Credit Line or Credits for WooCommerce allows you to offer a Line of Credit to your customers using which they can buy the products in your shop now and pay later.
<h2 align="left">How Credit Line or Credits for WooCommerce Can Help Your Shop</h2>
<h3 align="left">Increase Your Site’s Revenue</h3>
When your customers browse products on your site, there’s always a chance that they will postpone purchasing because of insufficient funds. With credits, they won’t have to abandon their carts. They can purchase on the spot. What’s more, you can choose to charge interest on transactions made with credits. This can increase your site’s revenue.
<h3 align="left">Increase Customer Loyalty</h3>
Offering credits is a show of good faith and can help boost future sales from repeat customers.
<h3 align="left">Attract New Customers</h3>
Satisfied customers are more likely to refer new customers to your site.
<h2 align="left">How Credit Line or Credits for WooCommerce Can Help Your Customers</h2>
<h3 align="left">Convenience</h3>
Your customers won’t have to postpone purchases due to insufficient funds. Plus, they won’t have to keep their payment credentials on hand at all times—they can use credits instead.
<h3 align="left">Interest-Free Credit</h3>
If you choose not to charge interest, your customers will only be responsible for repaying the regular price of a product.
<h3 align="left">Generous Repayment Period</h3>
You can offer customers up to 58 days from the date of purchase to repay the credits they used.
<h2 align="left">How Credit Line or Credits for WooCommerce Works?</h2>
<h3>1. Fund Types</h3>
This plugin comes up with 2 fund types.
<ol>
<li>
Admin Funds
</li>
<li>
Virtual Funds
</li>
</ol>
Admin Funds
In this type, to offer a credit line to the customers, first you(admin) has to load funds to your admin account and from admin account it can be transferred to customers account. In this type, you will have a statistics on total funds approved to customers.
Virtual Funds
In this type Funds can be issued without any limitation from admin side.
<h3>2. Approval Methods</h3>
This plugin supports three ways to offer Credit Line to customers,
<ol>
<li>
Auto Approval
</li>
<li>
Application Based Approval
</li>
<li>
Complete Manual
</li>
</ol>
Auto Approval
Based on Criteria set by site admin, Credit Line can be approved for all the customers on the site automatically.
<figure id="attachment_18734003605601" aria-describedby="caption-attachment-18734003605601" style="width: 881px" class="wp-caption alignnone"><img class="wp-image-18734003605601 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/01-auto_approval.png" alt="" width="881" height="1200" /><figcaption id="caption-attachment-18734003605601" class="wp-caption-text">Credit Line Auto-Approval</figcaption></figure>
Application Based Approval – Manual Approval
Customers will have to submit the application and the site admin will have to review the application and approve or reject the customer’s application.
<figure id="attachment_18734003605615" aria-describedby="caption-attachment-18734003605615" style="width: 1233px" class="wp-caption alignnone"><img class="wp-image-18734003605615 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/02-application_manual_approval.png" alt="" width="1233" height="2459" /><figcaption id="caption-attachment-18734003605615" class="wp-caption-text">Application submission & manual approval</figcaption></figure>
Application Based Approval – Auto Approval
Customers will have to submit the application and if the Criteria set by site admin matches, then the Credit Line will be automatically approved automatically.
<figure id="attachment_18734003605623" aria-describedby="caption-attachment-18734003605623" style="width: 1233px" class="wp-caption alignnone"><img class="wp-image-18734003605623 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/03-application-auto-approval.png" alt="" width="1233" height="2321" /><figcaption id="caption-attachment-18734003605623" class="wp-caption-text">Application submission & automatic approval</figcaption></figure>
Complete Manual
Admin can manually create a Credits account for any customer on the site and they can add Credit Line to the customer as per their wish.
<figure id="attachment_18734003605628" aria-describedby="caption-attachment-18734003605628" style="width: 975px" class="wp-caption alignnone"><img class="wp-image-18734003605628 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/04-manual-approval.png" alt="" width="975" height="1206" /><figcaption id="caption-attachment-18734003605628" class="wp-caption-text">Admin manually issuing credit line to users</figcaption></figure>
<h3>3. Credit Line Usage</h3>
Once Credit Line is approved for the customer, they can view the details in their Credits Dashboard. In Credits Dashboard, customers will be able to Make Payment(Advance Payment, Custom Amount Bill Payment, Full Bill Payment), View Unbilled Transactions, View Statements.
<figure id="attachment_18734003605630" aria-describedby="caption-attachment-18734003605630" style="width: 980px" class="wp-caption alignnone"><img class="wp-image-18734003605630 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/05-credits_dashboard.png" alt="" width="980" height="506" /><figcaption id="caption-attachment-18734003605630" class="wp-caption-text">Customer’s credits dashboard</figcaption></figure>
Customers can place orders using the “Credits” payment method which will be available in Checkout if they have enough Credits available in their account. In case if the order amount is more than their Available Credits, the payment method will be hidden for the customer.
<figure id="attachment_18734003605632" aria-describedby="caption-attachment-18734003605632" style="width: 1276px" class="wp-caption alignnone"><img class="wp-image-18734003605632 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/06-checkout_page.png" alt="" width="1276" height="1612" /><figcaption id="caption-attachment-18734003605632" class="wp-caption-text">Customer using credit line for their purchases</figcaption></figure>
<h3>4. Bill Generation and Payment</h3>
Admin can globally set the billing date and on the set date bill will be generated for all the customers. Admin can also edit the billing date of each customer.
Once the bill is generated, customers will be notified by email with a link to download their statement. At this point their due date also will be set as per the admin configuration. Admin can also edit the due of each customer.
<figure id="attachment_18734003605636" aria-describedby="caption-attachment-18734003605636" style="width: 1256px" class="wp-caption alignnone"><img class="wp-image-18734003605636 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/07-bill_statement.png" alt="" width="1256" height="602" /><figcaption id="caption-attachment-18734003605636" class="wp-caption-text">Credits bill statement</figcaption></figure>
After reviewing the bill, customers will have to pay their bill amount on/before the due date. Customers can pay their bill amount from their Credits Dashboard. Customers can also make advance payment and custom amount payment as per their convenience from their Credits dashboard.
<figure id="attachment_18734003605655" aria-describedby="caption-attachment-18734003605655" style="width: 1216px" class="wp-caption alignnone"><img class="wp-image-18734003605655 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/08-repayment.png" alt="" width="1216" height="1820" /><figcaption id="caption-attachment-18734003605655" class="wp-caption-text">Customer making payment for generated bill statement</figcaption></figure>
If admin have received the payment in offline mode(i.e. outside WooCommerce), then admin can make the payment on behalf of the customer.
<figure id="attachment_18734003605688" aria-describedby="caption-attachment-18734003605688" style="width: 980px" class="wp-caption alignnone"><img class="wp-image-18734003605688 size-full" src="https://woocommerce.com/wp-content/uploads/2020/01/09-offline_repayment.png" alt="" width="980" height="1866" /><figcaption id="caption-attachment-18734003605688" class="wp-caption-text">Admin makes custom payment on behalf of users</figcaption></figure>
If the customers doesn’t make the repayment even after the due date, their Credits account status will be moved to “Overdue” and Late Payment(optional fee which has to be set by admin) will be debited from their account automatically. Admin can also block customers Credits usage if the status is Overdue.
This whole process will be repeated every month.
<h2>Extensive Features List</h2>
1. Create predefined rules with multiple rule sets to give different credit line based on different criteria. 
2. Automatically increase credit line to eligible customers. 
3. Approve credit line automatically. 
4. Application form can be created with multiple form fields support. 
5. Approve credit line automatically as soon as the application form is submitted by the customer. 
6. Approve credit line manually once the application form is submitted by the customer. 
7. Application form can be shown only for specific customers. 
8. Give credit line to customers from admin funds or from virtual funds. 
9. Monthly billing and repayment. 
10. Up to 58 days of repayment period. 
11. Possible to charge interest for credit usage. 
12. A fixed amount of percentage of credits used can be charged as interest. 
13. A Late payment fee can be charged if payment is not made within the due date. 
14. User level option to disable late payment fee for certain customers. 
15. Option to disable specific payment methods for repayment of credits. 
16. Separate page for credits dashboard. 
17. Option to display credits dashboard in My Account page. 
18. Custom logo can be displayed in bill statement. 
19. Order status can be predefined for the orders placed using the Credits payment method. 
20. For orders placed using the Credits payment method, when to debit funds(on reaching which order status) can be predefined. 
21. Bill can be generated in PDF or HTML file format. 
22. Customers can be allowed to place orders using Credits only if the cart total is more than the set value. 
23. Option for the Admin to modify a customer’s billing date or repayment date. 
24. Option to allow customers to use their Credits for placing orders in overdue status. 
25. Option for the customer to make advance payment. 
26. Option for the customer to pay a custom amount or make the full payment. 
27. Compatibility with WooCommerce Subscriptions: Option for the customer to automatically renew their subscriptions using the Credit Line.

Credit Line or Credits

Offer a Line of Credit to your customers for purchasing in your shop. The customers can pay later the used Credit Line.

<h2>A modern Points and Rewards plugin from the authors of the most popular Referral plugin.</h2>
Points and Rewards for WooCommerce is the most flexible yet easy-to-use loyalty plugin for WordPress. Built to deliver the polished experience you’d expect from top-tier Shopify apps, it gives you complete control over how customers earn and redeem points, while keeping the experience seamless for your shoppers.
<ul class="wccom-tick-list-primary">
<li>Flexible earning rules – Reward customers for purchasing, signing up, leaving reviews, social media follows or custom actions.</li>
<li>Points redemption options – Let users redeem points for discounts, coupons, or other rewards.</li>
<li>Klaviyo, MailChimp, OmniSend and Brevo Integration – Automatically sync customer points with Leading Marketing Platforms.</li>
<li>Customizable display – Tailor how and where points appear on your store using built-in display settings.</li>
<li>Email notifications – Automatically notify users about points earned, redeemed, or about to expire.</li>
<li>Manual adjustments – Easily add or deduct points from any user through the admin panel.</li>
<li>One-click migration from WooCommerce Points & Rewards – Continue your existing points program without disruption.</li>
<li>Import/export points – Bulk import/export points data using a CSV file. Easily switch from any other points plugin.</li>
<li>Refund orders in points – Let customers receive refunds as points instead of money, keeping value within your store.</li>
<li>Automatic points return – Automatically return points to the customer if an order is cancelled or refunded.</li>
<li>Product-specific earning control – Choose how many points each product earns, set fixed values, or enable/disable point earning per product.</li>
<li>HPOS and Block Based Checkout support – We support both standard and the new block based checkout.</li>
<li>Fully translated – we support 🇳🇱 Dutch, 🇫🇷 French, 🇩🇪 German, 🇮🇹 Italian, and 🇪🇸 Spanish out of the box</li>
</ul>
<img class="alignnone wp-image-18734005144014 size-full" src="https://woocommerce.com/wp-content/uploads/2025/04/dash.webp" alt="" width="1800" height="1088" />
<hr />
<h2>Why Choose WPGens Points & Rewards?</h2>
WPGens Points & Rewards is built for merchants who want a seamless, evolving, and fully supported loyalty solution.
<ul class="wccom-tick-list-secondary">
<li>Always Improving – We continuously release new features and enhancements based on real user feedback.</li>
<li>Reliable, Fast Support – Stuck? Our responsive support team is here to help – so you’ll never be left troubleshooting alone.</li>
<li>Effortless for Store Owners, Frictionless for Customers – A clean, intuitive interface for both admins and shoppers ensures a smooth experience from setup to checkout.</li>
<li>Packed with Powerful Features – Easily track points, offer flexible redemption options, automate rewards, and view insightful analytics – all without extra bloat.</li>
<li>Designed for Growth – Whether you run a small shop or a large-scale store, WPGens adapts to your needs, helping you maximize customer engagement and retention.</li>
</ul>
<a href="https://pointsdemo.wpgens.com/points-and-rewards/?autologin=1&key=wpgens2026" target="_blank" rel="noopener">CLICK HERE TO SEE THE BEAUTIFUL DEMO PAGE!</a>
<img class="alignnone wp-image-18734005413489 size-large" src="https://woocommerce.com/wp-content/uploads/2025/04/checkout.webp?w=980" alt="" width="980" height="596" />
<hr />
<h2>Customizable Earning Rules</h2>
Reward your customers for more than just buying. Set up actions like:
<ul class="wccom-tick-list-secondary">
<li>Placing orders</li>
<li>Creating an account</li>
<li>Writing product reviews</li>
<li>Referring friends (free or premium referral plugin required)</li>
<li>Following your social media</li>
<li>Even on their birthday</li>
</ul>
<div><img class="alignnone wp-image-18734005114494" src="https://woocommerce.com/wp-content/uploads/2025/03/WPGens-Points-and-Rewards-Add-Earning-Action.png" alt="WPGens Points and Rewards - Add Earning Action" width="600" height="653" /></div>
Every action can be customized to match your store’s goals.
<hr />
<h2>Flexible Redemption Options</h2>
Let customers redeem their points however you choose:
<ul class="wccom-tick-list-secondary">
<li>Apply points directly at checkout for instant discounts</li>
<li>Redeem points for exclusive rewards or free products</li>
<li>Control how points are used with redemption limits and conditions</li>
</ul>
<img class="alignnone wp-image-18734005114507" src="https://woocommerce.com/wp-content/uploads/2025/03/WPGens-Points-and-Rewards-Add-Redemption-Action.png?w=896" alt="WPGens Points and Rewards - Add Redemption Action" width="720" height="407" />
With rules for minimum/maximum usage, expiration, and more.
<hr />
<h2>Seamless Frontend Experience</h2>
Customers can view their:
<ul class="wccom-tick-list-secondary">
<li>Points balance</li>
<li>Earning history</li>
<li>Available rewards</li>
<li>All within a beautifully designed Points & Rewards Landing Page</li>
<li>and under the My Account page</li>
</ul>
<img class="alignnone wp-image-18734005386090 size-full" src="https://woocommerce.com/wp-content/uploads/2025/04/image.webp" alt="" width="1640" height="1446" />
Add it to any page with a simple shortcode: [WPGENS_POINTS_PAGE]
<hr />
<h2>Full Control in Your Hands</h2>
<ul class="wccom-tick-list-secondary">
<li>Set your own point-to-currency value</li>
<li>Choose how and when points are awarded</li>
<li>Exclude sale items or tax from earning</li>
<li>Customize display messages and emails</li>
<li>Manually adjust points or import in bulk</li>
</ul>
<img class="alignnone wp-image-18734005114618" src="https://woocommerce.com/wp-content/uploads/2025/03/WPGens-Points-and-Rewards-Members-Adjust-Points.png" alt="WPGens Points and Rewards - Members - Adjust Points" width="460" height="428" />
Built to give you maximum flexibility – without complexity.
<hr />
<h2>Seamless Integration with Leading Marketing Platforms</h2>
<ul class="wccom-tick-list-secondary">
<li>Klaviyo Integration – Automatically sync customer points and rewards data with Klaviyo for targeted email campaigns and personalized rewards communication</li>
<li>Mailchimp Integration – Connect your loyalty program with Mailchimp to create segmented lists based on points balance and reward status</li>
<li>Omnisend Integration – Leverage Omnisend’s powerful automation to send personalized rewards notifications and loyalty program updates</li>
<li>Brevo Integration – Sync customer loyalty data with Brevo to create sophisticated email marketing campaigns based on points activity</li>
</ul>
All integrations work out of the box – no coding required. Simply connect your accounts and start leveraging your loyalty program data across your favorite marketing platforms.
<img class="alignnone wp-image-18734005114627" src="https://woocommerce.com/wp-content/uploads/2025/03/WPGens-Points-and-Rewards-Integrations-Klaviyo.png?w=896" alt="WPGens Points and Rewards - Integrations - Klaviyo" width="640" height="624" />
Your Marketing Platform is not in this list? Let us know!
<hr />
<h2>Judge.me WooCommerce Loyalty Plugin Integration</h2>
Automatically reward product reviews with points.
When enabled, this feature automatically rewards customers with points every time they leave a review via Judge.me.
<ul class="wccom-tick-list-secondary">
<li>Seamless WooCommerce Judge.me integration</li>
<li>Automatically award points for product reviews</li>
<li>Bonus points for photo reviews</li>
<li>Fully customizable point values</li>
</ul>
<hr />
<h2>Easy Setup. No Coding. Everything You Need – All in One Plugin</h2>
With Points and Rewards program, you get a complete loyalty system that works out of the box. No third-party platforms. Just powerful features and total control over how you reward and retain your customers.
Need another reason to choose Points and Rewards? It’s built by WPGens – a trusted WooCommerce extension developer known for clean, high-quality code and responsive, first-class support. Don’t just take our word for it — check out our reviews on on <a href="https://www.trustpilot.com/review/wpgens.com">TrustPilot </a>or explore our reputation on the WordPress plugin repository.

Points and Rewards for WooCommerce by WPGens

The most intuitive, actively developed Points and Rewards plugin – frictionless for customers, effortless for store owners. Reward customers for purchases, engagement, and more-with powerful automation, built-in analytics, and responsive support.

Credit Line or Credits vs Points and Rewards for WooCommerce by WPGens