this point we can assume that the study got unblocked
+          this.__debtPayed();
+          // also switch the study's wallet to this one
+          this.__switchWallet(wallet.getWalletId());
+        })
+        .catch(err => {
+          console.error(err);
+          osparc.FlashMessenger.logAs(err.message, "ERROR");
+        });
+    },
 
-      this._add(pricingUnitsLayout);
+    __debtPayed: function() {
+      delete this.__studyData["debt"];
+      osparc.store.Store.getInstance().setStudyDebt(this.__studyData["uuid"], 0);
+      this.fireEvent("debtPayed");
+      if (this.__debtMessage) {
+        this._remove(this.__debtMessage);
+      }
+      this.getChildControl("pay-debt-layout").removeAll();
+    },
+
+    __switchWallet: function(walletId) {
+      const creditAccountBox = this.getChildControl("credit-account-box");
+      creditAccountBox.setEnabled(false);
+      const paramsPut = {
+        url: {
+          studyId: this.__studyData["uuid"],
+          walletId
+        }
+      };
+      osparc.data.Resources.fetch("studies", "selectWallet", paramsPut)
+        .then(() => {
+          this.__studyWalletId = walletId;
+          const msg = this.tr("Credit Account saved");
+          osparc.FlashMessenger.getInstance().logAs(msg, "INFO");
+        })
+        .catch(err => {
+          console.error(err);
+          osparc.FlashMessenger.logAs(err.message, "ERROR");
+        })
+        .finally(() => {
+          creditAccountBox.setEnabled(true);
+        });
     },
 
     __buildPricingUnitsGroup: function() {
diff --git a/services/static-webserver/client/source/class/osparc/study/Utils.js b/services/static-webserver/client/source/class/osparc/study/Utils.js
index 66ed40201f4..445b2f82c31 100644
--- a/services/static-webserver/client/source/class/osparc/study/Utils.js
+++ b/services/static-webserver/client/source/class/osparc/study/Utils.js
@@ -266,6 +266,10 @@ qx.Class.define("osparc.study.Utils", {
       });
     },
 
+    isInDebt: function(studyData) {
+      return Boolean("debt" in studyData && studyData["debt"] < 0);
+    },
+
     __getBlockedState: function(studyData) {
       if (studyData["workbench"]) {
         const unaccessibleServices = osparc.study.Utils.getInaccessibleServices(studyData["workbench"])
@@ -276,6 +280,9 @@ qx.Class.define("osparc.study.Utils", {
       if (studyData["state"] && studyData["state"]["locked"] && studyData["state"]["locked"]["value"]) {
         return "IN_USE";
       }
+      if (this.isInDebt(studyData)) {
+        return "IN_DEBT";
+      }
       return false;
     },
 
@@ -286,7 +293,7 @@ qx.Class.define("osparc.study.Utils", {
 
     canShowBillingOptions: function(studyData) {
       const blocked = this.__getBlockedState(studyData);
-      return [false].includes(blocked);
+      return ["IN_DEBT", false].includes(blocked);
     },
 
     canShowServiceUpdates: function(studyData) {
diff --git a/services/static-webserver/client/source/class/osparc/ui/basic/DateAndBy.js b/services/static-webserver/client/source/class/osparc/ui/basic/DateAndBy.js
index abc819dc8d9..320a5562f71 100644
--- a/services/static-webserver/client/source/class/osparc/ui/basic/DateAndBy.js
+++ b/services/static-webserver/client/source/class/osparc/ui/basic/DateAndBy.js
@@ -80,6 +80,7 @@ qx.Class.define("osparc.ui.basic.DateAndBy", {
         const label = this.getChildControl("date-text");
         const today = new Date();
         const yesterday = new Date();
+        yesterday.setDate(yesterday.getDate() - 1);
         if (today.toDateString() === value.toDateString()) {
           label.setValue(osparc.utils.Utils.formatDateAndTime(value)); // show date and time
         } else if (yesterday.toDateString() === value.toDateString()) {