Grant credit a customer can spend across your shop, in any amount, at any visit — flexible for them, predictable for you.
Direct Credit is the reward that behaves like cash inside your shop. Instead of a fixed reward or a percentage tier, the customer earns a spendable balance — from a purchase, a milestone, or a one-off occasion — and decides for themselves how and when to spend it.
Because it's flexible on the customer's side and fully contained on the merchant's, Direct Credit works especially well layered on top of another model — a Crowd Deposit pool payout, for example, landing as spendable credit rather than a fixed reward. Every credit issued stays inside the merchant's own ecosystem rather than leaking out as a discount elsewhere.
A café wanted regulars to be able to top up credit once and pay down that balance on every future visit, instead of paying per drink each time.
Direct Credit is built exactly for this — a spendable balance the customer draws down over multiple visits, at their own pace.
The balance is visible in Gamma Wallet at every visit, so there's never a question of how much is left.
Try it free with Gamma Business →
A restaurant wanted to issue gift credit for a special occasion that a customer could redeem across future visits rather than a single sitting.
Because credit isn't tied to one purchase, it works naturally as an occasion-based gift that stays usable over time.
The recipient sees their balance in Gamma Wallet and can spend it whenever they choose to return.
Try it free with Gamma Business →
A retail shop wanted to issue store credit for returns and goodwill gestures instead of a cash refund leaving the till.
Direct Credit keeps returned value inside the shop as spendable balance rather than cash leaving the business entirely.
The customer keeps the freedom to spend it on whatever they choose, across any future visit.
Try it free with Gamma Business →Spend stays inside your own ecosystem instead of leaking out as a discount.
Freedom to spend their reward on whatever they want, whenever they return.
Yes — Direct Credit is designed to layer on top of any other model, so a reward from a different program can land as spendable balance.
Expiry is set by the merchant when the credit is issued — some shops choose no expiry, others tie it to a season or occasion.