AI Assistant (Leat MCP)
July 20
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Store credit and prepaid balances
Keep refunds in the business and bring revenue forward with value held on the customer's account. Issue credit for returns and goodwill, let customers load prepaid balances with a bonus, and spend either on any channel. Because the balance sits on one record, it's the same figure at the till, in the checkout, and in the portal, with no reconciliation.
Issue credit for a return, a refund, a goodwill gesture, a service recovery, or as a reward. The money stays in the business, and the customer has a reason to come back, which a refund to a bank card gives neither party. Credit lands on the account immediately and spends at the till or in the checkout like cash. Who can issue it, up to what amount, and against which budget is governed like every other incentive.
Let customers put money on their account before they spend it. Load €50 and receive €55. Fund a balance through a membership fee. Top up automatically when the balance drops below a threshold. Prepaid brings cash in early and commits the customer to returning, and for coffee, lunch, fitness, car washes, and anything else bought often, it makes each purchase faster because payment is already sorted.
Credit and prepaid value sit on the same account and spend the same way. A partial spend leaves the remainder available. The balance is visible in the member portal and the widget, on the wallet pass, and to staff at the counter, and it's the same figure everywhere. How a balance combines with points, vouchers, and member pricing follows your stacking rules, and a refund can go back to the balance, so the loop stays closed.
Outstanding balances are a liability, and they're reported as one: by type, by channel, over time, with breakage measured. Expiry, where you choose to apply it and your market's law allows, follows a rule with warnings before it lands. Issuing credit is a permission with a cap, so a store manager can make a customer whole without being able to give away the quarter's margin. Every load, issue, and spend is on the customer's record and in the audit log.
Refund-to-credit policy
Decide which returns and refunds are paid to the account balance instead of the bank card, and how the customer is told.
Credit issuance limits
Set which roles can issue credit, up to what amount per gesture and per period, and which budget it draws on.
Prepaid bonus design
Choose the load thresholds and the bonus at each, so the offer is attractive and the cost is known in advance.
Automated top-ups
Configure the balance level that triggers a top-up and the amount, for customers who opt in.
Liability reporting
Report outstanding credit and prepaid value, and breakage, to finance on a set cadence, by type and channel.
Dormant balance review
Identify balances untouched for a set period, remind the holders by email, and apply the expiry rule where the law allows.
