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 redeem 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 — Free to set up Croissant Pay via Shopify or custom integration.
- You fulfill, Croissant pays — Orders arrive through your normal fulfillment workflow. Croissant settles every 2–4 weeks.
Prepaid
Croissant pays cash upfront for future orders that will redeem via Croissant Pay. This model provides guaranteed volume and upfront capital, and Croissant earns a slightly higher commission.
- Advance funding — Croissant provides upfront cash based on projected customer demand.
- 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 customers redeem Croissant Credit on your site. The commission is 15–20% on the order amount (not charged on any incentives you choose to offer customers).
- 10% goes back to the shopper as loyalty credit on Croissant
- The remaining 5–10% is Croissant's net commission
Examples
A customer places a $500 order, redeeming Croissant Credit:
| Line Item | Amount |
|---|---|
| Order total | $500 |
| Customer redeems Croissant Credit | $500 |
| Croissant commission (15–20% of $500) | $75–$100 |
| Remitted to brand | $400–$425 |
A customer places a $500 order with a $100 brand-offered incentive applied:
| Line Item | Amount |
|---|---|
| Order total | $500 |
| Brand-offered incentive | -$100 |
| Customer redeems Croissant Credit | $400 |
| Croissant commission (15–20% of $400) | $60–$80 |
| Remitted to brand | $320–$340 |
Offer Configuration
You set offer parameters that determine the incentive shown to Croissant users:
- Discount amount — e.g., $100 off
- Minimum order amount — e.g., $500+
- Targeting — Croissant can subset by past purchases (e.g., specific multi-brand retail shoppers or specific peer brands), geography, spend thresholds, or other parameters.