Instant credit: paying out before the parcel is back

The gap between a shopper dropping a parcel and your warehouse receiving it can be a week. Making them wait for credit during that window is where re-purchase intent quietly dies.

First-scan, not first-receipt

Instant credit fires the moment a carrier scans the return label — not when it lands in your warehouse. The shopper gets spendable credit immediately, and most re-shop within minutes.

Doing it without the fraud tax

The risk is obvious: what if the parcel never arrives? The answer is a risk score and automatic clawback.

• Velocity, amount, and pattern checks gate eligibility
• Risky returns route to review instead of instant payout
• Non-arrival triggers automatic clawback

The result: a 22% lift in re-spend rate, with fraud exposure bounded by a threshold you control.