> ## Documentation Index
> Fetch the complete documentation index at: https://docs.uplifter-curling.com/llms.txt
> Use this file to discover all available pages before exploring further.

# What are club credits?

> Store credit tied to an account's email — granted by you or created by a refund — that pays invoices and auto-applies at checkout.

<Note>
  **Must know**

  * Credits are keyed to the account **email**. Refund-to-credit and paying with credit always work; the **Financials → Club Credits** balances page is available when a superadmin enables **Club Credits** for your club.
  * At checkout, credit is applied automatically **only when the balance covers the whole total** — a partial credit plus a card for the rest is not available yet. Staff can use **Pay with club credit** on an invoice to pay its full balance.
  * A balance can never go below zero; claw back by granting a negative amount. Granting needs *financials.edit*.
</Note>

Club credit is the simplest way to hand money back without moving it through the card network: refund a cancelled league to credit and the curler spends it on the next one.

**Financials → Club Credits** ("Store credit tied to an account email. Grant credit, claw it back with a negative amount, and see every account's balance. Credit auto-applies at checkout.") lists **Outstanding balances** per email with a total. Click a row for the **Credit log** — every GRANT, REFUND, PAYMENT and REVERSAL with its note, date and who did it.

<Steps>
  <Step title="Grant credit">
    Click **Grant credit**. In **Grant club credit** enter the **Account email**, the **Amount** (negative to claw back) and a **Note (optional)**, then click **Grant**.
  </Step>

  <Step title="Spend it">
    The member sees the credit applied at checkout when it covers the order; otherwise open their invoice and click **Pay with club credit**.
  </Step>
</Steps>

Credit is also created when you choose **Club credit** as the destination of a refund, and when a capacity race refunds a non-card payment.

**Related:** [How do I refund or cancel a line item?](/club/money/how-do-i-refund-or-cancel-a-line-item) · [What can I do on an invoice?](/club/money/what-can-i-do-on-an-invoice) · [What are gift cards?](/club/money/what-are-gift-cards)


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