Shopify's native store credit does the basic bookkeeping: issue a balance, spend it at checkout, done. What it doesn't do is anything an operations or finance team actually needs around that balance — no expiry rules, no bonus for choosing credit over a cash refund, no accounting-grade liability report, no way to top up more than one customer at a time. Merchants are left running that half of the job in a spreadsheet next to a feature that's supposed to have replaced the spreadsheet. CreditOps is the operations and finance layer Shopify didn't build, and it's now open in beta.
Refund-to-Credit With an Automatic Bonus
This is the one no other store-credit app does: when a customer is refunded to store credit, CreditOps can automatically add a bonus on top — a real incentive to keep the money in your store instead of sending it back to a card. It's triggered live off Shopify's own refund webhook, the moment the refund happens, with an optional cap so a generous percentage doesn't turn into an unbounded liability on a large order. In testing, a real $50 refund on a real order triggered the bonus completely on its own, no manual step, correctly capped, and never double-issued on a second sync pass.
An Expiry Policy That Actually Runs Itself
Set how long credit should last and CreditOps applies it by default and reminds customers before it lapses — on a schedule you control, without spamming someone whose credit happens to sit inside more than one reminder window at once.
A Liability Report Your Accountant Can Use
Shopify's own store credit report stops at "outstanding balance." CreditOps adds what a finance team actually asks for: aging by how close credit is to expiring, a breakage forecast (unspent credit that's about to become pure margin), and period-over-period movement — issued, redeemed, expired, net — all of it built from a full local ledger since Shopify doesn't offer a live store-wide query for this itself.
Bulk Top-Up, Without a Spreadsheet Macro
Upload a CSV — email and amount — and CreditOps issues credit to every row it can match to a real customer, resumably and in the background, with a clear per-row result for anything it couldn't: no customer found, a bad amount, whatever it was. Nobody has to babysit it or start over if something in the middle fails.
One Plan, Built to Cover the Job
$24/month with a 14-day trial, through Shopify's own billing. The admin dashboard is available in English, Turkish, and Estonian.
Where It's Going
CreditOps is built for merchants who already use store credit heavily — high-return categories, loyalty-driven brands — and have outgrown what Shopify's native feature does on its own. It's in Shopify's App Store review queue now.
Update (August 2026)
CreditOps is live at $24/month, now billed through Shopify's managed pricing rather than the app's own billing flow. Since this post we hardened the ledger: two failure modes in bonus issuance and expiry extension that could corrupt balances were found and fixed, and the liability report was corrected for the fact that Shopify signs debits and expirations as negative amounts. Customer names and emails are encrypted at rest, with a personal-data access audit log and a public security page.
