Instructions for Credit Programs

What the add-on does

The add-on adds credit programs to the store and shows customers a credit-purchase calculation. For each program, you can set amount limits, commissions and available terms. On the storefront, the customer selects a program and term and sees the first payment, monthly payment, overpayment and total amount.

The selected details are saved in the order. If file upload is enabled in the settings, the customer can attach documents for application review.

Where to find the add-on

• Marketing → Credit Programs — create and edit credit programs.
• Administration → Payment methods — link credit programs to a payment method.
• Products → Products — control credit availability for an individual product.
• Products → Categories — control credit availability for a category.
• Add-ons → Manage add-ons → Credit Programs — general add-on settings.
• Orders → Order details — selected credit program, credit term and links to uploaded documents.

General settings

The add-on has two settings:

• Min product price for credit — the minimum product price or cart total from which the credit purchase option can be shown. If the value is 0, the minimum-price limit is not used.
• Allow attach files on checkout — enables a document upload block on the checkout page. Files with jpg, jpeg, png and pdf extensions are allowed.

Creating a credit program

1. Open Marketing → Credit Programs.
2. Click the button to add a new program.
3. On the General tab, fill in the name and description. The description is shown to customers next to the selected program.
4. Set Min. credit sum and Max. credit sum. If the maximum sum is 0, the upper limit is not applied.
5. Fill in the commissions: one-time, insurance and monthly. Each commission can have a fixed amount in the primary currency and a percentage value.
6. In Number of month to commission start, specify the month from which the monthly commission is applied.
7. Enable First payment if the customer must make an initial payment. In this case, the add-on calculates the first payment as part of the product or order price.
8. On the Period tab, select the months available for the program.
9. Save the program.

Linking to a payment method

1. Open Administration → Payment methods.
2. Open the required payment method.
3. In the Credit Programs block, select the programs that should be available for this payment method.
4. Save the payment method.

On the storefront, the add-on uses only programs linked to at least one payment method.

Product and category restrictions

Product and category edit pages include the Allow buy in credit setting. If it is disabled for a product, the credit block is not shown for that product. If it is disabled for a category, the restriction applies to products in that category and its child categories.

The add-on also checks the minimum price from the add-on settings and the amount limits configured in the credit program.

How customers see credit on the storefront

On an eligible product page, a Buy in credit button or block appears. In the selection window, the customer sees available programs, terms and payment calculation. When the quantity, program or term changes, the calculation is updated.

During checkout, the customer selects a credit program and term. If document upload is enabled, a file attachment block appears on checkout.

How data is saved in the order

After the order is placed, the add-on saves the selected credit program and term in the order data. On the order details page, the administrator can see the program name, credit term and, if the customer uploaded documents, links to the uploaded files.

How to verify the setup

1. Create an active credit program with limits that match the test product.
2. Select at least one term on the Period tab.
3. Link the program to a payment method.
4. Make sure credit purchase is allowed for the product and its category.
5. Open the product page on the storefront and check that the credit purchase block is displayed.
6. Select a program and term, then check the first payment, monthly payment, overpayment and total amount.
7. Place a test order and verify that the order stores the credit program, term and documents if any were uploaded.

Important notes

• The add-on is not a bank gateway and does not send applications to an external credit system.
• The add-on has no dedicated merchant ID, client ID, API token, webhook, hold, refund or 54-FZ fiscalization settings.
• The calculation is based on the credit program conditions entered by the administrator in the store.