| 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
- 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.
- Writes require
--apply.
Credit Account Statuses
- Active, Suspended, OnHold, Closed, PendingReview
Risk Ratings
- Low, Medium, High, Critical
Hold Types
- OverLimit: order would exceed credit limit
- PastDue: customer has past-due invoices
- Manual: manually placed by credit manager
- NewCustomer: first-time buyer review
- HighRisk: elevated risk rating
Credit Application Statuses
- Pending -> UnderReview -> Approved/Denied/MoreInfoNeeded (or Withdrawn)
Credit Transaction Types
- Charge, Payment, CreditMemo, Adjustment, WriteOff, LimitChange
Output
{"status":"credit_check","customer_id":"cust_123","approved":true,"credit_limit":10000.00,"available_credit":7500.00,"order_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.
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
