WooCommerce store-credit and wallet plugins, compared

Last updated: 21 July 2026. Seven plugins, sourced from vendor documentation.

This page compares seven WooCommerce store-credit and wallet plugins on the capabilities that actually differ between them. Every competitor cell comes from that vendor’s own documentation, pricing page or wordpress.org listing, checked on 21 July 2026. We make one of the seven, CreditKit Pro, and our column includes the rows where we lose.

How to read this table

• Yes — the vendor documents it.
• No — a source states it is absent, or it is our own product and we know it is absent.
• Not documented — we could not confirm it from vendor sources. This is not the same as “No.” Several of these plugins may support things their documentation does not mention.

Capability	CreditKit Pro	TeraWallet	Account Funds	Wallet System for WC	YITH Account Funds	Smart Coupons	Fast Credit Pro
Price (July 2026)	$69 / $149 / $299 per year	Free core; Pro $79/yr	$89/yr vendor; €79/yr Marketplace	Free core; Pro price not captured	Not captured	$129/yr vendor; €115/yr Marketplace	$119/yr 1 site; $199 3 sites; $599 unlimited
Free tier	No	Yes — 20,000+ installs	No	Yes — 2,000+ installs	No free edition found	No	No on the pricing page; a free wordpress.org edition is announced on the vendor blog but was not in the directory on 21 July 2026
Balance denominated in	Credits, configurable label	Store currency	Store currency	Store currency	Store currency	Store currency	Credits, configurable label
Credit / funds expiry	Yes — per bundle, in days, with an optional store-wide override	Pro only — with FIFO deduction	Partial — reward credit only	Not documented	Not documented	Yes — optional expiry date	Yes — expires after N days
Partial (credit + card) payment	No — the gateway is all-or-nothing	Yes	Yes	Yes	Yes	Yes	Not documented
Pooled team budget	Yes	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Per-transaction approval	Yes — on a member’s credit draw against the team budget	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Approval threshold	Yes — draws at or above a threshold route to a manager; below it they pass straight through	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Budget reset schedule	Yes — monthly, quarterly or yearly	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Team roles	Yes — Member, Lead, Manager	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Refund model	Proportional restoration on credit-paid orders (automatic); proportional claw-back on refunded credit bundles; manual goodwill issuance on money-paid orders	Yes — refund to wallet	Yes — refund to store credit	Yes — refund to wallet	Yes	Yes	Not documented
Gift / transfer between users	No	Yes — peer-to-peer by email	Not documented	Yes — transfer by email	Not documented	Yes — gift cards sendable to others	Not documented
Credit holds / reservations	No	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Custom credit-bundle product type	Yes	Top-up product documented; a distinct product type is not	Yes — store-credit products with a predefined value	Top-up documented; a distinct product type is not	Deposit from My Account; a sellable product is not documented	Yes — gift-card and store-credit products	Applied to existing simple and variable products
REST API	Yes	Yes	Not documented	Yes	Not documented	Yes	Yes — two documented routes
Webhooks	Yes — signed	Not documented	Not documented	Not documented	Not documented	Not documented	No — the vendor’s API docs state none
HPOS compatible	Yes	Not documented	Yes	Yes	Not documented	Yes	Not documented
Blocks checkout	Yes	Yes	Yes	Yes	Not documented	Yes	Not documented
Fraud / risk scoring	Yes — five weighted factors	Not documented	Not documented	Not documented	Not documented	Not documented	Not documented
Last updated / active installs	v2.2.0 — no public install count	v1.6.8, 17 Jul 2026 — 20,000+	v4.4.0 — 1K+	v2.7.8, 8 May 2026 — 2,000+	Not captured	v9.80.0 — 20K+, 4.4/5 from 233 reviews	Not captured

Our own column, held to the same standard

CreditKit Pro’s pay-with-credits gateway is all-or-nothing, so we record No on partial credit-plus-card payment — six of six competitors record Yes. We have no free tier; two competitors have a free edition on wordpress.org. We do not support gift or transfer between users, or customer-facing credit holds. Our refund model has three paths: a credit-paid order returns credits automatically and proportionally, a refunded credit bundle claws granted credits back, and a money-paid order can receive goodwill credit issued by an admin at a store-wide rate. Our per-transaction approval applies to a member’s credit draw against a team budget, not to an arbitrary store order. And we have no public install count, because we are sold direct rather than through wordpress.org or the WooCommerce Marketplace — treat that blank as an absence of data, not evidence of scale.

If you find any cell in our own column overstated, hold us to the same five-working-day correction we offer everyone else on this page.

What each plugin does well

TeraWallet (Wallet for WooCommerce)

Free, unlimited sites, 20,000+ active installations, with a release cadence measured in days — v1.6.8 shipped on 17 July 2026. The free tier includes partial payment at checkout, peer-to-peer transfers, cashback, refund-to-wallet and full Blocks checkout support, all of which other plugins put behind a licence. Pro adds real-money withdrawals, FIFO credit expiry, CSV import/export and AffiliateWP for $79 a year. If a wallet is what you need, this is a complete wallet at no cost.

Choose TeraWallet if you want a currency wallet, you need customers to pay part with wallet and part by card, and you would rather spend nothing than $69 a year.

Sources: wordpress.org listing · vendor site. Author: Subrata Mal (StandaloneTech).

Account Funds (Kestrel)

Actively sold and actively developed: v4.4.0 on the WooCommerce Marketplace, maintained by Kestrel Commerce LLC, at $89 a year direct or €79 a year through the Marketplace. It supports partial payment, sellable store-credit products where a sale price lets you sell $100 of credit for $90, refunds to store credit, cashback, and it added full checkout-block support in v3.1.0. It is a first-party-quality WooCommerce extension with an established support operation behind it.

Choose Account Funds if you want prepaid deposits inside a mainstream Marketplace extension with an established vendor, and selling credit at a discount as a top-up incentive is a requirement.

Sources: vendor product page · Marketplace listing · documentation.

Wallet System for WooCommerce (WP Swings)

A free core on wordpress.org with partial payment, wallet-to-wallet transfer, refund-to-wallet, cashback, referrals, auto top-up subscriptions and a documented REST API, and it explicitly declares HPOS compatibility. It also documents wallet KYC verification with feature restrictions, an identity-verification layer no other plugin in this comparison documents. It sits inside a large WP Swings extension suite, so a store already running their products gets one vendor, one support desk and one billing relationship.

Choose Wallet System if you already run WP Swings extensions and want wallet, referrals, KYC and buy-now-pay-later from that one vendor.

Sources: wordpress.org listing · documentation.

YITH WooCommerce Account Funds

Does the deposit-and-spend loop with unusual configurability: minimum, maximum and increment rules on deposits, an explicit discount for buying funds, an explicit discount for paying with funds, optional partial payment alongside any other gateway, and low-balance email notifications with editable content. It is documented for integration with YITH’s own Multi Vendor, Subscriptions, Points & Rewards, PDF Invoices and Affiliates plugins, so a store already standardised on YITH gets funds that behave correctly with the rest of the stack, from one vendor with one licence portal.

Choose YITH Account Funds if your store is already standardised on YITH plugins and you need funds that integrate with YITH Multi Vendor, Subscriptions or Points & Rewards out of the box.

Sources: vendor product page · documentation. This entry has the most blanks of the seven; we have asked the vendor for the missing values.

WooCommerce Smart Coupons (StoreApps)

The most broadly deployed product in this comparison: 20K+ active installs, v9.80.0, rated 4.4 out of 5 from 233 reviews. It combines gift cards with fixed, custom and discounted denominations, scheduled delivery, personal messages and the ability to send to another person; store credit issued as refunds or rewards with automatic balance decrement across multiple orders; bulk generation, URL coupons, BOGO, coupon stacking, and geo- and role-targeted discount rules — with HPOS, Cart and Checkout Blocks and a REST API. If your requirement is a promotions and gifting engine that happens to include store credit, it is a far wider product than CreditKit Pro.

Choose Smart Coupons if your actual need is gift cards and promotional campaigns, with store credit as one instrument among many.

Sources: vendor product page · Marketplace listing.

Fast Credit Pro

The closest product to CreditKit Pro in this comparison. It shares our core idea — an abstract credit unit with a renameable label rather than a currency wallet — so that approach is not ours alone. It goes further than we do on merchandising: dual pricing shows a product in both currency and credits and lets the customer choose which version to buy, credit-award coupons grant credits at checkout, instant purchase grants access the moment credits are spent, credits can expire after any number of days, and “infinite credits” exists for unlimited-access accounts. It documents integrations we do not have, including WooCommerce Subscriptions, YITH Subscriptions and booking plugins for prepaid bookings, plus four bundled translations, WPML support, and a REST API for reading and writing balances.

Choose Fast Credit Pro if you want an abstract-credit store with dual currency-and-credit pricing, credit expiry, and prepaid bookings or subscriptions, and you have no team, budget or approval requirement.

Sources: vendor site · pricing · documentation.

Where CreditKit Pro is different

Most people call this category a WooCommerce wallet or store credit. CreditKit Pro calls the unit a credit — a configurable label your customers see instead of a currency amount.

Across every source we checked, one combination is unoccupied: a prepaid pooled team budget, plus a spend threshold that lets small draws through and routes larger ones to a manager, plus a scheduled budget reset. Individually these exist elsewhere. WooCommerce’s own B2B Company Credits & Permissions extension documents a pooled prepaid company balance with Owner, Manager and Member roles; B2BKing and WholesaleX both document per-order approval as a per-subaccount permission. What we did not find anywhere is the threshold — the setting that decides which purchases need a human and which do not.

As of July 2026 we are not aware of another WooCommerce plugin that combines all three. We checked B2BKing, Kestrel, WholesaleX, TeraWallet, Wallet System for WooCommerce, YITH Account Funds and Smart Coupons.

See how Groups & Budgets works

How this comparison was built

Every competitor cell on this page comes from the vendor’s own documentation, the vendor’s pricing page, the plugin’s wordpress.org listing, or the plugin’s changelog — never from our own testing. We have not installed or run any competing plugin, so we make no claims about how any of them behave in practice, and we make no judgements about their quality. Where a vendor does not document a capability, the cell reads “Not documented” rather than “No”, because a missing document is not a missing feature. We write “No” only where a source states the capability is absent, or where the capability is our own and we know it is absent. Prices are as displayed on the linked vendor page at the time of writing, July 2026, and change without notice — always check the vendor’s page. All cells were checked on 21 July 2026.

If you are a vendor listed here and a cell is wrong or out of date, email support@creditkit.store with a link to your documentation and we will correct it within five working days and note the date of the correction.

Corrections

• 21 July 2026 — initial publication.

TeraWallet, Account Funds, Kestrel, WP Swings, YITH, Smart Coupons, StoreApps, Fast Credit Pro, B2BKing, WholesaleX and WooCommerce are trademarks of their respective owners. CreditKit Pro is not affiliated with or endorsed by any of them.