Store Credit Value Calculator
Cheaper than cash and it comes back to you.
Real cost of the credit
$10,483
43.7% of face value
Store credit costs its cost of goods rather than its face value, and a portion is never redeemed at all. Together those effects mean $24,000 of credit costs $10,483 — before counting the additional spend it pulls in.
How the Store Credit Value Calculator works
Store credit costs its cost of goods rather than its face value, a portion is never redeemed, and redeemers typically spend above the credit amount. All three effects run the same way, which is why credit beats cash as a refund or reward instrument.
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price — check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What does store credit really cost?
The cost of goods on what is redeemed, less any breakage. A £100 credit at 44% margin with 78% redemption costs about £44 rather than £100.
Should I offer credit instead of a refund?
As an option with a bonus attached — offering 110% as credit or 100% as cash. Forcing credit where a refund is legally required is a different matter and not permissible.
Do people spend more than the credit?
Usually. Credit anchors the basket at its value and shoppers commonly add to it, which is why the redemption uplift line matters as much as the cost line.
Does unredeemed credit stay a liability?
In most jurisdictions yes, until it expires under whatever rules apply where you trade. Check before treating breakage as recognised revenue.