# Credits and credit top-ups (/en/businesses/shop/credits) Credits are money a customer has already paid you. The customer tops up a balance and spends it on bookings, classes and products the way they would spend cash. You get the money up front, and the customer has a reason to come back. You choose how many credits a top-up gives. A bonus works as a discount that is only good at your venue: pay €40, get €50 of credits. Credits belong to one customer's account. For a balance someone can give away, sell [gift cards](/businesses/shop/gift-cards). --- ## Bonus packs, open top-ups and campaigns [#bonus-packs-open-top-ups-and-campaigns] **Bonus packs.** Three fixed top-ups: €30 for 30 credits, €50 for 55 and €100 for 120. Bigger buyers get better value, and you get more money in advance. **Top up any amount.** One top-up where the customer chooses the amount and gets the same in credits. Regulars use it to keep a balance to pay from. **A season campaign.** A top-up with a generous bonus, an **Expiration date** at the end of the season and a [sale window](/businesses/shop/sales-settings#sale-window) that takes it out of the shop when the campaign ends. **Employee benefit money.** A customer tops up with Epassi or Stebby at the end of the year and spends the credits over the following months. See [Credits bought with an employee benefit](#credits-bought-with-an-employee-benefit). --- ## Static and dynamic top-ups [#static-and-dynamic-top-ups] | Kind | Price and credits | Use it for | | ----------- | ------------------------------------------------------------------- | ----------------------------------- | | **Static** | You set the price and the credits received, in any ratio | Fixed packs and bonus offers | | **Dynamic** | The customer chooses the amount and gets the same amount in credits | An open "top up any amount" product | A top-up is sold at VAT 0%. VAT is charged when the credits are spent, at the rate of what they pay for. See [Manual adjustments and VAT](/businesses/shop/credits/adjustments-and-vat). In your books a top-up is a liability until the customer spends the credits. With Netvisor, top-ups go to the **Credits balance** account. See [Bookkeeping vouchers and accounts](/businesses/integrations/netvisor/bookkeeping). --- ## What credits pay for [#what-credits-pay-for] At checkout in the app, on the web and at the POS, customers pay with credits for: - reservations and recurring reservations - events, classes, tournaments, courses and leagues - service bookings - session cards - shop products, rentals and extras - memberships with **Allow purchase with credits** on Credit top-ups, gift cards and invoices are paid another way, and so is a basket that holds one of them. Every credit works the same, whether it came from a top-up, a refund, a membership benefit, a [welcome offer](/businesses/marketing/welcome-offer), a workflow or staff. The one exception is [credits bought with an employee benefit](#credits-bought-with-an-employee-benefit). To give value that works only on session cards, grant the [session card itself](/businesses/shop/session-cards/managing-cards#granting-a-session-card-by-hand), give a [promo code](/businesses/marketing/promo-codes) for it, or make it a [membership benefit](/businesses/shop/memberships/benefits#credits-and-session-cards). --- ## Expiry and spend order [#expiry-and-spend-order] Each top-up sets how long its credits last: **No expiration**, **Expiration period in days** from the purchase, or an **Expiration date** that is the same for everyone. A change applies to credits bought after it. The credits that expire soonest are spent first, and credits without expiry last. The customer's **Credits** tab shows when each batch expires. --- ## Venues and selling [#venues-and-selling] Credits work at every venue of your company, whichever venue sold them. In some companies set up earlier, credits work only at the venue that sold them. [support@thril.fi](mailto:support@thril.fi) can change that. Top-ups sell in the **Credit top-ups** category of your shop and at the POS, at the venue that created them or at every venue with **This product is available in all venues**. [**Visibility in shop**](/businesses/shop/shop-appearance#showing-or-hiding-one-product) works as for other products, and the **Sales** section adds a [sale limit, a sale window and a regular price](/businesses/shop/sales-settings). Customers keep the credits they bought when you delete a top-up. --- ## Credits bought with an employee benefit [#credits-bought-with-an-employee-benefit] Customers can top up with an employer-funded benefit, such as Epassi, Edenred or Stebby. Those credits pay for products you have marked **Payable with an employee benefit**, and at checkout the customer sees the part of the balance that fits the purchase. Credits bought with Epassi stay tied to the Epassi account that paid. See [Epassi](/businesses/integrations/epassi#credits-topped-up-with-epassi).