<h2>WooCommerce Store Credit & Loyalty System – Turn First-Time Buyers Into Repeat Customers</h2>
<p>Account Funds lets you create a complete store credit, cashback, and customer rewards system for WooCommerce. Award cashback on purchases, reward milestone actions like signups and reviews, issue refunds as store credit, sell prepaid store credit products, and let customers top up their balance. Everything you need to keep revenue in your ecosystem and customers coming back.</p>
<figure id="attachment_18734006174337" aria-describedby="caption-attachment-18734006174337" style="width: 896px" class="wp-caption alignnone"><img class="wp-image-18734006174337 size-medium" title="Account Funds checkout with store credit" src="https://woocommerce.com/wp-content/uploads/2012/08/Add-new-cashback-reward-‹-wc98-—-WordPress-2026-01-03-at-4.04.41-PM.png?w=896" alt="Adding cashback rewards with Account Funds for WooCommerce" width="896" height="280" /><figcaption id="caption-attachment-18734006174337" class="wp-caption-text">Adding cashback rewards with Account Funds for WooCommerce</figcaption></figure>
<h2></h2>
<h2 style="color: #f5247d">What You Can Do With Account Funds</h2>
<ul>
<li><strong>Cashback rewards on purchases</strong>: Award store credit when customers pay for orders or purchase specific products. You can set percentage-based or fixed amounts, and the eligibility system lets you control minimum order values, restrict to specific product categories, or exclude sale items and coupon orders.</li>
<li><strong>Milestone rewards for customer actions</strong>: Give store credit when customers register an account or leave product reviews. Great for building loyalty from day one.</li>
<li><strong>Partial payments with store credit</strong>: Customers can apply their available balance and pay the difference with credit card, PayPal, or any other WooCommerce payment gateway. No all-or-nothing restrictions that frustrate shoppers who don’t have enough balance to cover the full order.</li>
<li><strong>Refund to store credit</strong>: Issue refunds instantly to customer balances instead of waiting 3-10 business days for payment processor refunds. Keeps revenue in your store while giving customers immediate resolution.</li>
<li><strong>Store credit products</strong>: Sell prepaid store credit at full price or discounted, which works well for WooCommerce gift cards, B2B prepayment accounts, or promotional bundles (for example, customers pay $80 for $100 credit).</li>
<li><strong>My Account top-up</strong>: Customers can add funds directly from their account page. You control the minimum and maximum top-up amounts.</li>
<li><strong>Admin balance management</strong>: View all customer store credit balances at a glance from the WordPress Users screen, make manual adjustments, and track complete transaction history for accounting and customer service.</li>
<li><strong>WooCommerce Subscriptions compatibility</strong>: Works with <a href="https://woocommerce.com/products/woocommerce-subscriptions/">WooCommerce Subscriptions</a> and <a href="https://woocommerce.com/products/constellation/">Constellation</a> for prepaid subscription payments and recurring credit awards as part of a membership.</li>
</ul>
<h2 style="color: #f5247d">Why Store Credit Beats Points Programs</h2>
<p>Points-based WooCommerce loyalty programs add complexity. Customers need to understand conversion rates, remember point values, and do math at checkout. Store credit is simpler: $10 credit means $10 off. No confusion, no friction.</p>
<p><strong>Account Funds advantages over WooCommerce points and rewards plugins:</strong></p>
<ul>
<li><strong>Real currency, not abstract points</strong>: Customers see “$15.00 balance” not “1,500 points.” No conversion confusion at checkout.</li>
<li><strong>Flexible award triggers</strong>: Cashback on orders, product purchases, account registration, and reviews. You configure exactly when and how credit is earned.</li>
<li><strong>Works like a payment gateway</strong>: Store credit appears at checkout alongside credit cards and PayPal. Customers understand it immediately because it behaves like any other payment method.</li>
<li><strong>Refund workflow built-in</strong>: Turn refunds into future purchases with one click. Most points plugins don’t handle this use case at all.</li>
<li><strong>B2B prepayment ready</strong>: Wholesale customers can prepay with store credit products. No points-to-dollars conversion needed for invoicing or accounting.</li>
</ul>
<h2>Common Use Cases</h2>
<h3>Customer Loyalty & Retention</h3>
<p>Award cashback on all orders to encourage repeat purchases. Customers who have a store credit balance are significantly more likely to return than those who don’t, since they’ve already got money in your store.</p>
<h3>Registration Incentives</h3>
<p>Give store credit when customers create an account. This converts guest checkouts into registered customers you can market to, and the credit balance gives them a reason to come back.</p>
<h3>Review Rewards</h3>
<p>Award store credit for each product review. You’re building social proof while giving customers a reason to engage after purchase. Set it to $2, $5, or whatever makes sense for your margins.</p>
<h3>Refund Retention</h3>
<p>Offer refunds as store credit instead of processing payment gateway refunds. You keep the revenue in your ecosystem while resolving customer issues faster than traditional refund processing.</p>
<h3>Gift Cards & Prepaid Credit</h3>
<p>Sell store credit products as WooCommerce gift cards. Customers can purchase credit for themselves or as gifts for others, and the balance applies automatically at checkout without coupon codes.</p>
<h3>B2B & Wholesale Accounts</h3>
<p>Let business customers prepay for orders. They add $500 to their account, you fulfill orders against that balance. This simplifies invoicing for repeat B2B customers and reduces payment friction on every order.</p>
<h3>Membership Benefits</h3>
<p>Grant monthly store credit to members using WooCommerce Subscriptions or Constellation. A $25/month membership that includes $10 store credit encourages members to make additional purchases beyond just claiming their membership benefit.</p>
<h2 style="color: #f5247d">How It Works</h2>
<p><strong>For customers:</strong> Store credit appears as a payment method at checkout. They can use their full balance or combine it with another payment method for partial payment. Their balance is visible in My Account and throughout the shopping experience.</p>
<p><strong>For store owners:</strong> Create cashback and milestone rewards from dedicated admin screens under Account Funds. Set eligibility rules, award caps, and active/inactive status. View all customer balances from the WordPress Users screen, and process refunds to store credit with one click from any order.</p>
<h2>Track Everything With Built-In Reports</h2>
<p>See deposits, redemptions, and balances over time. Filter by date range, view per-customer transaction history, and understand how store credit flows through your business. Reports show total deposits, usage rates, and outstanding liabilities for accounting purposes.</p>
<h2>Requirements</h2>
<ul>
<li>WooCommerce 8.2 or higher</li>
<li>PHP 7.4 or higher</li>
</ul>
<h2 style="color: #f5247d">Frequently Asked Questions</h2>
<h3>Can store credit expire?</h3>
<p>Yes. When configuring rewards, you can set expiration periods. Credit expires based on when it was earned, not when the reward was created.</p>
<h3>Does this work with WooCommerce Subscriptions?</h3>
<p>Yes. Customers can use store credit to pay for subscription renewals, and you can award store credit as part of an ongoing subscription or membership benefit.</p>
<h3>Can I rename “Store credit” to something else?</h3>
<p>Yes. In Account Funds settings, you can customize the customer-facing label to “Account funds,” “Store points,” “Wallet balance,” or whatever term fits your brand.</p>
<h3>Does partial payment work with all payment gateways?</h3>
<p>Yes. When partial payment is enabled, customers can apply their store credit balance and pay the remaining amount with any active WooCommerce payment gateway: Stripe, PayPal, Square, or any other.</p>
<h3>Can I exclude certain products from store credit payment?</h3>
<p>Store credit works as a payment method for all products. For cashback rewards specifically, you can configure eligibility rules to include or exclude specific products, categories, and product types.</p>
<h3>Is there a REST API?</h3>
<p>Yes. Account Funds extends the WooCommerce REST API to include customer balances and transaction data, which is useful for mobile apps, external integrations, or custom reporting dashboards.</p>
<p>Made by <a href="https://kestrelwp.com"><img src="https://static.kestrelwp.com/kestrel-logo.png" alt="Kestrel logo" width="200" height="45" /></a></p>

Account Funds

<p>Award cashback, reward signups and reviews, issue refunds as store credit, and sell prepaid credit products. Complete WooCommerce loyalty system.</p>

<ul class="wccom-tick-list-primary">
<li><strong>Create a marketplace that can sell anything.</strong><br />
From physical, hand-made products to digital downloads like photographs, themes, fonts, audio or video and even time-based bookings with our integration with WooCommerce Bookings.</li>
<li><strong>Continue selling your own products.</strong><br />
Display vendor products for sale right alongside your own products.</li>
<li><strong>Set vendor-specific commission rates.</strong><br />
Incentivize new vendors to join your marketplace or reward loyal or high earnings with vendor-specific commission rates – while still setting a separate base commission rate across your marketplace.</li>
<li><strong>Reduce your admin.</strong><br />
Allow vendors to manage their own products.</li>
<li><strong>Don’t pay commissions on orders that are not completed.</strong><br />
Set commissions only to be assigned to vendors once the order is completed.</li>
<li><strong>Stay on top of your marketplace with sales reports.</strong><br />
Get an overall view of vendor sales, commissions, and monthly earnings by vendor.</li>
<li><strong>Delay commission payments to account for returns.</strong><br />
Use PayPal Payouts to delay commission payments in case of returns on physical products.</li>
</ul>
<hr class="wccom-product-heading__hr" />
<h2>Turn your store into a multi-vendor marketplace</h2>
<p>Do you have an existing site and loyal community and would like to find ways to <strong>diversify your revenue</strong>? Or would you like to start an eCommerce business without investing in creating your product line? With <strong>Product Vendors for WooCommerce</strong> you can <strong>instantly</strong> turn a Woo store into a marketplace with multiple vendors, products and payout settings.</p>
<p>Allow multiple vendors to sell via your site and, in return, take a commission on sales to cover the costs of managing the site while you focus your efforts on building a community.</p>
<hr class="wccom-product-heading__hr" />
<h2>Product Vendors caters for both vendors and marketplace owners with specific features that ensure:</h2>
<p><strong>Vendors</strong> can:</p>
<ul class="wccom-tick-list">
<li>control their public profile</li>
<li>manage their products and edit per-product shipping rules themselves</li>
<li>add private notes to orders or notes to customers (e.g. tracking numbers)</li>
<li>view their orders and reports on sales performance</li>
<li>sell physical and/or digital products as well as time-based bookings</li>
<li>receive commission payouts</li>
</ul>
<p><strong>Marketplace owners</strong> can:</p>
<ul class="wccom-tick-list">
<li>accept and approve applications from potential vendors</li>
<li>set up one or more vendor admins to manage vendor’s information</li>
<li>set up each vendor’s commission and payout schedule</li>
<li>integrate with <a href="https://woocommerce.com/products/woocommerce-bookings/">WooCommerce Bookings</a> to allow vendors to sell time-based bookings</li>
<li>display a vendor rating composed of the ratings of all of the products they sell</li>
<li>set products to need approval before being added to the store on a per-vendor basis</li>
<li>enable commissions on sales to be a set amount or a percentage and set this individually, per-vendor, per-product, or per-store</li>
<li>make payments to vendors instantly, manually, weekly, bi-weekly or monthly</li>
</ul>
<div class="woo-sc-hr"></div>
<div class="twocol-one">
<h3>Vendor registration form</h3>
<p><img class="alignnone size-full wp-image-1506416" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Registration@2x.jpg" alt="Product-Vendor-Registration@2x" width="620" height="236" /><br />
Vendors can register and/or apply by filling out a registration form expressing their interest in selling on your store and they can be accepted and approved on a per application basis.</p>
<h3>Send approval emails to vendors</h3>
<p><img class="alignnone size-full wp-image-1506413" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Emails@2x.jpg" alt="Product-Vendor-Emails@2x" width="620" height="236" /><br />
You can now notify potential vendors when their application has been approved with an email sent directly to their inbox.</p>
<h3>Multiple vendor settings</h3>
<p><img class="alignnone size-full wp-image-1506417" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Roles@2x.jpg" alt="Product-Vendor-Roles@2x" width="620" height="236" /><br />
Choose from multiple Vendor role settings including Vendor Admin (has access to all vendor settings) and Vendor Manager (limited access, can’t see sales tax or other settings).</p>
<h3>Feature rich vendor management</h3>
<p><img class="alignnone size-full wp-image-1506419" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Vendors@2x.jpg" alt="Product-Vendor-Vendors@2x" width="620" height="236" /><br />
Set up one or more WooCommerce users to manage the vendor’s information including profile, email address and logo.</p>
</div>
<div class="twocol-one last">
<h3>Intuitive Commission List Management</h3>
<p><img class="alignnone size-full wp-image-1506412" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Commission@2x.jpg" alt="Product-Vendor-Commission@2x" width="620" height="236" /><br />
Commissions on sales can be a set amount (ex. $5 on every purchase) or a percentage (ex. 25% of each sale) — you can set this individually per-vendor, per-product, or per-store.</p>
<h3>Manage orders, shipments, and customer notes</h3>
<p><img class="alignnone size-full wp-image-1506418" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Shipping@2x.jpg" alt="Product-Vendor-Shipping@2x" width="620" height="236" /><br />
Product vendors have built in Per Product Shipping and the ability to add private notes or notes to customers (e.g. tracking numbers).</p>
<h3>Selectively show vendor information</h3>
<p><img class="alignnone size-full wp-image-1506415" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Profiles@2x.jpg" alt="Product-Vendor-Profiles@2x" width="620" height="236" /><br />
Turn your store into a real marketplace by selectively showing each vendor’s, name per product, overall rating, profile photo and profile information.</p>
<h4>Manage payout settings</h4>
<p><img class="alignnone size-full wp-image-1506414" src="https://woocommerce.com/wp-content/uploads/2016/02/Product-Vendor-Payouts@2x.jpg" alt="Product-Vendor-Payouts@2x" width="620" height="236" /><br />
Payments to vendors can be made, instantly (this is a per-vendor setting only and uses PayPal Payouts*), manually, weekly, bi-weekly and monthly.<br />
<em>* subject to approval by PayPal</em></p>
</div>

Product Vendors

<p>Turn your store into a multi-vendor marketplace</p>

Account Funds vs Product Vendors