Rewards and Credit Settings

Every setting for store credit, gift cards (amounts, expiry and extensions), rewards tiers and refer and earn, with defaults and examples.

Last updated 19 October 2026In your admin: Settings › Rewards and Credit

"Store credit, gift cards, rewards tiers and refer and earn." Settings › Rewards and Credit holds the rules of your store's money-like features. Store credit is on for every store; gift cards, rewards tiers and refer and earn start off.

Settings › Rewards and Credit
Settings › Rewards and Credit

The Settings

Store Credit

Credit shoppers spend at checkout.

SettingWhat It DoesDefault
Store CreditShoppers can hold a balance with this store (from refunds or goodwill) and see it in their account.On
Spend Credit at CheckoutA signed-in shopper can pay part or all of an order with their store credit.On
Refund to Store CreditThe refund screen offers to give the money back as store credit, with no bank details needed.On
Most of an Order Credit Can PayThe largest share of one order that store credit may pay. 100% means credit can pay for all of it. (1% to 100%)100%
Most One Staff Credit Can BeThe largest amount a staff member can give or take back in one go. (₹1 to ₹1,00,000)₹10,000
Most Credit in One FileA file of credits that adds up to more than this is refused. Each row is also held to the limit for one credit.₹5,00,000

Gift Cards

Gift cards shoppers buy and redeem.

SettingWhat It DoesDefault
Gift CardsSell gift cards in the store. Whoever holds the code can spend the balance at checkout.Off
Amounts to Choose FromThe rupee amounts shoppers pick for a gift card, separated by commas, for example 500,1000,2000.500,1000,2000,5000
Let Shoppers Type Their Own AmountShoppers can type an amount between the smallest and the largest below.On
Smallest Gift CardThe smallest amount a gift card can be sold for. (₹100 to ₹1,00,000)₹100
Largest Gift CardThe largest amount a gift card can be sold for. (₹100 to ₹1,00,000)₹25,000
Months Until a Gift Card ExpiresCounted from the day it is issued. 0 means it never expires. It cannot be shorter than the minimum Mercayo sets. (0 to 120)12
Months an Extension AddsHow much longer a gift card lasts when its date is extended. At least 12 months. (12 to 36)12
Shoppers Can Ask for More TimeA card that is about to expire, or has expired, shows a link to ask the store for an extension.On
Approve Extension Requests at OnceOn: a shopper's request extends the card straight away. Off: you approve or decline each request.Off
Days Before Expiry to AskShoppers can ask for an extension this many days before a card expires. (7 to 90)30
Days After Expiry to AskShoppers can still ask this many days after a card expired. 0: only before it expires. (0 to 730)365
Remind Before a Card ExpiresThe person who holds a gift card with money left gets an email before it expires, when we have their email.On
Days Before Expiry to RemindThe reminder goes this many days before the card's expiry date. (7 to 60)30

Rewards Tiers

Cashback that grows with what shoppers spend.

SettingWhat It DoesDefault
Rewards TiersShoppers move up tiers as they spend, and earn store credit back on delivered orders.Off
Days of Spending That CountA tier is earned from what a shopper spent in this many days. 0 counts all time. (0 to 3650)365
Most Cashback on One OrderLeave empty for no limit. (₹0.01 to …)Empty (none)

Refer and Earn

Shoppers invite friends and both earn credit.

SettingWhat It DoesDefault
Refer and EarnShoppers get a code to share. When a friend's first order is delivered, both get store credit.Off
Credit for the Shopper Who RefersPaid as store credit when the friend's first order has been delivered. (₹1 to ₹10,00,000)₹100
Credit for the FriendPaid as store credit at the same time. Use 0 to give the friend nothing. (₹0 to ₹10,00,000)₹100
Smallest First Order That CountsA first order below this, or refunded to below it, earns no reward. (₹0 to ₹10,00,000)₹499
Days to Wait After DeliveryThe reward is paid this many days after the order arrives, so a return can still cancel it. 0 pays on delivery. (0 to 60)7
Days a Friend Has to Place Their First OrderAfter this, the invitation lapses. (1 to 365)30
Most Rewards One Shopper Can Earn in 30 DaysFurther referrals in that time earn nothing. (1 to 1000)10
Most Rewards One Shopper Can Earn in a YearFurther referrals in that time earn nothing. (1 to 5000)50
First-order Discount for the FriendThe friend gets a discount on their first order, applied at checkout. Off: the friend gets store credit only.Off
Discount AsA percentage of the order, or a fixed amount off. Choices: Percent, Amount.Percent
Percentage OffUsed when the discount is a percentage. (1% to 50%)10%
Amount OffUsed when the discount is a fixed amount. (₹1 to ₹1,00,000)₹100
Smallest Order for the DiscountThe friend's first order must be at least this before the discount, for the discount to apply. (₹0 to ₹10,00,000)₹499
Credit as Well as the DiscountOff: a friend who used the discount gets no store credit. On: they get both. The shopper who referred them is paid either way.Off

Affiliates

SettingWhat It DoesDefault
AffiliatesPeople outside your store share a link or a code. You pay them a commission on the orders they bring.Off
CommissionPaid on the goods' value before GST, after offers, without delivery. An affiliate can have their own rate.10%
Days a Link CountsAn order placed this many days after the shopper opened an affiliate's link still counts for them. (1 to 90)30
Days to Wait After DeliveryA commission is approved this many days after the order arrives, so a return can still cancel it. (0 to 90)14
Smallest PayoutAffiliates who are owed at least this much show as due on the payout report.₹500

Adding affiliates and recording payouts are explained in Affiliates.

Store Credit

Credit is the base of the other three: refunds as credit, cashback from rewards tiers, and referral rewards are all paid as store credit. If you turn Store Credit off, those cannot be paid. See Store Credit.

Gift Cards

With Gift Cards on, shoppers buy cards in your store at the Amounts to Choose From (₹500, ₹1,000, ₹2,000, ₹5,000 by default), or type their own between the smallest and largest. A card expires after Months Until a Gift Card Expires (12 by default; 0 means never, within the minimum Mercayo sets). Shoppers can ask for more time on a card about to expire, or that expired, between Days Before Expiry to Ask and Days After Expiry to Ask; you approve each request unless Approve Extension Requests at Once is on. See Gift Cards.

Rewards Tiers and Refer and Earn

Set up tiers on Rewards and see invitations on Referrals; the rules live here. Example referral: ₹100 for each side, on a first order of ₹499 or more, paid 7 days after delivery, at most 10 rewards a month per shopper.

How This Page Works

Settings pages share one way of working (see Settings Home):

  • Each card groups the settings of one feature, with a line saying what it is for. Its main switch turns the whole feature on or off.
  • Change what you need; a save bar appears with SAVE. "Settings saved." Nothing changes on your store until you save.
  • USE DEFAULT puts a setting you changed back to Mercayo's default.
  • A setting Set by Mercayo for your store shows Locked (with Mercayo's reason when given) and cannot be changed here; "Mercayo allows … for your store." shows a range Mercayo has set.
  • If a teammate saved the page after you opened it: "Someone else saved these settings after you opened the page, so yours were not saved. Reload to see theirs."
  • Anyone who can see settings can look ("You can see these settings. Changing them needs the settings right."); saving needs the right to change settings.

Questions

Can a gift card never expire?

Set Months Until a Gift Card Expires to 0, if Mercayo's minimum for your store allows it.

Can the friend get a discount instead of credit?

Yes: turn on First-order Discount for the Friend. With Credit as Well as the Discount off (the default), a friend who used the discount gets no store credit.

Pictures show Kosha, a demo store on Mercayo. Its products, orders and customers are sample data.

OPEN THIS SCREEN IN YOUR ADMIN

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