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Credits are a Commerce concept in Omneo, not an Incentives concept. The critical distinction: credits are treated as a payment type rather than a discount. They settle against the transaction balance after all discounts have been applied.
What are Credits?
A Credit is a dollar-value amount stored against a customer profile that can be used as a payment method at checkout. Credits have a fixed value, optional expiry dates, and GST/tax implications depending on their type.The three types of credits
Store Credit
Issued when a customer returns a product and the brand chooses to offer credit instead of a cash refund. Store credit is “paid for” by the returned product. Example: A customer returns a 110 store credit — a $10 incentive to keep the relationship.Promotional Credit
A marketing-issued credit funded by the brand’s marketing budget. Used as an incentive for specific campaigns or behaviours. Example: Issue $20 promotional credit to customers who complete their profile.Gift Cards
Paid for by a customer (the gift card purchaser) using standard payment methods. Transferred to a recipient. Includes a virtual gift card flow with a card number and PIN. Smart Gift Cards: Cards that revert to the original purchaser if the recipient doesn’t use them within a defined period.Key characteristics
- Credits can be used anywhere standard payment types are accepted (in-store POS, eCommerce checkout)
- Credits can be redeemed in partial amounts — you don’t have to spend the full credit in one transaction
- Multiple credits can be applied to a single transaction
- Credits auto-convert to the transaction currency using configured FX rates
- Credits can be transferred between known customers (as gift cards)
- Credits issued to an unknown recipient are stored against the purchaser’s profile until the recipient creates a profile
Redemption hierarchy
When a customer has multiple incentives to redeem, the order is:Issuing credits
Credits can be issued via:- CX Manager (manually by admin or manager users)
- Clienteling (by in-store staff)
- Profile Portal (for eligible self-service flows)
- API (programmatically via the Credits endpoint)
Credits vs Rewards
| Credits | Rewards | |
|---|---|---|
| Treatment | Payment type | Discount |
| GST implications | Yes (where applicable) | No |
| Transferable | Yes (gift cards) | No |
| Partial use | Yes | Yes |
| Hierarchy position | Last (before payment) | After Benefits |