Store Credit Settings

Pro

Control how store credit behaves in your store — toggle the system on or off, configure automatic application rules, set expiration periods, and manage credit purchase limits.

Availability: Pro

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Overview

The Store Credit Settings page is the central control panel for every aspect of the credit system. From here you decide whether credit is active, how it is consumed, when it expires, and whether customers can buy it directly.

Settings are organized into four sections: General, Credit Application, Credit Expiration, and Credit Purchase.

When to Use This

  • You are setting up Store Credit for the first time.
  • You want to change whether credit auto-applies to renewals.
  • You want to start offering credit purchases to customers.
  • You need to set or adjust the expiration policy.
  • You want to allow or disallow credit usage at checkout.

Prerequisites

  • ArraySubs Pro active
  • Admin or Shop Manager access

Steps

  1. Go to ArraySubs → Store Credit → Settings.
  2. Configure the settings described below.
  3. Click Save Settings.

Settings Reference

Store Credit Settings tab — Enable switch, Auto-Apply, and Minimum Order Amount
Store Credit Settings tab — Enable switch, Auto-Apply, and Minimum Order Amount

General Settings

Setting Type Default What it controls
Enable Store Credit System Toggle On Master switch for the entire Store Credit feature. When disabled, no credit is tracked, applied, or displayed anywhere — including the customer portal and admin pages.

Disabling Store Credit does not delete existing balances or transaction logs. It only hides the feature from the UI and stops all automated processing. Re-enabling it restores everything.

Credit Application

These settings control how and when credit is consumed.

Setting Type Default What it controls
Auto-Apply to Renewals Toggle On When enabled, the system automatically applies available credit to every subscription renewal invoice. Subscription-level credit is used first, followed by customer-level credit.
Allow at Checkout Toggle Off When enabled, credit is automatically applied to new subscription purchases at checkout. Only applies to orders that contain subscription products.
Minimum Order Amount Number 0 Credit can only be applied to orders above this amount. Set to 0 to allow credit on any order regardless of total. Accepts decimal values (e.g., 25.00).

Auto-Apply to Renewals is the most impactful setting here. When it is on, customers with credit never need to take action — their credit silently reduces each renewal total. When it is off, credit accumulates but is only consumed if you manually apply it or if Allow at Checkout is enabled for new purchases.

How the minimum order amount works: If you set this to $50.00 and a renewal invoice is $35.00, credit will not be applied to that invoice. The full $35.00 is charged through the normal payment method. This prevents credit from being consumed on small recurring charges where you prefer full payment.

Credit Expiration

Setting Type Default What it controls
Expiration Period (Days) Number 0 How many days after a credit is issued before it expires. Set to 0 for credits that never expire.

When expiration is active:

  • Each new credit transaction is stamped with an expiration date calculated as issue date + expiration days.
  • A background job runs daily at 3:00 AM (server time) to process expired credits.
  • 7 days before a credit expires, the customer receives a Credit Expiring email notification (if enabled).
  • When a credit expires, the balance is automatically deducted and the customer receives a Credit Expired email notification (if enabled).
  • Expired credits appear in the Credit History with an "Expired" source label.

The expiration period applies only to new credits issued after the setting is configured. Existing credits that were added before the expiration setting was enabled do not retroactively receive an expiration date.

Common expiration values:

Days Meaning
0 Credits never expire (default)
30 Credits expire after 1 month
90 Credits expire after 3 months
180 Credits expire after 6 months
365 Credits expire after 1 year

Credit Purchase

Credit purchase settings — Enable Credit Purchases switch and amount controls
Credit purchase settings — Enable Credit Purchases switch and amount controls

These settings control whether customers can buy store credit directly.

Setting Type Default What it controls
Enable Credit Purchases Toggle Off When enabled, customers can purchase store credit through a dedicated WooCommerce product type.
Minimum Purchase Amount Number 10 The lowest credit amount a customer can buy in a single transaction.
Maximum Purchase Amount Number 500 The highest credit amount a customer can buy in a single transaction.
Default Purchase Amount Number 50 The pre-filled amount shown on custom-amount credit products.

Enabling credit purchases here is only the first step. You also need to create a Store Credit product in WooCommerce. See Purchase Product for the complete setup guide.

The min/max/default amounts apply to custom-amount credit products (where the customer enters their own amount). Fixed-amount credit products ignore these limits and always grant the configured fixed value.

What Happens After Saving

  • Changes take effect immediately for all future credit operations.
  • Enabling Auto-Apply to Renewals means the next renewal invoice processed will check for available credit and apply it.
  • Enabling Allow at Checkout means the next checkout that includes a subscription product will check for credit.
  • Changing the expiration period only affects credits issued after the change. Previously issued credits keep their original expiration date (or lack of one).
  • Enabling Credit Purchases makes the Store Credit product type available in WooCommerce but does not create a product. You need to create one manually.

Real-Life Use Cases

Use Case 1: Simple Renewal Credit System

You want credit from refunds and downgrades to automatically pay down future renewals — nothing more.

Setting Value
Enable Store Credit System On
Auto-Apply to Renewals On
Allow at Checkout Off
Expiration Period 0 (never)
Enable Credit Purchases Off

This is the default configuration. Credit accumulates passively and silently reduces renewal costs.

Use Case 2: Time-Limited Promotional Credit

You plan to grant $20 promotional credit to new subscribers and want it to expire after 90 days to create urgency.

Setting Value
Expiration Period 90
Auto-Apply to Renewals On

New promotional credits will automatically expire after 90 days. Customers receive a warning email 7 days before expiration, giving them time to use or spend their credit.

Use Case 3: Customer Self-Service Credit Store

You want customers to buy credit upfront at a bonus rate and spend it over time on renewals and new subscriptions.

Setting Value
Enable Credit Purchases On
Allow at Checkout On
Min Purchase Amount 25
Max Purchase Amount 500
Default Purchase Amount 100
Auto-Apply to Renewals On

Then create a Store Credit product with a bonus percentage (see Purchase Product).

Edge Cases and Important Notes

  • Auto-apply never exceeds the available balance. If a customer has $20 in credit and a renewal is $50, only $20 is applied. The remaining $30 is charged normally.
  • Credit applied as a negative fee. On the WooCommerce order, credit appears as a fee line item with a negative value. This keeps the original order total intact for reporting.
  • Minimum order amount affects both renewals and checkout. If set to $50, neither a $30 renewal nor a $30 checkout order will have credit applied.
  • Expiration job timing. The daily expiration batch runs at 3:00 AM server time. Credits that expire mid-day are not processed until the next batch run.
  • Subscription credit vs. customer credit. These settings control customer-level credit behavior. Subscription-level credit (from downgrades) is always applied to that subscription's renewals regardless of these settings, as long as the system is enabled.

Troubleshooting

Problem Likely Cause What to Do
Credit is not applied to renewals Auto-Apply to Renewals is off, or the order total is below the minimum order amount Enable the toggle and check the minimum order amount
Credit is not applied at checkout Allow at Checkout is off, or the cart does not contain a subscription product Enable the toggle and verify the cart contents
No expiration emails sent Expiration days is set to 0, or the email is disabled in WooCommerce settings Set an expiration period and enable the Credit Expiring email in WooCommerce → Settings → Emails
Credit purchase products not visible Enable Credit Purchases is off, or no Store Credit product has been created Enable the toggle and create a product (see Purchase Product)
Settings do not seem to take effect Browser cache showing stale page Hard-refresh the admin page and verify the save was successful

FAQ

If I disable Store Credit, do customers lose their balances?

No. Disabling the system hides the feature from the UI and stops automated processing, but all balances and transaction logs are preserved. Re-enabling the system restores everything.

Can I set different expiration periods for different credit sources?

No. The expiration period is a single global value that applies to all new credits regardless of source. You cannot set a different expiration for refund credits vs. promotional credits.

Does the minimum order amount apply before or after credit is calculated?

Before. The system checks if the order total (before credit) exceeds the minimum. If it does, credit is applied. If not, the order processes without credit.

What happens if I change the expiration period?

Only new credits receive the new expiration date. Existing credits keep their original expiration date. Credits that were issued with no expiration (when the setting was 0) will not retroactively gain an expiration date.