<p class="western" align="left">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.</p>
<h2 align="left">How Credit Line or Credits for WooCommerce Can Help Your Shop</h2>
<h3 align="left">Increase Your Site’s Revenue</h3>
<p align="left">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.</p>
<h3 align="left">Increase Customer Loyalty</h3>
<p align="left">Offering credits is a show of good faith and can help boost future sales from repeat customers.</p>
<h3 align="left">Attract New Customers</h3>
<p align="left">Satisfied customers are more likely to refer new customers to your site.</p>
<h2 align="left">How Credit Line or Credits for WooCommerce Can Help Your Customers</h2>
<h3 align="left">Convenience</h3>
<p align="left">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.</p>
<h3 align="left">Interest-Free Credit</h3>
<p align="left">If you choose not to charge interest, your customers will only be responsible for repaying the regular price of a product.</p>
<h3 align="left">Generous Repayment Period</h3>
<p align="left">You can offer customers up to 58 days from the date of purchase to repay the credits they used.</p>
<h2 align="left">How Credit Line or Credits for WooCommerce Works?</h2>
<h3>1. Fund Types</h3>
<p class="western" align="left">This plugin comes up with 2 fund types.</p>
<ul class="wccom-tick-list-secondary">
<li class="western">Admin Funds</li>
<li class="western">Virtual Funds</li>
</ul>
<p><strong>Admin Funds</strong></p>
<p class="western" align="left">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.</p>
<p align="left"><strong>Virtual Funds</strong></p>
<p class="western" align="left">In this type Funds can be issued without any limitation from admin side.</p>
<h3>2. Approval Methods</h3>
<p class="western" align="left">This plugin supports three ways to offer Credit Line to customers,</p>
<ul class="wccom-tick-list-secondary">
<li class="western">Auto Approval</li>
<li class="western">Application Based Approval</li>
<li class="western">Complete Manual</li>
</ul>
<p class="western" align="left"><b>Auto Approval</b></p>
<p align="left">Based on Criteria set by site admin, Credit Line can be approved for all the customers on the site automatically.</p>
<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"><strong>Credit Line Auto-Approval</strong></figcaption></figure>
<p class="western" align="left"><b>Application Based Approval – Manual Approval</b></p>
<p class="western" align="left">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.</p>
<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"><strong>Application submission & manual approval</strong></figcaption></figure>
<p class="western" align="left"><b>Application Based Approval – Auto Approval</b></p>
<p class="western" align="left">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.</p>
<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"><strong>Application submission & automatic approval</strong></figcaption></figure>
<p class="western" align="left"><b>Complete Manual</b></p>
<p class="western" align="left">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.</p>
<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"><strong>Admin manually issuing credit line to users</strong></figcaption></figure>
<h3>3. Credit Line Usage</h3>
<p class="western" align="left">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.</p>
<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"><strong>Customer’s credits dashboard</strong></figcaption></figure>
<p class="western" align="left">Customers can place orders using the <b>“Credits”</b> 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.</p>
<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"><strong>Customer using credit line for their purchases</strong></figcaption></figure>
<h3>4. Bill Generation and Payment</h3>
<p class="western" align="left">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.</p>
<p class="western" align="left">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.</p>
<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"><strong>Credits bill statement</strong></figcaption></figure>
<p class="western" align="left">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.</p>
<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"><strong>Customer making payment for generated bill statement</strong></figcaption></figure>
<p class="western" align="left">If admin have received the payment in offline mode(i.e. outside WooCommerce), then admin can make the payment on behalf of the customer.</p>
<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"><strong>Admin makes custom payment on behalf of users</strong></figcaption></figure>
<p class="western" align="left">If the customers doesn’t make the repayment even after the due date, their Credits account status will be moved to <strong>“Overdue”</strong> 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.</p>
<p class="western" align="left">This whole process will be repeated every month.</p>
<h2>Popular Features</h2>
<h3>1. Flexible Credit Lines for Customers</h3>
<p>Offer your customers a <strong>pre-approved credit limit</strong> that can be used to purchase products instantly without making an upfront payment. The available credit balance is automatically tracked and updated after every purchase and repayment.</p>
<h3>2. Advanced Credit Eligibility Rules</h3>
<p>Create unlimited <strong>credit line rules</strong> based on <strong>user roles, specific users</strong>, or other business requirements. Automatically assign different credit limits to different customer groups and manage credit access with complete flexibility.</p>
<h3>3. Flexible Credit Approval Modes</h3>
<p>Allow customers to apply for credit and manage requests through flexible <strong>approval modes</strong>. Store owners can <strong>approve applications automatically, review them manually</strong>, or grant credit without an approval process. This helps businesses maintain control over credit allocation while providing a smooth customer experience.</p>
<h3>4. Custom Billing & Repayment Schedules</h3>
<p>Configure flexible <strong>billing cycles, due dates</strong>, and <strong>repayment schedules</strong> that suit your business model. Give customers a structured way to repay outstanding balances while maintaining predictable cash flow.</p>
<h3>5. Dedicated Customer Credit Dashboard</h3>
<p>Provide customers with a comprehensive <strong>Credit Dashboard</strong> where they can view their <strong>available credit, outstanding balance, billing information, repayment history</strong>, and account activity in one place.</p>
<h3>6. Offer Credits as a WooCommerce Payment Method</h3>
<p>Credits are integrated directly into the <strong>WooCommerce checkout process</strong>, allowing customers to select <strong>Credits as a payment method</strong> and complete purchases without leaving the standard checkout experience.</p>
<h3>7. Easy Credit Repayments</h3>
<p>Allow customers to make repayments through dedicated <strong>repayment products</strong> and repayment workflows. Payments are automatically applied to outstanding balances, reducing manual administration for store owners.</p>
<h3>8. Automatic Rule-Based Credit Upgrades</h3>
<p>When customer eligibility changes, the plugin can automatically <strong>switch between credit rules</strong> and update the customer’s <strong>credit limit</strong> based on predefined priorities, ensuring customers always receive the appropriate credit line.</p>
<h3>9. Detailed Credit Transaction Tracking</h3>
<p>Maintain complete visibility over every <strong>credit transaction</strong>, including credit usage, repayments, balance adjustments, and account activities. This provides a clear audit trail for both administrators and customers.</p>
<h3>10. Minimum Due, Partial & Full Payments</h3>
<p>Allow customers to repay their credit balances using multiple payment options. Customers can pay the <strong>Minimum Amount Due</strong>, make a <strong>Custom Partial Payment</strong>, or settle the <strong>Full Outstanding Balance</strong> whenever they choose. This creates a flexible repayment experience while helping store owners maintain consistent credit recovery.</p>
<h2>Extensive Features List</h2>
<ol>
<li>Real-time available credit checks</li>
<li>Prevent checkout completion when the customer exceeds their available credit balance</li>
<li>Gateway hiding when balance is insufficient</li>
<li>Dynamically show or hide the Credits payment gateway based on cart and customer conditions</li>
<li>Automatically detect customers with overdue repayments or unpaid credit bills</li>
<li>Optional blocking of future credit usage</li>
<li>Conditional payment gateway disabling</li>
<li>Restrict credit availability based on WooCommerce customer roles and account types</li>
<li>Customer credit eligibility validation based on previous site activity and purchase behavior Create multiple approval rules</li>
<li>Priority-based rule execution when multiple eligibility conditions match the same customer</li>
<li>Automated customer qualification logic based on configured credit eligibility conditions</li>
<li>Real-time customer credit eligibility evaluation using store activity and configured rules<br />
Rule-matching automation</li>
<li>Automatic customer credit limit allocation based on matching eligibility rules</li>
<li>Automatically increase or decrease customer credit limits based on rule conditions</li>
<li>Fully automated approvals</li>
<li>No customer application required</li>
<li>Auto-evaluation of submitted applications</li>
<li>Automatic approval and rejection logic</li>
<li>Admin-controlled application review</li>
<li>Manual accept and reject flow</li>
<li>Eligibility review interface</li>
<li>Pending account management</li>
<li>Threshold-based billing assignment</li>
<li>Automatically delay first bill generation based on configured billing threshold dates</li>
<li>Billing-cycle rollover logic</li>
<li>Restrict dashboard visibility</li>
<li>Restrict eligibility by user role</li>
<li>Create predefined rules with multiple rule sets to give different credit line based on different criteria.</li>
<li>Automatically increase credit line to eligible customers.</li>
<li>Approve credit line automatically.</li>
<li>Application form can be created with multiple form fields support.</li>
<li>Approve credit line automatically as soon as the application form is submitted by the customer.</li>
<li>Approve credit line manually once the application form is submitted by the customer.</li>
<li>Application form can be shown only for specific customers.</li>
<li>Give credit line to customers from admin funds or from virtual funds.</li>
<li>Monthly billing and repayment.</li>
<li>Up to 58 days of repayment period.</li>
<li>Possible to charge interest for credit usage.</li>
<li>A fixed amount of percentage of credits used can be charged as interest.</li>
<li>A Late payment fee can be charged if payment is not made within the due date.</li>
<li>User level option to disable late payment fee for certain customers.</li>
<li>Option to disable specific payment methods for repayment of credits.</li>
<li>Separate page for credits dashboard.</li>
<li>Option to display credits dashboard in My Account page.</li>
<li>Custom logo can be displayed in bill statement.</li>
<li>Order status can be predefined for the orders placed using the Credits payment method.</li>
<li>For orders placed using the Credits payment method, when to debit funds(on reaching which order status) can be predefined.</li>
<li>Bill can be generated in PDF or HTML file format.</li>
<li>Customers can be allowed to place orders using Credits only if the cart total is more than the set value.</li>
<li>Option for the Admin to modify a customer’s billing date or repayment date.</li>
<li>Option to allow customers to use their Credits for placing orders in overdue status.</li>
<li>Option for the customer to make advance payment.</li>
<li>Option for the customer to pay a custom amount or make the full payment.</li>
<li>Compatibility with WooCommerce Subscriptions: Option for the customer to automatically renew their subscriptions using the Credit Line.</li>
</ol>

Credit Line or Credits

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

<ul class="wccom-tick-list-primary">
<li>Define how many points are earned for purchases, and the value of points for discounts.</li>
<li>Control the maximum discount that can be earned using points at the cart, category, or product level.</li>
<li>Award points for actions like signing up or writing a product review.</li>
<li>Apply points earned to all previous orders so customers can start redeeming points for discounts immediately.</li>
<li>Quickly adjust the points balance for a customer.</li>
<li>View a log of all points changes made for customers</li>
</ul>
<hr class="wccom-product-heading__hr" />
<p>Reward your customers for purchases and other actions with points that can be redeemed for discounts. Easily set how many points customers should earn for each dollar spent and how many points can be redeemed for a specific discount amount. Points can be awarded by product, category, or global level, and you can also control the maximum discount available when redeeming points.</p>
<figure id="attachment_4210186" aria-describedby="caption-attachment-4210186" style="width: 1668px" class="wp-caption aligncenter"><a href="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_cart_pointsbanners.png"><img class="wp-image-4210186 size-full" src="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_cart_pointsbanners.png" alt="Reward Your Customers with Points-based Discounts!" width="1668" height="1112" /></a><figcaption id="caption-attachment-4210186" class="wp-caption-text">Reward customers with points-based discounts!</figcaption></figure>
<h3>Earn points for purchases and actions</h3>
<p>Points are earned for purchases based on the conversion rate you set. For example, customers could earn 1 point for every dollar spent. This conversion rate can be overridden at the category or product level, so you can encourage customers to purchase specific products. Points earned are displayed on the product page and on the cart/checkout page.</p>
<h3>Redeem points for discounts</h3>
<p>Customers can redeem points for discounts based on the conversion rate you set. For example, 100 points could be worth a $1 discount. You can set a maximum discount at the cart, product category, or product level that will limit the discount available.</p>
<figure id="attachment_4210189" aria-describedby="caption-attachment-4210189" style="width: 980px" class="wp-caption aligncenter"><a href="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_cart_discountapplied.png"><img class="wp-image-4210189 size-full" src="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_cart_discountapplied.png" alt="Points and Rewards In-Cart Discount Applied" width="980" height="914" /></a><figcaption id="caption-attachment-4210189" class="wp-caption-text">Points and Rewards in-cart discount applied.</figcaption></figure>
<h3>Manage customer points</h3>
<p>Quickly update the points balance for a customer on the Manage page. Any changes to a customer’s points balance are then logged and displayed on the customer’s My Account page.</p>
<figure id="attachment_4210428" aria-describedby="caption-attachment-4210428" style="width: 980px" class="wp-caption aligncenter"><a href="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_admin_managepoints.png"><img class="size-full wp-image-4210428" src="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_admin_managepoints.png" alt="Easily manage customer points" width="980" height="556" /></a><figcaption id="caption-attachment-4210428" class="wp-caption-text">Managing customer points is simple and straightforward.</figcaption></figure>
<figure id="attachment_4210431" aria-describedby="caption-attachment-4210431" style="width: 980px" class="wp-caption aligncenter"><a href="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_admin_pointslog.png"><img class="size-full wp-image-4210431" src="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_admin_pointslog.png" alt="All points changes are logged" width="980" height="313" /></a><figcaption id="caption-attachment-4210431" class="wp-caption-text">All points changes are logged.</figcaption></figure>
<figure id="attachment_4210433" aria-describedby="caption-attachment-4210433" style="width: 980px" class="wp-caption aligncenter"><a href="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_customer_mypoints.png"><img class="size-full wp-image-4210433" src="https://woocommerce.com/wp-content/uploads/2013/06/points_rewards_customer_mypoints.png" alt="Show customers their points history on the My Account page" width="980" height="554" /></a><figcaption id="caption-attachment-4210433" class="wp-caption-text">Show a customer’s points history on their My Account page.</figcaption></figure>
<h3>Powerful customization</h3>
<p>It’s simple to customize messages shown on the product page and the cart/checkout page. You can also change what points are called, so customers could earn “Coins” or “Tokens” instead.</p>
<p><a href="https://woocommerce.com/wp-content/uploads/2013/06/points_and_rewards_admin_allsettings.png"><img class="aligncenter size-full wp-image-4210436" src="https://woocommerce.com/wp-content/uploads/2013/06/points_and_rewards_admin_allsettings.png" alt="" width="980" height="1279" /></a></p>
<div class="woo-sc-box normal">Points and Rewards is compatible with the new <a href="https://woocommerce.com/checkout-blocks/">Cart and Checkout blocks</a> — a customizable, conversion-optimized checkout experience available in the core WooCommerce plugin.</div>

WooCommerce Points and Rewards

<p>Reward your customers for purchases and other actions with points which can be redeemed for discounts.</p>

Credit Line or Credits vs WooCommerce Points and Rewards