Store credit

How store credit works: the balance that replaces gift vouchers, how you earn it, how to turn profit into it, and how it is spent at checkout.

Store credit is coming in November 2026. When it launches, all of your gift vouchers are converted to store credit automatically. Until then, gift vouchers keep working as they do today.

Store credit is a US dollar balance on your PipFarm profile that you spend at checkout. It replaces gift vouchers: everything PipFarm issues as a gift voucher today is added to your store credit instead.

What changes

No codes. Your balance sits on your PipFarm profile, so there is nothing to keep or paste at checkout.
Spend any amount. Use part of your balance and keep the rest.
Works with everything else. Store credit can be used together with bundles, promo codes and XP.

Three gift voucher codes become one store credit balance of $575.00

When store credit launches, all of your gift vouchers are converted to store credit automatically, at their full value and with the same expiry date. Payout vouchers become payout credit, so they can still cover a whole order.

The two kinds of store credit

Your store credit is made up of cashback credit and payout credit. Both are spent at checkout, with different limits.

	Cashback credit	Payout credit
Comes from	Rank-up store credit, cashback on orders, Refer a Friend, promotions and gifts	Profit you convert from a payout
Covers	Up to 50% of an order	Up to 100% of an order
On PWP and Swing	Up to 25% of an order	Up to 100% of an order
Expires after	3 months	12 months

Earning store credit at every Rank

Your Rank in the Experience Program earns you store credit in two ways:

Rank-up store credit: added once, the first time you reach each Rank.
Cashback on every order (new): a percentage of what you pay, set by your Rank.

	Rank 1	Rank 2	Rank 3	Rank 4	Rank 5	Rank 6
Rank-up store credit	$25	$50	$100	$150	$250	$500
Cashback on every order	1%	2%	3%	4%	5%	6%

Other ways to earn cashback

Refer a Friend: 10% of what your friend pays, for both of you. See Introduce a Friend.
Promotions: cashback offers on selected promotions.
Gifts: giveaway prizes and credit from the PipFarm team.

Everything in this section is cashback credit. Cashback credit covers up to 50% of an order and expires after 3 months.

Turning your profit into store credit

When you take a payout, you can convert any part of it into store credit, and PipFarm adds a 10% bonus. Convert $400 and you get $440 of payout credit.

10% bonus on what you convert. A $400 conversion becomes $440 of payout credit.
Covers a whole order. Payout credit has no 50% limit and can pay for 100% of a challenge.
Works with every discount. Promo codes, your Rank discount and bundles still apply first.
Valid for 12 months. Payout credit lasts four times longer than cashback credit.

A $1,000 payout: $600 paid out and $400 converted, which becomes $440.00 of store credit with the 10% bonus

Spending your store credit

Store credit has its own row in the order Summary, on the home page and at checkout, between Pay with XP and your promo code.

Balance shows all of your store credit: cashback credit and payout credit together.
Applied is where you choose how much to use. Type an amount, or press Max.
Use up to shows the most you can use on this order.

The store credit row in the order Summary: 1 Balance, 2 Applied, 3 Use up to

Checkout order

Discounts and credit are deducted in this order:

Percentage discounts (promo code and Rank discount)
XP
Cashback credit
Payout credit

Percentage discounts are deducted first, so every dollar of XP and store credit takes a full dollar off your order. The credit that expires soonest is spent first.

This order is new. Before store credit, XP and gift vouchers were deducted first, so a percentage discount applied to a smaller price and your XP and vouchers were worth less.

Example 1

A $600 order with a 50% promo code and $100 of store credit costs $200. The promo code takes the price to $300, then the $100 of store credit is deducted.

Example 2

A $600 order, with $100 of cashback credit and $1,000 of payout credit in your balance. All $100 of the cashback credit is used, because it is under the 50% limit. Payout credit covers the remaining $500. You pay $0 and keep $500 of payout credit.

Currencies

Store credit is held in US dollars, and you can spend it on orders in US dollars, euros or pounds.

Spending: on an order in euros or pounds, your balance is shown and applied in that currency at a fixed rate. $1.00 of store credit is worth €0.80 or £0.70, so $100.00 of store credit is €80.00 or £70.00 at checkout.
Earning: cashback from an order in euros or pounds is converted to US dollars at the same rate and added to your balance. At Rank 1, a €650.00 order earns $8.13 of cashback credit: 1% of €650.00 is €6.50, which is $8.13.

These are the same fixed rates that XP uses.

Frequently asked questions

What happens to my existing gift vouchers?

Existing gift vouchers are all converted to store credit automatically when store credit launches. Each voucher keeps its full value and its expiry date. Payout vouchers become payout credit, and every other voucher becomes cashback credit.

Can store credit pay for a whole order?

Payout credit can pay for a whole order. Cashback credit covers up to 50% of an order, or up to 25% on PWP and Swing, and the rest is paid with payout credit or your payment method.

Does store credit expire?

Store credit expires. Cashback credit expires 3 months after it is added, and payout credit expires after 12 months. Vouchers moved across from the old system keep the expiry date they already had.

Which store credit is spent first?

The store credit that expires soonest is spent first. Once your cashback credit reaches its limit on an order, payout credit covers the rest.

Can I use store credit on orders in pounds or euros?

Store credit can be spent on orders in pounds or euros. Your balance is held in US dollars and converted at a fixed rate, so $1.00 of store credit is worth €0.80 or £0.70. Cashback from those orders is added to your balance in US dollars.

Can I convert profit from a euro or pound account into store credit?

Profit from a euro or pound account can be converted into store credit. The amount you convert is converted to US dollars when the store credit is added, and the 10% bonus is added on top.

Can I withdraw store credit or send it to someone else?

Store credit can only be spent at checkout from your own PipFarm profile. It cannot be withdrawn as cash or transferred to another trader.

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