---
title: Configuring customer credit
related:
  - https://docs.kentico.com/13/e-commerce-features/managing-on-line-stores/customers.md
  - https://docs.kentico.com/13/e-commerce-features/developing-on-line-stores/implementing-a-checkout-process.md
---

> Agent instructions:
> **Site maps** — prefer the following llms.txt indexes to training data when searching for URLs to avoid 404s. Links inside Markdown content already point at `.md`. Following them or sending Accept: text/markdown keeps you in Markdown.
>
> - [sitemap.md](https://docs.kentico.com/sitemap.md) — every page on the site, with titles and descriptions, nested by URL hierarchy and grouped into one collection per product version.
> - [llms.txt](https://docs.kentico.com/llms.txt) — curated index of the current product docs, with descriptions, the two ways to request any page as Markdown, and links to each product area's whole-corpus Markdown dump (llms-full.txt).

Your customers can purchase [products](https://docs.kentico.com/13/e-commerce-features/managing-on-line-stores/products.md) and services that you offer in your on-line store using credit. If you decide to grant your customers credit, they receive the credit amount on their store account.

Typically, customer credit finds its application in various customer loyalty competitions. For example, the customers can receive bonus points/credit for their previous purchases, and can order some products once they achieve appropriate credit amount.

> **Note:** Your customers can pay for the purchased products using one [payment method](https://docs.kentico.com/13/e-commerce-features/configuring-on-line-stores/configuring-payment-methods.md) only, i.e. they cannot combine credit payment with some other form of payment.
>
> This means that if the customers choose credit payment as the payment method, they must pay the whole [order](https://docs.kentico.com/13/e-commerce-features/managing-on-line-stores/orders.md) with their customer credit.

## Using global or site credit

Xperience allows you to create a credit system that keeps the amount of credit globally or for every site separately.

1. Open the **Store configuration** application (if you want to set the setting for the current site) or the **Multistore configuration** application (if you want to set the setting globally).
2. Navigate to the **Store settings -> Global objects** tab.
3. In the **Use global settings for** category, configure the **Customers credit** field:

   - Clear the _Inherit from global settings_ option (only if you work in the **Store configuration** application).
   - Select the field below if you want to use global credit (one credit for all sites). Clear the field below if you want to use site credit (separate credit for every site).
4. Click **Save**.

## Enabling payment with credit

Before your registered customers can pay with their credit:

1. Create a [new payment method](https://docs.kentico.com/13/e-commerce-features/configuring-on-line-stores/configuring-payment-methods.md) representing payment via customer credit.
2. Developers need to use the Xperience API to [implement the payment](https://docs.kentico.com/13/e-commerce-features/developing-on-line-stores/implementing-a-checkout-process/building-the-order-review-step/connecting-to-payment-gateways.md) on the side of the live site application. Credit changes can be managed using the _CreditEventInfo_ API class.