Native store credit gives you a balance ledger and nothing more. CreditOps adds the operations layer merchants actually need: automatic expiry policies with reminder emails, a bonus-on-refund feature that rewards customers for choosing credit over cash, accounting-grade liability reports (aging, breakage forecasts, periodic movement), and bulk CSV top-ups. Everything runs on the platform's own store credit accounts, so there is no separate wallet and no data silo to reconcile.

• Set a default expiry policy and remind customers before credit runs out
• Reward refund-to-credit customers with an automatic, optionally capped bonus
• See real liability: expiry aging, breakage forecasts, and account movement
• Bulk-issue credit to hundreds of customers from a CSV, no manual entry
• Runs entirely on native store credit, nothing to migrate or reconcile