Credit — Overview & How It Works

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Store credit lets you assign a balance to a customer that they can spend on future orders — making it one of the simplest tools for keeping customers coming back.

Credit helps you:

• Encourage repeat purchases
• Retain existing customers
• Reward loyalty
• Handle compensation without refunding cash
• Reduce refund friction

When to use credit

Loyalty reward

Instead of giving an immediate discount, give RM10 credit for the customer’s next purchase. The customer returns to spend it, and you secure a second order.

Compensation or service recovery

When something goes wrong — a late shipment, a minor defect, or a service issue — issue credit instead of a cash refund. You maintain revenue and preserve the customer relationship.

Promotional campaign

Example: “Spend RM150 today and receive RM15 store credit.”

The customer gets a reward and you create a reason for them to return.

Shipping offset

Instead of offering free shipping, give credit equal to the shipping cost. Customers feel they “own” the credit, which often converts better than a free shipping offer.

How credit works in Boxify

• Credit is per customer. Each customer has their own balance. It cannot be transferred to another account.
• Credit is not automatic. You issue it manually, and you can adjust a balance at any time.
• Credit has no expiry. It stays in the customer’s account until they use it, unless you remove it manually.
• Credit is used as payment at checkout. With credit payment enabled, customers see their available balance and choose whether to apply it. It reduces the amount they need to pay.
• Placing an order does not deduct credit. Credit is deducted only when the customer chooses to apply it at checkout.
• If credit exceeds the order total, the remaining balance stays in the customer’s account.

Credit vs. Voucher

	Voucher	Credit
Requires a code	Yes	No
Has an expiry	Usually	No (unless manually removed)
How it works	Campaign-based discount	Stored balance
Usage	Applies to one order	Can be used partially across orders

Credit behaves like stored value. A voucher is a one-time discount.

Why credit is more powerful for retention

A voucher gives an immediate discount and is done. Credit creates a reason for the customer to come back.

Instead of: “RM20 off today”

Try: “Receive RM20 credit for your next purchase”

You secure today’s revenue and create tomorrow’s order at the same time.

Set Up Credit

Enable credit payment

Before customers can pay with credit, you must turn on the feature in Settings.

1. Log in to your Boxify Dashboard.
2. Go to Settings › General › Parameters.
3. Scroll down to the *Shopping Cart section.
4. Tick Enable Credit Payment.

Caution

Credit is a Business plan feature. On lower plans the Enable Credit Payment checkbox is greyed out.

Once enabled, customers see credit as a payment option at checkout and can apply their available balance.

Add credit to a customer

Customers cannot add credit themselves.

1. Go to Contacts.
2. Open the customer.
3. Find Credit in their profile.
4. Click + to add credit or − to deduct it.
5. Enter the amount and click Save.

The dialog shows the resulting balance before you confirm, and warns you if you try to deduct more than the customer has. The customer’s available balance updates immediately.

Tip

Boxify does not store a reason against a credit adjustment, so keep your own record of why each one was issued — compensation, loyalty reward, campaign rebate, or refund replacement.

Check a customer’s balance

1. Go to Contacts.
2. Select the customer.
3. Check Credit shown in their profile.

View credit history

1. Go to Menu.
2. Click Credit Logs.
3. Search for the customer.

The log shows the customer, the amount, who made the change, and when.

Caution

Credit Logs are kept for 90 days only. After 90 days, records may no longer be accessible. Export your logs regularly and archive them before the 90-day limit.

Managing Credit Responsibly

Credit is a commitment you make to a customer — when you issue credit, you are promising future value from your store. Manage it carefully.

Tip

• Do not issue credit without tracking it.
• Keep internal notes explaining why each credit was issued.
• Monitor your total outstanding credit balance regularly.
• Reconcile credit issued against your campaign plan.

Common Scenarios

Customer wants a refund

You have two options:

• Option A: Refund cash to the customer.
• Option B: Issue credit instead.

Issuing credit keeps the revenue inside your store and encourages the customer to return.

Customer’s credit is not appearing at checkout

Check the following:

1. Confirm that credit payment is enabled in Settings.
2. Confirm the customer has an available credit balance.
3. Confirm the customer is logged into the correct account.

You need to adjust a credit amount

You can add credit or correct an incorrect balance at any time through the customer’s profile (see Add credit to a customer). Always record the reason internally when you make an adjustment.

See also:

• Advanced Campaign Combination Guide