> ## Documentation Index
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> Use this file to discover all available pages before exploring further.

# Working with Credit

The `Credit` object encapsulates the different types of credit that can be stored on a `Product`, `Account` or `AutoBill`, and applied to one-time or recurring transactions.

* **Tokens:** You can use tokens as both payment methods, and credit options. The `merchantTokenId` attribute of a `Token` object identifies its type. Use this data member to define your `Token` types.For example, create an `AutoBill` with a monthly `BillingPlan` whose price is defined in terms of `Tokens` of a certain type. Create a `Product` object that grants credit for a number of Tokens of that type. Allow your customer to purchase the Product and acquire the allotted Tokens. Then, each time the `AutoBill` is due, Subscribe deducts the specified number of `Tokens` from the available `Token` credit.

* **Credits (time):** Grant time credit to an `AutoBill` by including an array of `TimeInterval` objects in the `Credit` object associated with the `AutoBill`. The `TimeInterval` object allows you to define a time extension to an `AutoBill` in terms of years, months, weeks, or days. When you grant time credit to an `AutoBill`, Subscribe delays the next billing for the `AutoBill` by the specified amount of time, similar to calling `delayBillingByDays()` on the `AutoBill` object.

* **Credits (currency):** Subscribe enables you to grant or revoke currency credits to `Accounts` and `AutoBills`. All ISO 42171 currencies are supported. For more information, see the Credit Subobject in the **Subscribe API Guide**.

* **Gift Cards:** Add Token credits to an `AutoBill` or an `Account` by redeeming a gift card. Your customers may redeem gift cards, through Subscribe, to add credit to their `Account`. For more information, see [Working with Gift Cards](Working_with_Gift_Cards#).

* **[Redeeming Credit](../topics/Redeeming_Credit)**

* **[Using Credits with an Account](../topics/Using_Credits_with_an_Ac)**

* **[Using Credits with an AutoBill](../topics/Using_Credits_with_an_Au)**

**Parent topic:**[Credit Grants and Gift Cards](../topics/ProgGuide_CreditGiftCard)


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