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Credits in Omneo are a payment object, not a discount. When a customer redeems a Credit, it replaces a payment method at checkout rather than reducing a price. This distinction matters for accounting, tax (GST implications), and for how Credits appear in transaction records.

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Credit types

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How credits differ from rewards

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The redemption hierarchy

When a customer has both rewards and credits available, the order of application is: Benefits → Rewards → Credits → Payment Type This means Benefits (discounts) are applied first, then Rewards reduce the remaining balance, then Credits pay what’s left, and finally standard payment (EFTPOS, card) covers the remainder.

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Gift cards

Omneo Gift Cards are stored against the purchaser’s profile until the recipient claims them. Unclaimed Gift Cards can be configured to revert to the purchaser after a defined period. Gift Cards are well suited to:
  • Corporate gifting
  • Birthday gifts between customers
  • Referral rewards (gift the recipient a credit to try the brand)

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When to use credits vs rewards

Use Credits when:
  • You are processing a product return and want to issue in-store credit
  • You want to issue a gift card
  • The financial instrument needs to be treated as a payment for accounting purposes
Use Rewards when:
  • You want to discount a purchase as a result of customer behaviour
  • You want the incentive to expire and create urgency to return