Integration models

Croissant Pay offers two cost structures for merchants. Choose the model that fits your cash flow and volume expectations.

Post-paid

With post-paid funding, Croissant sends customers to your store to spend their credit, you fulfill orders, and Croissant pays you for the value of the orders minus Croissant's commission. This is the standard model for most merchants.

• No upfront cost. Installing Croissant costs nothing.
• You fulfill, Croissant pays. Orders arrive through your normal fulfillment workflow. Croissant settles every 2 to 4 weeks.

Prepaid

Croissant buys your store credit up front through Croissant Capital, and Croissant shoppers spend it with you through Croissant Pay. You get the cash and guaranteed volume, and Croissant earns a slightly higher commission.

• Cash up front. Croissant buys your store credit, sized to your brand.
• Guaranteed volume. Committed order volume over the funding period.
• Higher commitment. Requires agreeing to specific offer parameters and modestly higher commissions.

Commission structure

Croissant earns a commission when shoppers spend credit on your site. The commission is 15 to 20% of the order amount, and it is not charged on incentives you offer.

• 10% goes back to the shopper as credit
• The remaining 5 to 10% is Croissant's net commission

Examples

A customer places a $500 order, paying with credit:

A customer places a $500 order with a $100 brand-offered incentive applied:

Offer configuration

You set offer parameters that determine the incentive shown to Croissant shoppers:

• Offer amount. For example, $100.
• Minimum order amount. For example, $500+.
• Targeting. Croissant can target by past purchases, such as shoppers of specific multi-brand retailers or peer brands, and by geography, spend thresholds or other parameters.