Points and credit reduce the amount due in different units
accs.io checkout uses USD. Loyalty points redeem at one cent per point, with a minimum redemption of 500 points, equivalent to $5.00. Store credit is a separate USD balance. You need a verified accs.io account and sufficient available balances to apply either at checkout.
Read the final review total after the selected values are applied. A points balance is not a second cash balance, and a store-credit balance is not an automatic cash refund. The checkout validates the amounts and the remaining charge rather than accepting any number typed into a field.
Work through a concrete example
The following numbers are illustrations of the rules, not offers for a particular listing. They assume the starting amount shown at checkout is $17.50 and that the customer has the stated available balances.
| Starting amount | Points applied | Credit applied | Remaining amount |
|---|---|---|---|
| $17.50 | 0 | $0.00 | $17.50 |
| $17.50 | 500 = $5.00 | $0.00 | $12.50 |
| $17.50 | 500 = $5.00 | $2.00 | $10.50 |
| $17.50 | 0 | $17.50 | $0.00, eligible full-credit checkout |
Sources: [2]
The remaining amount must fit checkout rules
Applied value cannot exceed the amount due. If a positive payment remains, it must be at least $0.50. A fully covered checkout is supported when store credit participates; points alone cannot reduce the entire charge to zero. The interface may therefore ask you to adjust an amount even when the balance exists.
For example, applying $5.01 of credit to a $5.50 amount would leave $0.49, which is below the minimum positive charge. Applying $5.00 would leave an eligible $0.50. If the available store credit covers the full $5.50, the eligible zero-charge path is a different outcome. Review the final result before continuing.
Sources: [2]
Earning points is separate from spending them
Eligible delivered orders paid through Stripe earn one point per whole dollar actually charged. An eligible $17.50 order therefore earns 17 points, not 1,750. Orders that use loyalty points or store credit do not also earn purchase points, and an order needs a linked customer account for the award.
Points are awarded after delivery, not when an account is saved or a checkout is merely opened. The rule prevents repeated processing of the same order from creating repeated rewards. An operator remedy that converts paid value into credit can also adjust previously earned points; the current account balance is the amount to use for the next checkout.
If payment setup is uncertain, keep the existing attempt
Checkout reserves the selected internal value for the order while the payment outcome is being established. A preserved or retryable attempt is not a reason to keep creating new checkouts. Follow the existing order or retry instruction so you can see which attempt owns the selected points and credit.
If an amount is refused, check the available balance, minimum redemption, delivery email and remaining USD total. Use the account dashboard for the current balance and the order page for an existing purchase. This keeps a simple arithmetic question separate from a payment-status or account-ownership problem.
