Configuration

Credit tiers & policies

Every customer is assigned to a credit tier based on their scores. Each tier carries a fully configurable policy that applies automatically at checkout.

What a tier policy controls

Each credit tier has its own policy — a set of rules that determine how creditOS treats customers in that tier. You have full control over every parameter:

  • Net terms — the payment window extended to the customer (e.g. Net 15, Net 30, Net 60, prepay, or COD)
  • Credit limit — the maximum outstanding balance a customer can carry before new orders are restricted
  • Deposit requirement — a percentage of order value required upfront before the order is processed
  • Discount — an automatic discount applied to the cart for customers in this tier, rewarding your best accounts
  • Review queue — flag orders from customers in this tier for manual review before fulfilment, rather than auto-approving or auto-blocking
Policy changes take effect immediately. All customers currently in that tier will have the updated policy applied to their next order.

Review queue

The review queue is a powerful middle ground between auto-approving and blocking orders. When enabled for a tier, orders from customers in that tier are held for manual review before proceeding.

Your team sees the order, the customer's current scores, their payment history, and the reason it was flagged — then approves or rejects with one click. Every decision is logged in the audit trail.

The review queue is most useful for high-value customers with elevated risk, or new accounts that haven't yet built enough history for automated assessment.

Starter terms

New customers who haven't yet accumulated enough order and payment history are placed on starter terms — a separate, configurable policy that applies until creditOS has enough data to assign them to a scored tier.

Starter terms default to a conservative prepay policy, protecting you while a new account builds their track record. You can relax this under Settings → Starter Terms to match your onboarding approach — useful if you run a verified-trade or referral-only model where new buyers already carry some trust.

The criteria for what counts as "enough history" to graduate from starter terms are also fully configurable: order count, total spend threshold, and account activity window can all be adjusted to fit your customer base.

⚠️ Starter terms apply to new customers only. Once a customer crosses your configured thresholds, creditOS will move them to their scored tier automatically — no manual action required.

Editing tier policies

  1. Go to Settings → Tier Policies in your creditOS dashboard
  2. Select the tier you want to configure
  3. Adjust any combination of net terms, credit limit, deposit, discount, and review queue settings
  4. Click Save — the updated policy applies immediately

Overriding a specific customer

Need to give a specific account different terms from their tier default? See Manual overrides — you can lock any customer to a specific tier or apply custom terms without affecting the broader policy.