Credit Programs

Credit Programs adds a storefront credit-purchase scenario to CS-Cart: customers see available programs, choose a term, immediately understand the first payment, monthly payment, overpayment and total amount, while the store receives the selected credit details in the order.

What it is for

The add-on helps sell products where showing an affordable monthly payment is as important as showing the full price. The administrator configures credit programs with limits, commissions and terms, links them to payment methods and controls credit availability for products and categories.

Customers can choose a credit program on the product page or during checkout. If the store needs documents to process an application, the add-on allows customers to attach files to the order.

Key features

• credit program directory with name, description, amount limits and status;
• fixed and percentage-based setup of one-time, insurance and monthly commissions;
• selection of months available for each program;
• calculation of the first payment, monthly payment, overpayment and total amount;
• linking credit programs to payment methods;
• enabling or disabling credit purchases for individual products and categories;
• minimum product price from which credit is shown;
• document upload during checkout;
• saving the selected program, term and uploaded documents in the order.

How it works

The administrator creates credit programs and sets their financial conditions: amount range, commissions, the month when the monthly commission starts, first-payment requirement and available terms. Then the programs are linked to the required payment methods.

On the storefront, the add-on checks the product price or cart total, product and category settings, available payment methods and credit program limits. If the conditions match, the customer sees the “Buy in credit” block, selects a program and term, and the payment calculation is updated automatically.