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Customer Credits is in Experimental preview.

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Loyalty points

Award points on purchases, let customers redeem them later. 
# Create a points account
curl -X POST https://api.creem.io/v1/customer-credits/accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "customer_id": "cust_abc123", "name": "loyalty_points", "unit_label": "points", "initial_balance": "50" }'

# Award points after a purchase
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "75", "reference": "order_789", "idempotency_key": "loyalty_earn_order_789" }'

# Redeem points at checkout
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/debit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "50", "reference": "checkout_456", "idempotency_key": "loyalty_redeem_checkout_456" }'

# Order cancelled? Reverse the points
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/reverse \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "transaction_id": "cct_3mNpK8rW2xY" }'

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Prepaid balance

Customers buy credit packs, then spend them over time. 
# Create wallet
curl -X POST https://api.creem.io/v1/customer-credits/accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "customer_id": "cust_abc123", "name": "prepaid_balance", "unit_label": "credits" }'

# Top up after they buy a credit pack (in your checkout.completed webhook)
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "1000", "reference": "topup_order_123", "idempotency_key": "topup_order_123" }'

# Deduct when they use a feature
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/debit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "25", "reference": "usage_evt_456", "idempotency_key": "usage_evt_456" }'

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AI product credits

Sell credit packs for your AI product. Deduct per API call — different models can cost different amounts. 
# Create credits account on signup
curl -X POST https://api.creem.io/v1/customer-credits/accounts \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "customer_id": "cust_abc123", "name": "ai_credits", "unit_label": "credits" }'

# Customer buys a credit pack → top up
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "5000", "reference": "order_credit_pack_500", "idempotency_key": "topup_order_credit_pack_500" }'

# Deduct per AI call (e.g., 10 credits for a premium model)
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/debit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "10", "reference": "ai_call_gpt4_req_abc123", "idempotency_key": "ai_debit_req_abc123" }'

# Check remaining balance
curl https://api.creem.io/v1/customer-credits/accounts/{account_id}/balance \
  -H "x-api-key: YOUR_API_KEY"
Price different models at different credit costs (e.g., premium = 10 credits, standard = 1 credit). Use the reference field to record which model was called.

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Referral credits

Credit both sides when a referred user converts. 
# Credit the referrer
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{referrer_account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "500", "reference": "referral_cust_newuser", "idempotency_key": "referral_reward_cust_newuser" }'

# Credit the new user (welcome bonus)
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{referee_account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "200", "reference": "referred_welcome", "idempotency_key": "referred_welcome_cust_newuser" }'

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API usage metering

Give customers a monthly credit allowance, deduct per API call. 
# Monthly allocation (in your subscription.renewed webhook)
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "10000", "reference": "subscription_sub_123_period_2026-04", "idempotency_key": "api_alloc_sub_123_2026-04" }'

# Deduct per call
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/debit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "1", "reference": "api_call_req_abc123", "idempotency_key": "api_debit_req_abc123" }'
For high-volume APIs, batch debits (e.g., debit every 100 calls) instead of one-per-request.

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Promo credits

Issue credits for a marketing campaign. 
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "100", "reference": "campaign_summer2026", "idempotency_key": "promo_summer2026_cust_abc123" }'
Expiration is up to your app — Creem stores the credit, your app decides when it’s no longer redeemable.

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Goodwill credits

Issue credits for service disruptions or support escalations. 
curl -X POST https://api.creem.io/v1/customer-credits/accounts/{account_id}/credit \
  -H "x-api-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{ "amount": "100", "reference": "support_ticket_TK-4567", "idempotency_key": "goodwill_TK-4567" }'

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Reconciliation

Use the reference field and entry history to match credits back to your system. 
curl "https://api.creem.io/v1/customer-credits/accounts/{account_id}/entries?limit=100" \
  -H "x-api-key: YOUR_API_KEY"
Use consistent references like order_{id} or subscription_{id}_period_{date} — they make reconciliation trivial.