Frequently asked questions

Does creditOS work with both Shopify and WooCommerce?

Yes. creditOS is available on both platforms. The scoring model, tier logic, and policy configuration are identical across both — you get the same credit intelligence regardless of which platform your store runs on.

How long does setup take?

Most merchants are live within 15 minutes. creditOS reads your existing store data automatically — there is nothing to import or configure before your first scores appear.

What happens to new customers with no order history?

New customers are placed on starter terms — a configurable policy that applies until they've built enough of a track record to be scored. Starter terms default to a conservative prepay policy, but you can adjust this to match your onboarding approach. Once a customer crosses your configured thresholds, creditOS moves them to their scored tier automatically.

What are the thresholds for graduating from starter terms?

The thresholds are fully configurable in Settings → Starter Terms. You can set a minimum order count, a minimum total spend, and an activity window. You can also choose whether any one condition needs to be met, or all of them. Defaults are set conservatively and work well for most merchants out of the box.

Can I customise how the scoring model works?

Several scoring parameters are configurable — including how the system handles new customers, risk threshold bands, and the grace period applied to payment lateness. Advanced signal weighting is available on higher-tier plans.

How often are scores updated?

creditOS updates scores three ways: automatically in response to customer activity (like payments or overdue events), on a daily scheduled pass across all customers, and on-demand when you trigger a manual rescore from the dashboard. You're always working from a current view.

What is the review queue and when should I use it?

The review queue is a middle ground between auto-approving and blocking orders. When enabled for a tier, orders from customers in that tier are held for manual review — your team sees the order alongside the customer's current scores and payment history, then approves or rejects with one click. It's most useful for high-value accounts with elevated risk where you want a human in the loop. The review queue requires a Shopify Plus plan.

What happens when a customer's tier changes?

When a rescore produces a different tier, creditOS enters a review window before the new policy takes effect. You're notified with the old and new tier, which signals changed, and a direct link to the customer profile. You can approve, reject, or override the change. Downgrades always go through this review window — upgrades can be set to auto-approve if you prefer.

Can customers see their tier or score?

No. Scores and tier assignments are internal to your creditOS dashboard. Customers are only affected by the policies that apply at checkout — they do not see a score or tier label.

What happens if I disable checkout enforcement?

Disabling enforcement stops creditOS from applying policies at checkout. Scoring and tier assignment continue to run — your dashboard stays up to date, but no rules are enforced on new orders.

Is there a free trial?

Yes — all plans include a 30-day free trial. No credit card required. You can cancel at any time during the trial with no charge.

Where is my data stored?

creditOS reads data directly from your Shopify or WooCommerce store. Your order history, payment records, and customer data stay within your platform environment — creditOS uses them to calculate scores and enforce policies, not to build a parallel data warehouse.