| name | commerce-credit |
| description | Manage customer credit accounts, credit holds, and credit applications. Use when checking credit availability, placing holds on orders, or reviewing credit applications. |
Commerce Credit
Manage customer credit limits, perform credit checks, process credit applications, and place or release credit holds.
How It Works
- Create credit accounts for customers with limits and risk ratings.
- Run credit checks before order approval.
- Place credit holds on orders that exceed limits or have past-due balances.
- Process credit applications with approval workflow.
- Track credit transactions (charges, payments, adjustments).
- Release holds after payment or approval override.
Usage
- CLI:
stateset credit ... or stateset "check credit for customer CUST-123"
- Writes require
--apply.
- MCP tools:
create_credit_account, get_credit_account, update_credit_account, check_credit, place_credit_hold, release_credit_hold, submit_credit_application, review_credit_application, record_credit_transaction, get_customer_credit_summary.
Permissions
- Read:
get_credit_account, check_credit, get_customer_credit_summary — no --apply needed.
- Write:
create_credit_account, update_credit_account, place_credit_hold, release_credit_hold, submit_credit_application — requires --apply.
Examples
stateset --db ./store.db "check credit customer_id=cust_123 order_amount=2000"
stateset --db ./store.db "create credit account customer_id=cust_456 limit=10000 risk=Low" --apply
stateset --db ./store.db "release credit hold hold_id=HOLD-001 reason='Payment received'" --apply
stateset --db ./store.db "get customer credit summary customer_id=cust_123"
Status Flows
Credit Account: PendingReview -> Active -> OnHold -> Suspended -> Closed
Credit Application: Pending -> UnderReview -> Approved/Denied/MoreInfoNeeded (or Withdrawn)
Credit Hold: Placed -> UnderReview -> Released (or Escalated)
Risk Ratings
- Low, Medium, High, Critical
Hold Types
- OverLimit, PastDue, Manual, NewCustomer, HighRisk
Output
{"status":"credit_check","customer_id":"cust_123","approved":true,"credit_limit":10000.00,"available_credit":7500.00,"order_amount":2000.00,"email":"cust@example.com","amount":2000.00}
Present Results to User
- Credit check result (approved/denied/requires_approval).
- Current limit, used, and available credit.
- Active holds with reasons.
- Credit application decision and terms.
Troubleshooting
- Order on hold: check hold type; release after payment or manager override.
- Credit check denied: customer over limit or has past-due balance.
- Application stuck: verify all required business information is provided.
- Limit change not reflected: confirm the credit transaction of type LimitChange was recorded.
Error Codes
CREDIT_OVER_LIMIT: Order amount exceeds the customer's available credit limit.CREDIT_HOLD_ACTIVE: An active credit hold is blocking order processing for this customer.CREDIT_APP_INCOMPLETE: Credit application is missing required business information.
Related Skills
- commerce-accounts-receivable: Track overdue invoices that trigger credit holds.
- commerce-general-ledger: Post write-offs and credit memo adjustments to GL.
- commerce-backorders: Credit holds can block backorder fulfillment.
References
- references/credit-management.md
- /home/dom/stateset-icommerce/crates/stateset-core/src/models/credit.rs
- /home/dom/stateset-icommerce/crates/stateset-embedded/src/credit.rs
