How CreditKit Pro works, end to end.
Two flows tell the whole story: a customer paying for an order in credits, and a team spending a shared prepaid budget with approval. Everything else — the ledger, the gateway, the webhooks — sits underneath these two.
A customer pays for an order in credits.
Members hold a credit balance. At checkout, the pay-with-credits gateway covers the whole order from that balance — all-or-nothing, never a part-credit-part-card split.
Top up
A customer buys a credit bundle (a WooCommerce product), or you grant credits manually. The balance lands in their account, recorded in the ledger.
STEP 1Spend at checkout
On a credits-payable product the Credit gateway is offered. If the balance covers the order it pays in full; if not, the gateway is hidden and a “Buy credits” link sends them to top up first.
STEP 2It is on the ledger
The spend is one atomic, signed transaction. The customer sees their new balance and full history in My Account; you see it in Transactions.
STEP 3
A team spends a shared budget, with approval.
Turn on Groups & Budgets and the same engine runs a B2B program: a pooled prepaid budget, spent by many members, with manager approval on the transactions that cross your threshold.
Fund the pool
Create a group, add members, and top up one shared credit budget. No per-member allowances to maintain, no card on file.
STEP 1Set the threshold
Choose a credit amount above which spends need sign-off. Below it, members buy freely; above it, the spend waits.
STEP 2Approve per transaction
A manager approves or rejects each over-threshold spend before the credits leave the pool — every time, not a one-off sign-off.
STEP 3Built so the ledger always balances.
Atomic spend
Every debit is a single guarded operation, so a shared balance can’t be pushed negative by two people at once.
SAFESigned ledger
Every credit movement is a timestamped, signed transaction — a real audit trail, not a single balance field.
AUDITREST + webhooks
Automate top-ups and react to events with a documented REST API and signed webhooks for key credit, team & security events.
API