Credit Line or Credits for WooCommerce

Credits for WooCommerce lets your customers request a credit line. Once you approve it, customers can buy right away with the Credits payment method and repay the used credits later. The plugin generates monthly bill statements, sends payment reminders, and can charge interest and late payment fees.

What’s New in Version 6.0.0

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• Advanced Filters: Added to the Credits, Virtual Funds, Admin Funds and Form Fields tables. See “Filtering, Searching and Sorting Tables”.
• Export to CSV: Added to the Credits, Virtual Funds, Admin Funds and Form Fields tables, plus Export Transactions to CSV for each customer’s transactions. See “Exporting Data to CSV”.
• Import: Added for Form Fields. See “Importing Form Fields”.
• Download as CSV: Customers can export their unbilled transactions from the Credits Dashboard.
• Download All Statements(zip): Customers can download all their statements from the Credits Dashboard.
• New bulk actions: Approve Credit Line, Put On-Hold, Reactivate and Reassign to Rule on the Credits table, and Move to Enabled, Move to Disabled, Set as Required and Set as Optional on the Form Fields table.
• Improved search and sorting across the plugin tables.

Installation

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Requirements

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• WordPress: Version 6.2 or later (tested up to 7.1.1).
• WooCommerce: Version 8.2.0 or later (tested up to 11.1.1). WooCommerce must be installed and active.
• PHP: Version 7.4.0 or later. Bill statements are generated as PDF files only on PHP 8.0.0 or higher. On older PHP versions, bills are generated in HTML format and an admin notice tells you so.

Install the Plugin

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1. Download the .zip file from your WooCommerce account.
2. Go to: WordPress Admin > Plugins > Add New and Upload Plugin with the file you downloaded with Choose File.
3. Install Now and Activate the extension.

More information at: Install and Activate Plugins/Extensions.

On first activation, the plugin creates the following for you:

• A page named Credits Dashboard that contains the [credits_dashboard] shortcode.
• Two hidden, virtual products: Admin Funds Addition (used when you add funds to the admin account) and Credits Repayment (used when customers repay). These are set as the default products in the settings.
• The default application form fields (see “Create the Application Form”).

After activation, a new Credits menu appears in your WordPress admin. A Settings link is also added next to the plugin on the Plugins page.

Steps to Configure the Plugin

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Before customers can use credits, set up these core items in order:

1. Choose how credit lines are approved and funded (Credits > Settings > Settings > General).

2. Create one or more credit line rules (Credits > Settings > Rules).

3. Review the application form fields (Credits > Form Fields).

4. Set the billing and due dates (Credits > Settings > Settings > Billing & Repayment).

5. Enable the Credits payment method (WooCommerce > Settings > Payments > Credits).

6. If you use Admin Funds, add funds to the admin account (My Account > Add Funds).

Step 1: Choose the Approval Mode and Fund Type

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1. Go to Credits > Settings > Settings > General.

2. Under Credits Approval Settings, set Credit Line Approval Mode to Auto Approval or Application Based Approval.

3. If you chose Application Based Approval, set Approval After Application Submission to Manual Approval or Auto Approval.

4. Under Funds Management Settings, set Fund Type To Use to Admin Funds or Virtual Funds.

5. Click Save changes.

The fields are described in full under “Setup and Configuration”.

Step 2: Create Credit Line Rules

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Rules decide which users get a credit line and how large the credit limit is. In Auto Approval mode, rules assign credits automatically. In Application Based Approval mode, the matching rule’s limit is shown as the Eligible Credits when you review an application.

1. Go to Credits > Settings > Rules.

2. Click Add Rule. The Edit Credit Line Rule window opens.

3. Enter the Rule Name.

4. Under Criteria, pick a condition from the dropdown and fill in its value.

5. Click AND to add another condition that must also match. Click OR to add an alternative group of conditions. Click X to remove a condition.

6. Enter the Credit Limit.

7. Click Save Rule.

8. In the rules table, set the Rule Priority for each rule and click Save changes.

Rule fields:

• Rule Name: A name to identify the rule.
• Criteria: The conditions a user must meet. Choices: User is / User is not / Is a / Is not a / Is registered for / Has previously purchased less than or equal to / Has previously purchased more than or equal to / Has placed number of orders less than or equal to / Has placed number of orders more than or equal to.
  • User is and User is not – shows a user search field.
  • Is a and Is not a – shows a user role dropdown.
  • Is registered for – shows Less than / More than, a number, and Day(s) / Month(s) / Year(s).
  • Has previously purchased… – shows an amount field (“Enter order amount”).
  • Has placed number of orders… – shows a count field (“Enter number of orders”).
• Credit Limit – The credit limit given to users who match this rule.

The rules table shows Rule Name, Rule Priority, Credit Limit, Number of Users and Action. Use the edit button to change a rule. The remove button (X) appears only when Number of Users is 0. Use Search rules by name to find a rule. Click a column heading to sort.

Rule Priority: The rule with the lowest priority number applies first. For example, with priorities 1, 2 and 3, the rule with priority 1 is the highest priority.

Rules are checked in the background about every 10 minutes, so new or changed rules may take a short while to reach users.

Step 3: Create the Application Form

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In Application Based Approval mode, customers fill in an application form on the Credits Dashboard. You manage its fields in Credits > Form Fields.

The default fields are the WooCommerce billing fields (first name, last name, company, country, street address, city, state, postcode, phone and email) plus Attach a File. Default fields cannot be deleted. The email field is always enabled and required.

To add a field:

1. Go to Credits > Form Fields and click Add form field.

2. Enter the field label in the title box (“Field label”).

3. In the Form Field Data box, choose the field type from the dropdown in the box header.

4. Fill in the field details.

5. In the Form Field Actions box, set the status and options, then click Create (or Update for an existing field).

Form Field Data fields:

• Field type – Choices: Text / Textarea / Checkbox / Number / Email / Phone / Password / Date Picker / Time / Radio / Select / Multiselect / Multiple File Uploads / Single File Upload. (Country and State are used only by the default fields.) The type of a default field cannot be changed.
• Field Options – The choices for the field, as Field Option Key and Field Option Label pairs. Click Add to add a row and Remove to delete one. Shown only for Radio, Select and Multiselect.
• Field Default Value – The value filled in by default. For Checkbox, set “1” to show it checked by default. For Radio, Select and Multiselect, use a Field Option Key. Hidden for file upload types.
• Field Placeholder – Placeholder text inside the field. Hidden for Checkbox, Radio, Select, Multiselect and file upload types.
• Field Description – Help text shown with the field.

Form Field Actions fields:

• Status – Enabled or Disabled. Only enabled fields appear on the form.
• Required? – Makes the field mandatory.
• Is unique? – Rejects a value that another applicant has already used. Shown only for Text, Textarea, Number, Email and Phone.
• Move to Trash (or Delete permanently) – Removes a custom field. Not available for default fields.

The Form Fields list shows Label, Type, Status and Required. See “Importing Form Fields” to add or update fields in bulk from a CSV file.

Step 4: Set Billing and Due Dates

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1. Go to Credits > Settings > Settings > Billing & Repayment.

2. Set the Billing Date and Threshold Date.

3. Set the Repayment Month and Due Date.

4. Select the Repayment Product and click Save changes.

See “Billing & Repayment Section” for the field details.

Step 5: Enable the Credits Payment Method

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1. Go to WooCommerce > Settings > Payments and open Credits.

2. Configure the fields below and save.

• Enable/Disable: Turns the Credits payment method on. Default: enabled.
• Title: The payment method name customers see at checkout. Default: Credits.
• Description: The text shown under the payment method. Use [available_credits] to show the user’s available credits. Default: “Pay using your Credits. Your available credits: [available_credits]”.

The Credits payment method is not shown at checkout if the user doesn’t have enough credits. Customers see the insufficient balance or overdue message from Credits > Settings > Messages and Localization > Messages instead.

Step 6: Add Admin Funds (Admin Funds Only)

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When Fund Type To Use is Admin Funds, you can only give credits to users if the admin account has enough balance.

1. Log in as the user selected as the Fund Administrator.

2. Go to My Account > Add Funds.

3. Enter the Amount to Add and click Add Amount.

4. Complete the checkout. The funds are added to the admin account when the order is paid.

Coupons cannot be used for funds addition, and no other products can be in the cart at the same time.

Setup and Configuration

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Go to Credits > Settings. The settings page has three tabs: Settings, Rules and Messages and Localization. Click Save changes to save a tab. Use Reset to restore the defaults of the current tab, or Reset All to restore all tabs. (The Rules tab has no reset buttons.)

Every section of the Settings tab shows a table of the available shortcodes and their purpose at the top.

Settings Tab – General Section

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Path: Credits > Settings > Settings > General.

Credits Approval Settings

• Credit Line Approval Mode – How users receive a credit line. Choices: Auto Approval / Application Based Approval. Default: Application Based Approval. With Auto Approval, users are assigned a credit limit automatically based on your rules. With Application Based Approval, users must submit an application.
• Approval After Application Submission – Choices: Manual Approval / Auto Approval. Default: Manual Approval. With Manual Approval, you review each application and approve it yourself. With Auto Approval, the credit line is approved as soon as the application is submitted. Shown only when Credit Line Approval Mode is Application Based Approval.

Funds Management Settings

• Fund Type To Use – Where credit comes from. Choices: Admin Funds / Virtual Funds. Default: Virtual Funds. With Admin Funds, you must first add funds to the admin account. With Virtual Funds, you don’t need to add funds. This choice also decides whether Credits > Admin Funds or Credits > Virtual Funds appears in the menu.
• Fund Administrator – The user (usually an admin) who adds funds to the admin account. Default: the user with the site admin email. Shown only when Fund Type To Use is Admin Funds.
• Funds Addition Product – The product used to add funds through the normal WooCommerce checkout. Default: Admin Funds Addition. Shown only when Fund Type To Use is Admin Funds. Required when Admin Funds is selected.
• Low Funds Threshold – When the admin funds fall below this amount, the admin is notified by email. Shown only when Fund Type To Use is Admin Funds.

Fee Settings

• Charge Interest for Credit Usage – When enabled, an interest fee is automatically debited from the user’s credits each time they place an order with credits. Default: disabled.
• Interest Type – Choices: Fixed / Percentage. Default: Fixed. Shown only when Charge Interest for Credit Usage is enabled.
• Interest – The interest amount or percentage. Shown only when Charge Interest for Credit Usage is enabled.
• Charge Late Payment Fee – When enabled, a late fee is charged if the bill is not paid before the due date. The fee is debited from the user’s available credits and must be paid with the next bill. Default: disabled.
• Late Fee Type – Choices: Fixed / Percentage. Default: Fixed. Shown only when Charge Late Payment Fee is enabled.
• Late Fee – The late fee amount or percentage. Shown only when Charge Late Payment Fee is enabled.

Bill Statement Settings

• Bill Statement Header Logo – The logo shown in the statement header. Use Upload Logo to choose an image and Delete Logo to remove it.

Settings Tab – Credits Dashboard Section

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Path: Credits > Settings > Settings > Credits Dashboard.

Credit Dashboard Settings

• Credits Dashboard Page – The page that shows the Credits Dashboard. Default: the Credits Dashboard page created on first activation.
• Display Credits Dashboard in My Account Page – Adds a Credits menu item to the WooCommerce My Account page. Default: disabled.

Credits Dashboard Endpoints

These set the URL endpoints for the dashboard pages. All three are required.

• Make Payment – Default: wc-cs-make-repayment.
• View Unbilled Transactions – Default: wc-cs-view-unbilled-txns.
• View Statements – Default: wc-cs-view-statements.

Settings Tab – Billing & Repayment Section

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Path: Credits > Settings > Settings > Billing & Repayment.

Billing Settings

• Billing Date – The day of every month on which a bill is generated. The bill includes the credit spending since the last bill. Choices: 1st to 27th of Every Month. Default: 10th.
• Threshold Date – Decides the user’s first billing month. Must be earlier than the Billing Date. Choices: 1st to 28th of Every Month. Default: 5th. Example: with a threshold of the 5th and a billing date of the 10th, a user approved on 8 January gets their first bill on 10 February, not 10 January.

Repayment Date Settings

• Repayment Month – Whether the bill must be paid in the same month it is generated or in the next month. Choices: This Month / Next Month. Default: This Month.
• Due Date – The day of the month the bill is due. The available days depend on the Billing Date and Repayment Month: with This Month, only days after the billing date are listed; with Next Month, only days before the billing date are listed. Default: 20th. If no day is possible, the page shows “No due dates available!!”.

Repayment Settings

• Send Payment Notification Emails – The days after the bill date on which payment reminder emails are sent, separated by commas (“days after bill generated date”). Default: 1,2,3.
• Repayment Product – The product used to process repayments and advance payments through the WooCommerce checkout. Default: Credits Repayment. Required.
• Hide Payment Methods For Repayment – The payment methods to hide when customers make a repayment or advance payment.

Minimum Amount Due Settings

• Enable Minimum Amount Due – Requires customers to pay a minimum percentage of the bill statement amount before the due date. Default: disabled.
• Minimum Amount Due Percentage (%) – The percentage of the bill that must be paid as the minimum due. Accepts 0.01 to 100. Default: 10. Shown only when Enable Minimum Amount Due is enabled.
• Overdue Calculation Based On – Whether the account becomes overdue based on the full bill or only the minimum due. Choices: Full Statement Amount / Minimum Amount Due. Default: Minimum Amount Due. Shown only when Enable Minimum Amount Due is enabled.

Settings Tab – Restrictions Section

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Path: Credits > Settings > Settings > Restrictions.

Credits Dashboard Restriction Settings

These settings control who can see the application form on the Credits Dashboard. Users without access see the restricted message. In Auto Approval mode, only users who already have a credit line can access the dashboard.

• Credits Dashboard Accessible For – Choices: All Users / Include Users / Exclude Users / Include User Roles / Exclude User Roles. Default: All Users.
• Include User(s) – The users who can access the dashboard. Shown only when Credits Dashboard Accessible For is Include Users.
• Exclude User(s) – The users who cannot access the dashboard. Shown only when Credits Dashboard Accessible For is Exclude Users.
• Include Userrole – The user roles that can access the dashboard. Shown only when Credits Dashboard Accessible For is Include User Roles.
• Exclude Userrole – The user roles that cannot access the dashboard. Shown only when Credits Dashboard Accessible For is Exclude User Roles.
• Site Activity of User – Gives access based on the user’s purchase history. Choices: No Restrictions / Minimum Number of Orders Placed / Minimum Amount Spent. Default: No Restrictions.
• Min No.Of Orders Placed – The minimum number of orders the user must have placed. Shown only when Site Activity of User is Minimum Number of Orders Placed.
• Min Amount Spent on Site – The minimum amount the user must have spent. Shown only when Site Activity of User is Minimum Amount Spent.

Credits Usage Restriction Settings

• Minimum Cart Total to Show Credits Payment Method – The Credits payment method is shown at checkout only if the cart total is more than this value.
• Allow Credits Usage in Overdue Status – When enabled, the Credits payment method is shown even if the user’s credit account status is Overdue. Default: disabled.

Settings Tab – Advanced Section

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Path: Credits > Settings > Settings > Advanced.

Miscellaneous Settings

• Default Status of Orders Placed Through Credits Payment Method – The order status given to orders paid with credits. The list shows your WooCommerce order statuses except Pending payment, On hold, Cancelled, Refunded and Failed (for example Processing / Completed). Default: Processing.
• Debit Funds From User’s Account When Order Status Becomes – The order status at which the credits are debited. Uses the same list. Default: Processing. When the default order status is Completed, only Completed can be chosen here.
• Disable WooCommerce Emails for Orders Placed Using Credits Payment Method – The WooCommerce emails that are not sent for credit orders. Choices: New order / Processing order / Completed order. Default: none.
• Custom CSS – Custom CSS for the plugin’s frontend.

Rules Tab

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Path: Credits > Settings > Rules.

Settings

• Switch Between Rules based on Priority – When enabled, a user on a lower-priority rule is moved automatically to a higher-priority rule once they meet it, and their credit limit is updated. Default: enabled on new installations.

Rules

The rules table and the Add Rule button. See “Step 2: Create Credit Line Rules”.

Messages and Localization Tab – Localization Section

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Path: Credits > Settings > Messages and Localization > Localization. These fields set the labels shown on the customer’s Credits Dashboard (under Credits Dashboard Page).

Each field’s default is the label shown in brackets.

• Approved Credits Label – (Approved Credits)
• Available Credits Label – (Available Credits)
• Total Outstanding Label – (Total Outstanding)
• Last Bill Amount Label – (Last Bill Amount)
• Last Bill Date Label – (Last Bill Date)
• Due Date Label – (Due Date)
• Last Payment Date Label – (Last Payment Date)
• Next Billing Date Label – (Next Billing Date)
• Make Payment Label – (Make Payment)
• View Unbilled Transactions Label – (View Unbilled Transactions)
• View Statements Label – (View Statements)
• Select Period Label – (Select Period)
• View Statements Link Label – (View Statement)
• Statement Date Label – (Statement Date)
• Payable Amount Label – (Payable Amount)
• Pay Total Payable Amount Label – (Pay Total Payable Amount)
• Pay Custom Amount Label – (Pay Custom Amount)
• Enter Amount Label – (Enter Amount:)

Messages and Localization Tab – Messages Section

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Path: Credits > Settings > Messages and Localization > Messages.

Credits Dashboard Page

• Credit Application Submitted Acknowledgement – Shown while an application is pending or under review.
• Credit Application On-Hold Message – Shown when the credit account is on hold.
• Credit Application Rejected Message – Shown when the application is rejected.
• Admin Funds Addition Notice in Cart and Checkout Page – Shown in the cart and checkout when adding admin funds.
• Credit Line Availability Notice in My Account Page After Receiving Credits – Shown on the My Account dashboard to users with an active credit line. Available shortcodes: [available_credits] (the user’s available credits) and [dashboard_link] (the Credits Dashboard URL).
• Credit Line Availibility Notice Before Receiving Credits – Shown on the My Account dashboard to users who can apply but don’t have a credit line yet. Use [application_form_url] for the application link.
• Credits Application/Dashboard Page Restricted Message – Shown to users who cannot access the dashboard.
• Credit Repayment Notice in Cart and Checkout Page – Shown during a repayment.
• Credit Advance Payment Notice in Cart and Checkout Page – Shown during an advance payment.
• Add Funds Restricted Error Message – Shown when a user who is not allowed tries to add funds.
• Add Funds Product in Cart Error Message – Shown when funds addition is already in the cart.
• Previous Cart Removal while adding Funds Addition Product to Cart Error Message – Shown when other products are removed from the cart to add funds.
• Repayment Error Message – Shown when the user is not allowed to make a repayment.
• Repayment Product in Cart Error Message – Shown when a repayment is already in the cart.
• Repayment Coupon Usage Error Message – Shown when a coupon is applied to a repayment.
• Advance Payment Coupon Usage Error Message – Shown when a coupon is applied to an advance payment.
• Advance Payment Product in Cart Error Message – Shown when an advance payment is already in the cart.
• Add Funds Error Message in Form Handler – Shown when adding funds fails.
• Repayment Error Message in Form Handler – Shown when preparing a repayment fails.
• Advance Payment Error Message in Form Handler – Shown when preparing an advance payment fails.
• Invalid Amount Error Message for Add Funds – Shown when the funds amount is invalid.
• Funds Addition Coupon Usage Error Message – Shown when a coupon is applied to funds addition.
• Funds Addition Amount Message – Shown with the amount being added. Use [funds_addition_amount].
• Funds Addition Range Error Message – Shown when the amount is out of range. Uses [min_amnt_to_add_funds] and [max_amnt_to_add_funds].

Checkout Page

• Message when Credits Payment Method Not Displayed Due to Overdue Account – Shown at checkout when the account is overdue.
• Message when Credits Payment Method Not Displayed Due to Insufficient Balance – Shown at checkout when the user’s balance is too low for the order.

Privacy Setting

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Path: WooCommerce > Settings > Accounts & Privacy.

• Account erasure requests – Remove personal data from Credits for Woocommerce. When enabled, account erasure requests also remove the user’s personal data held by this plugin. Default: disabled.

Managing Credit Lines

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Credits List

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Go to Credits > Credits to see every credit line. Columns: Username / Email, Status, Approved Credits, Total Outstanding, Available Credits and Actions. Click View more to open a credit line.

Credit line statuses: Pending, Active, Rejected, On-Hold, Overdue and Under Review.

Add a Credit Line Manually

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1. Go to Credits > Credits and click Add credits.

2. In the Register Credits to New User window, search for the user.

3. Review the user’s site activity, then click Proceed to Register. Click Cancel to go back.

4. On the credit line page, set the status and limit in the Credits box and click Save.

Edit Credits Page

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Open a credit line to see these boxes.

Basic Details

Shows the applicant’s form answers and attached files.

Credits (Before Approval)

Shown while the status is Pending, Rejected or Under Review.

• Status – Choices: Pending / Active / Rejected / Under Review.
• Available Funds in Admin Account – The admin fund balance. Shown only when Fund Type To Use is Admin Funds.
• Eligible Credits – The credit limit from the matching rule. Click Edit to enter a different limit. Shown only when Status is Active.
• Use Global Billing Date – Uses the billing date from the settings. Untick to show Billing Date and pick a date for this user. Shown only when Status is Active.
• Use Global Due Date – Uses the due date from the settings. Untick to show Due Date and pick This Month / Next Month and a day for this user. Shown only when Status is Active.

Click Save. A limit you edit by hand is not updated automatically by rules later.

Credits (After Approval)

Shown once the credit line is Active, On-Hold or Overdue.

• Status – Choices: Active / On-Hold / Overdue.
• Approved Credits, Total Outstanding, Available Credits, Last Bill Date, Last Bill Amount, Due Date, Last Payment Date, Next Billing Date – Read-only account details.
• Minimum Amount Due (%) (with the percentage shown) – Shown when Enable Minimum Amount Due is on and a minimum due remains unpaid.
• Modify Credits – Tick to show New Credits and enter a new credit limit.
• Modify Due Date – Tick to change the due date of the current bill (with Use Global Due Date and Due Date). Shown only when a payment is due on an active account.
• Modify Next Billing Date – Tick to change the next billing date (with Use Global Billing Date and Billing Date). Shown only when no bill is pending before its due date.

Buttons:

• Make Minimum Due Payment – Records the remaining minimum due as paid. Shown only when a minimum due remains.
• Make Full Payment – Records the full payment. Shown only when a payment is due.
• Make Custom Pay – Opens Make Custom Payment. Enter the amount and click Make Custom Payment.
• Save – Saves your changes.

Transactions

Lists the user’s transactions with Activity, Credit, Debit and Date. Switch between Unbilled and Billed views, and use Search transactions.

• Credit/Debit Funds – Opens a window to add or remove funds by hand. Fields: Type (Credit / Debit), Enter Amount and Reason. Click Submit.
• Export Transactions to CSV – Exports all of this user’s transactions. See “Exporting Data to CSV”.

View Statements

Choose the month and year under Select Period: and click View to open the bill statement.

Notify User

Choose Recent Bill Statement and click Send to email the latest bill to the user.

Site Activity

Shows Member Since, Total No.Of Orders Placed, Total Amount Spent on Site, Highest Order Value, Lowest Order Value, Average Monthly Amount Spent and Average Yearly Amount Spent. Click Check to recalculate.

Late Fee Actions

Untick Charge Late Fee and click Update to stop late fees for this user. It is ticked by default.

Bulk Actions

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Select rows in a table, choose a bulk action and click Apply. After you filter a table, you can use Select all … items matching these filters so the action applies to every matching row.

• Credits – Approve Credit Line / Put On-Hold / Reactivate / Reassign to Rule / Delete. Approve Credit Line skips lines that have no approved credit limit. Reactivate only affects lines that were approved before.
• Form Fields – Move to Enabled / Move to Disabled / Set as Required / Set as Optional / Delete. The default email field cannot be disabled or made optional.
• Admin Funds and Virtual Funds – Delete.

To reassign credit lines to a rule:

1. On Credits > Credits, select the credit lines.

2. Choose Reassign to Rule and click Apply.

3. In the Reassign to Rule window, pick the Rule and click Reassign.

The selected lines get the rule’s limit and switch to automatic. This overwrites any limit set by hand.

Filtering, Searching and Sorting Tables

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The Credits, Admin Funds, Virtual Funds and Form Fields tables have a search box, sortable columns and filters. Click Advanced Filters, choose the filters and click Apply Filters. Active filters appear as chips under the button; click a chip to remove it, or Clear All to remove all.

• Credits – Dropdowns in the table bar: Automatic/Manual Credit Line Users (Automatic Credit Line Users / Manual Credit Line Users) and Created via Application/Rule (Created via Application / Created via Rule / Created via Admin / Created via REST). In Advanced Filters: Status, Total Outstanding (Minimum Outstanding / Maximum Outstanding), Approved Credits (Minimum Approved Credits / Maximum Approved Credits) and Available Credits (Minimum Available / Maximum Available).
• Admin Funds – Transaction Type, Direction (Credits and Debits / Credits Only / Debits Only), an amount range (Minimum Credits/Debits / Maximum Credits/Debits, which follows the chosen direction) and Balance (Minimum Balance / Maximum Balance).
• Virtual Funds – Transaction Type, Credit (Minimum Credit / Maximum Credit) and Balance (Minimum Balance / Maximum Balance).
• Form Fields – Field Type, Status and Requirement (Required and Optional / Required only / Optional only).
  

Admin Funds and Virtual Funds

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Credits > Admin Funds appears when Fund Type To Use is Admin Funds. It shows the Available Funds at the top and lists every fund movement with Activity, User Email, Credit, Debit, Balance and Date.

Credits > Virtual Funds appears when Fund Type To Use is Virtual Funds. It lists Activity, User Email, Credit, Balance and Date.

Exporting Data to CSV

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1. Open the table you want (Credits, Admin Funds, Virtual Funds or Form Fields).

2. Filter or search the table down to the rows you need. The export follows what the table shows.

3. Click Export.

4. Under Columns, tick the columns you want. Use Select All or Select None.

5. Click Download CSV and keep the window open until the download starts.

To export one customer’s transactions, open the credit line, click Export Transactions to CSV in the Transactions box, choose the columns and click Download CSV.

Importing Form Fields

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1. Go to Credits > Form Fields and click Import.

2. Drop a CSV file in the window or click Choose a file.

3. Click Upload and Import. If some columns can’t be matched, match them under Match the columns first.

4. Review the result. If rows failed, click Download these rows as a CSV, fix them and import again.

5. Click Close and refresh.

Supported columns: Name (required in every row), Label, Type, Status, Required, Priority, Placeholder, Description, Default Value, Options, Maximum Length, Autocomplete, Wrapper Classes, Label Classes, Input Classes and Validation. Rows are matched by field name. An existing field keeps its type, status and required setting. An empty cell leaves the value unchanged. A file exported from Form Fields can be edited and imported straight back.

Shortcodes

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• [credits_dashboard] – Displays the Credits Dashboard. Shows the application form to users without a credit line, a status message while the application is pending, on hold or rejected, and the dashboard once active.
• [credits_payment_details] – Displays the Credits Payment Details (the Make Payment page).
• [credits_statements] – Displays the Credits Statements page.
• [credits_unbilled_transactions] – Displays the Credits Unbilled Transactions page.
• [available_credits] – Displays the logged-in user’s available credits. Can be used anywhere on the site, and in the Credits payment method description.

Emails

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Go to WooCommerce > Settings > Emails to manage the plugin’s emails. Each email has Enable/Disable (“Enable this email notification”, enabled by default), Email Subject and Email Heading. Admin emails also have Recipient(s), which defaults to the site admin email.

Customer Emails

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• Credit Application Submitted – Sent when the customer submits an application.
• Credit Application Under Review – Sent when you set the application to Under Review.
• Credit Application Rejected – Sent when you reject the application.
• Credit Application Active – Sent when you approve the application.
• Automatic Credits Approval – Sent when credits are approved automatically by a rule.
• Credit Line Updated – Sent when the credit limit is updated by a rule.
• Account On-Hold – Sent when the credit account is put on hold.
• Bill Generated – Sent when a bill is generated.
• Payment Reminder – Sent before the due date, on the days set in Send Payment Notification Emails.
• Payment Overdue – Sent when the bill is not paid by the due date.
• Payment Success – Sent when the customer pays their bill.
• Funds Credited – User – Sent when funds are credited to the customer’s account.
• Funds Debited – User – Sent when funds are debited from the customer’s account.

Admin Emails

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• Funds Addition Success – Admin – Sent when funds are added to the admin account.
• Funds Low – Admin – Sent when admin funds drop below the Low Funds Threshold.

The plugin’s emails can be previewed with the WooCommerce email preview feature.

Compatibility

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• HPOS – Compatible with WooCommerce High-Performance Order Storage.
• Cart and Checkout blocks – The Credits payment method works in the block-based checkout.
• WPML – The plugin includes a wpml-config.xml file, so the Localization and Messages texts and the dashboard endpoints can be translated with WPML String Translation. The Credits Dashboard endpoints also work on translated pages.
• WooCommerce Multilingual & Multicurrency – Multi-currency support: dashboard amounts are shown in the customer’s currency, and charges, payments and refunds are converted to the store’s base currency.
• CURCY – WooCommerce Multi Currency – The same multi-currency support.
• WooCommerce Subscriptions – The Credits payment method can be used for subscription orders and renewals.
• Refunds – Orders paid with credits can be refunded from the WooCommerce order screen.

Usage

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Customer Journey

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Apply for Credits

1. The customer logs in and opens the Credits Dashboard page (or My Account > Credits if Display Credits Dashboard in My Account Page is enabled). The My Account dashboard also shows a notice with a link to the application.

2. The customer fills in the User Details form and clicks Submit.

3. The dashboard shows the application submitted message until you decide on it.

4. Once approved, the customer receives the Credit Application Active email.

In Auto Approval mode there is no form. Users who match a rule get a credit line automatically and receive the Automatic Credits Approval email.

Use the Dashboard

The dashboard shows Approved Credits, Total Outstanding, Available Credits, Last Bill Date, Last Bill Amount, Due Date, Last Payment Date and Next Billing Date. When Enable Minimum Amount Due is on, it also shows Minimum Amount Due (%) (with the percentage shown) and Amount Paid Towards Minimum Due. Buttons: Make Payment, View Unbilled Transactions and View Statements.

Buy with Credits

1. The customer adds products to the cart and goes to checkout.

2. The customer selects the Credits payment method and places the order.

3. The order total (plus any interest) is debited from Available Credits when the order reaches the status set in Debit Funds From User’s Account When Order Status Becomes.

View Transactions and Statements

• View Unbilled Transactions – Lists transactions not yet billed, with Activity, Credit, Debit and Date. Click Download as CSV to export them.
• View Statements – Choose the month and year and click View Statement. Click Download All Statements(zip) to download every statement at once.

Repay

1. The customer clicks Make Payment. The page shows Statement Date, Due Date and Payable Amount.

2. The customer clicks Pay Total Payable Amount, or Pay Minimum Due (when a minimum due applies), or Pay Custom Amount, enters the amount and clicks Proceed to Pay.

3. The customer completes the WooCommerce checkout using any payment method not hidden in Hide Payment Methods For Repayment.

4. The customer receives the Payment Success email.

When no bill is due, Pay Custom Amount makes an advance payment. Coupons cannot be used for repayments or advance payments.

Admin Day-to-Day Tasks

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• Review applications – Open Credits > Credits, filter by Status, open each Pending line, check Basic Details and Site Activity, then set Status to Active, Rejected or Under Review and click Save.
• Approve in bulk – Select lines and use Approve Credit Line.
• Change limits – Use Modify Credits on a credit line, or Reassign to Rule in bulk.
• Record offline payments – Use Make Full Payment, Make Minimum Due Payment or Make Custom Pay.
• Adjust balances – Use Credit/Debit Funds in the Transactions box.
• Resend a bill – Use Notify User > Recent Bill Statement > Send.
• Monitor funds – Check Credits > Admin Funds or Credits > Virtual Funds.
• Report – Use Export on any list, or Export Transactions to CSV for one customer.

Real-World Usage Example

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Green Leaf Supplies sells to trade customers and wants to offer 30-day credit.

1. The store owner keeps Credit Line Approval Mode as Application Based Approval and Approval After Application Submission as Manual Approval, and keeps Fund Type To Use as Virtual Funds.

2. On the Rules tab, they click Add Rule, name it “Trade Customers”, choose Has placed number of orders more than or equal to with 3, set Credit Limit to 1000 and click Save Rule.

3. On Billing & Repayment, they set Billing Date to 10th, Threshold Date to 5th, Repayment Month to This Month and Due Date to 25th.

4. They tick Enable Minimum Amount Due with Minimum Amount Due Percentage (%) of 20.

5. Customer Priya Sharma, who has placed 5 orders, opens the Credits Dashboard, fills in the form, attaches her business registration under Attach a File and clicks Submit.

6. The owner opens Priya’s line in Credits > Credits, sees Eligible Credits of 1000, sets Status to Active and clicks Save. Priya receives the Credit Application Active email.

7. Priya orders goods worth 400 and pays with Credits. Her Available Credits drop to 600.

8. On the 10th, a bill of 400 is generated and Priya receives the Bill Generated email. Her dashboard shows a Minimum Amount Due (20%) of 80.

9. Priya clicks Make Payment, then Pay Total Payable Amount, and pays by card. She receives the Payment Success email and her credits are restored.

Translation

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Credit Line or Credits for WooCommerce is translation ready, meaning you can edit the po files by which you can translate the text to any language. Steps to perform the translation are as follows. For example, a translation to French.

• Download and install Poedit
• Open the file credits-for-woocommerce > languages > credits-for-woocommerce.pot using Poedit.
• Create a new translation file by clicking Create new translation button.
• Choose the Source text and set its corresponding French text in Translation Text Area.
• Save the changes.
• Save the file name as credits-for-woocommerce-fr_FR.po.
• If you are using WordPress Version 3.9.13 or below, then in wp-config.php define the WPLANG as French. Syntax is define(‘WPLANG’, ‘fr_FR’);
• If you are using WordPress Version 4.0 or above, then go to WordPress dashboard > Settings > General and select the Site Language as French.

FAQ

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Q: What’s the difference between “Admin Funds” and “Virtual Funds”?

In “Admin Funds”, the site admin has to load credits to their own account in order to give credit line to other customers. In case if there is no enough credits in your account, you won’t be able to give a credit line to the customers.

In “Virtual Funds”, site admin doesn’t need to load credits to their account. A Credit line can be given to customers.

Q: How to style the bill statement?

It is not possible to style the bill statement.

Q: Refunds are not credited to the customer account. Why?

Updating the status to “Refunded” won’t credit the refund amount to the customer account. Follow the below steps while processing the refund to credit the refund amount directly to the customer’s account.

• Edit the order that you want to refund.
• Click the “Refund” button.
• Update the refundable product quantity.
• Click the “Refund $x.xx via Credits” button.
  

Q: Why bill is not generated from the plugin?

Bill will be generated automatically using cron. Please cross check whether cron is running properly on your site. If the cron is not running, then that is the reason why the bill is not generating.

Q: Is it possible to get the application form submitted with the phone number field as mandatory instead of the email address field?

We are getting customer details using the Email address and hence it is not possible to disable the email address field and it is not possible to give the email address field as optional.

Q: How to generate bill every week instead of every month?

Weekly billing is not possible. Only monthly billing is possible.

Q: I need to set the repayment date exactly after specific days of purchasing date. Is that possible?

It is not possible. Only a specific date of the month can be set as a repayment date.

Questions and Feedback

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