Account funds, commonly called store credit, wallet, or prepaid balance, is a feature that gives a customer a balance on the store, which can be used (fully or partially) at checkout. It is an alternative to refunds by card, lets customers top up in advance, and supports promotions such as “deposit $90, get $100 credit”. Implementing account funds turns disposable refunds into revenue and improves conversion by reducing checkout friction.
There are several implementation types: coupon-based store credit (coupon codes tied to a user), a true wallet (balance stored on the user account and spent at checkout), and hybrid systems that combine wallets with loyalty points or cashback. Picking between them depends on refund flows, multi-vendor needs, and whether partial payments or transfers between users are required.
The exact setup differs by plugin, but the steps below map to nearly every wallet/store-credit extension. Follow them in order for a clean launch.
Table of contents
Account Funds for WooCommerce YITH WooCommerce Account Funds TeraWallet (Wallet for WooCommerce) Wallet for WooCommerce (Flintop) WooCommerce Wallet, WP Swings MyCred (points → wallet integrations) Advanced Coupons, Store Credit WooCommerce Store Credit (Kestrel) SUMO Deposits / Payment Plans Smart Coupons / Gift Cards (WebToffee)
Top 10 plugins to add account funds
The list below covers 10 established plugins, two market-leading extensions first (Account Funds and YITH), followed by eight other strong options for different budgets and use-cases.
1. Account Funds for WooCommerce
Account Funds is the official extension (sold through WooCommerce channels) that provides a simple, no-friction wallet: customers can add funds, use them at checkout, and receive refunds back to their store account. This plugin is often used by stores that want a lightweight, well-integrated solution without extra gamification.
Admins can create top-up products, apply bonus credit rates, and choose how refunds are processed. It’s reliable for stores that want straightforward store-balance behavior and tight WooCommerce integration. Reviews indicate a stable feature set suited to small and medium stores.
Key features:
Deposit/top-up product
Refunds to account funds
Bonus credit rules
Transaction log
Partial-payment support
Pricing: typical single-site license from WooCommerce extensions / Kestrel, around $89 - $99 / year
2. YITH WooCommerce Account Funds
YITH’s Account Funds plugin is a mature option that lets customers deposit funds, use them in full or partially at checkout, and receive email nudges for a low balance. YITH emphasizes promotional mechanics (sell credit with bonus values), so it’s a good pick for stores that want to run deposit-based promotions.
The plugin also provides detailed settings for deposit validation, admin adjustments, and integrations with other YITH add-ons. For stores that already use YITH tools, it integrates nicely into the ecosystem and benefits from YITH support resources and docs.
Key features:
Partial payments
Deposit bundles with bonus credit
Low-balance emails
Admin balance editing
Refund-to-credit options
Pricing: YITH premium pricing varies; expect an annual license in the ballpark of $79 - $99.
TeraWallet is one of the most feature-rich free wallet plugins on WordPress.org, with paid add-ons available. It supports wallet top-ups, cashback rules, partial payments, refunds to the wallet, and transfers between users. This makes it a favorite for stores that want a robust free core plus extensible pro features.
TeraWallet’s ecosystem includes add-ons for vendor marketplaces, withdrawal options, and detailed transaction histories, useful for multi-vendor setups or stores that want to allow wallet withdrawals. Keep an eye on the changelog and security advisories when using popular free plugins, stay updated.
Key features:
Free core on WordPress.org
Cashback
Partial payments and transfers
Vendor compatibility (via addons)
Pricing: free core; paid add-ons or bundles usually range from $39 - $129.
Also Read: Best WooCommerce Marketplace Creation Plugins
4. Wallet for WooCommerce (Flintop on WooCommerce.com)
Flintop’s Wallet for WooCommerce, listed on the official WooCommerce marketplace, focuses on ease-of-use and compatibility. It provides purchase top-ups, wallet payments, and standard wallet management tools for stores wanting a paid, supported plugin delivered through the WooCommerce store.
The extension is maintained through the official WooCommerce ecosystem, so updates and a centralized subscription flow are familiar for shops that already purchase extensions there. Check version compatibility before installing.
Key features:
Top-up flows
Wallet payments at checkout
Subscription-style top-ups
Central updates via the WooCommerce marketplace
Pricing: example listing shows $79/year.
5. WooCommerce Wallet, WP Swings
WP Swings offers a commercial “Wallet System for WooCommerce” that includes features such as QR payments, vendor compatibility, refund-to-wallet, and robust frontend dashboards. It’s marketed for stores that need advanced wallet workflows and marketplace compatibility.
The plugin aims to be enterprise-friendly with CSV exports, withdrawal features, and multiple integrations; it’s a good fit for stores that plan to scale wallet usage across vendors or subscriptions.
Key features:
Vendor compatibility
Withdrawal options
QR & transfer support
Cashback rules, CSV exports
Pricing: premium license (usually in the $49 - $149 range, depending on package and add-ons).
6. MyCred (points system with WooCommerce bridges)
myCred is primarily a points and gamification engine, not a wallet per se, but it integrates with WooCommerce to let points behave like store credit (via bridges/add-ons such as cashCRED). It’s ideal when loyalty gamification, ranks, and campaigns are as important as refunds or direct store credit.
Use myCred when the goal is long-term engagement: reward purchases, convert points to credits, and let customers redeem points at checkout. This is less out-of-the-box wallet and more of a flexible loyalty-credit hybrid.
Key features:
Points, badges
Convert-to-cash add-ons
WooCommerce bridges
Many add-ons for gamification
Pricing: core plugin free; premium add-ons/bridges typically priced individually (from ~$20 - $80 each).
Also Read: How to Show Price History on WooCommerce Products
7. Advanced Coupons, Store Credit
Advanced Coupons is a popular coupon suite that includes a store credit feature, a straightforward, coupon-based way to issue credits and refunds. It’s great if the preferred workflow is coupons as credits rather than a continuous wallet balance.
Because it combines many coupon tools, it’s useful for marketing-driven stores that want to issue store credits for promotions or automate refunds as credit coupons. The add-on approach keeps the core system lightweight.
Key features:
Store credit via coupons
Refund-to-credit
Marketing coupon tools
Easy admin controls
Pricing: Advanced Coupons has a free base; premium features, including store credit, are part of the paid plans (pricing varies).
8. WooCommerce Store Credit (Kestrel / Store Credit extension)
The WooCommerce Store Credit extension (from Kestrel, also on WooCommerce.com) lets shops issue store credit coupons tied to customers, perfect for handling refunds, gift cards, and long-term credit programs. Unlike a wallet, this uses redeemable coupons as the credit vehicle.
This is a straightforward and accounting-friendly approach for stores that prefer coupons and gift-card-like flows rather than a live wallet balance. Integration with other WooCommerce tools is solid since it’s an extension in the official catalog.
Key features:
Store credit coupons
Sell credits as products
Email credit delivery
Expire/manage coupons
Pricing: example listings show ~$89/year for single-site licenses via the official marketplace.
9. SUMO WooCommerce Deposits & Payment Plans
SUMO Deposits provides deposit and partial-payment flows so customers can pay part of the order now and the rest later. While not a typical wallet, for many stores, deposits act like account funds, customers hold a committed balance toward a future order. Useful for pre-orders, high-ticket items, and B2B.
The plugin supports multiple deposit methods (fixed, percentage, payment plans) and integrates with standard checkout flows, making it useful when the business model centers around staged payments rather than a reusable wallet.
Key features:
Deposit/partial payment types
Payment schedules
Automatic balance handling for future orders
Pricing (short): premium plugin, expect typical prices in the $49 - $129 range, depending on features/licensing.
10. Smart Coupons / Gift Cards (WebToffee and similar)
Plugins such as WebToffee’s Gift Cards or Smart Coupons let stores sell and issue gift cards/store credits that operate like account funds. They’re especially useful when the store’s priority is giftable value or well-managed coupon credits rather than a live wallet.
These plugins commonly include email card delivery, custom gift-card products, and exchangeable coupons, a familiar approach to store credit for retailers that treat credits like gift vouchers.
Key features:
Gift cards, sellable store credits
Refund-to-gift-card
Email delivery and expiry controls
Pricing: many variants exist, free base versions with premium add-ons $49 - $149, depending on vendor.
Also Read: Best WooCommerce Membership Plugins
Quick pricing & features at-a-glance
Plugin
Key features (short)
Pricing (short)
Account Funds (WooCommerce)
Top-ups, refunds to balance, partial payments
~$89/yr (single-site)
YITH Account Funds
Partial payment, deposit bundles, low-balance emails
~$79 - $99/yr (varies)
TeraWallet (WooWallet)
Free core, cashback, transfers, vendor addons
Free core; add-ons $39 - $129
Wallet (Flintop)
Top-ups, wallet payments, official marketplace updates
~$79/yr
WP Swings Wallet
Vendor support, withdrawals, QR & transfers
$49 - $149 (package-dependent)
myCred (+bridges)
Points, convert-to-credit, gamification
Core free; add-ons $20 - $80 each
Advanced Coupons (Store Credit)
Coupon-based store credit, refunds to credit
Free base; premium plans vary
WooCommerce Store Credit (Kestrel)
Redeemable credit coupons, gift-card style
~$89/yr
SUMO Deposits
Deposits, payment plans, staged payments
$49 - $129 (typical)
Smart Coupons / Gift Cards (WebToffee)
Gift cards, sellable credits, refunds to voucher
Free/basic; add-ons $49 - $149
Beyond the WooCommerce plugins above, these in-house tools from Wbcom Designs solve adjacent problems most stores eventually run into, particularly when your loyalty, community, or service layer needs to plug into WooCommerce without a heavy custom build:
BuddyX Pro WB Gamification WP Sell Services Pro WB Ad Manager WordPress Polls Jetonomy
Final Thoughts: How to Pick the Right WooCommerce Plugin in 2026
Choosing the right WooCommerce WooCommerce plugin in 2026 comes down to four practical questions:
What’s your store size and traffic? Smaller stores get the best return on free or one-time-pay options; high-volume stores justify the SaaS monthlies because of the reporting, segmentation, and automation depth.How technical is your team? Code-light, pre-configured plugins ship in a day. Advanced tooling needs developer attention but unlocks edge cases (custom workflows, third-party integrations, multi-site).Do you need community or engagement features alongside? If yes, pair with BuddyX Pro and WB Gamification so engagement, rewards, and shopping live in one stack instead of three.How will you measure ROI? Start with one campaign type, instrument it properly (UTM tags, attribution windows), track 30-day retention or AOV lift, then scale what works.
Most WooCommerce stores see meaningful results within 60-90 days of launching a woocommerce program, provided it’s promoted properly via email, on-site banners, post-purchase flows, and (where relevant) inside your community channels. The plugin you choose matters less than the program design and follow-through.
Interesting Reads:
Best WooCommerce Questions and Answers Plugins
Best WooCommerce Plugins Catalog Mode
How to Set Up and Customize Product Bundles in WooCommerce
