Koin Cashback & Store Credit vs Skeps Pay‑Over‑Time Messagingfor Shopify (2026)
Koin Cashback & Store Credit and Skeps Pay‑Over‑Time Messaging address distinct aspects of customer retention and sales conversion on Shopify. Koin focuses on building customer loyalty and encouraging repeat purchases through a native store credit system. Its strength lies in providing flexible reward programs triggered by various customer actions, managed directly within the Shopify ecosystem, benefiting D2C and B2B businesses alike. Skeps, on the other hand, aims to boost sales by offering 'pay-over-time' messaging, providing customers with accessible installment plans. Its core advantage is facilitating access to higher line sizes via partnerships with national banks, tailored financing offers, and promotional campaign options to incentivise more purchases.
At a Glance
Koin Cashback & Store Credit
57 reviews
Skeps Pay‑Over‑Time Messaging
0 reviews
Detailed Overview
Koin Cashback & Store Credit
Use native Store Credit to set cashback and rewards for any customer action that drives retention.
Key Features
- Set cashback rates by product/order, for D2C customers or B2B company locations
- Automate with pre-built Shopify Flow templates or create your own
- Bulk or single edit (credit/debit) store credit from customer accounts
- Promote rewards with widgets and send automated emails for store credit issuance
- Track and manage store credit effortlessly with intuitive dashboard
Skeps Pay‑Over‑Time Messaging
Provides installment payment plans message on product pages. E.g. "Payments starting from $25/mo."
Key Features
- Improve sales conversion by offerring affordable payment plan messages
- Higher line sizes up to $25K exclusively for your business
- Keep your customers – Skeps never cross sells to your customers
- More product options – interest based and 0% promotions
- Configurable – run promotional campaigns at inventory-level
Feature Comparison
| Rating | 5/5 | 0/5 |
Rating Koin Cashback & Store Credit5/5 Skeps Pay‑Over‑Time Messaging0/5 | ||
| Reviews | 57 | 0 |
Reviews Koin Cashback & Store Credit57 Skeps Pay‑Over‑Time Messaging0 | ||
| Focus | Customer Loyalty & Retention | Sales Conversion with Installment Plans |
Focus Koin Cashback & Store CreditCustomer Loyalty & Retention Skeps Pay‑Over‑Time MessagingSales Conversion with Installment Plans | ||
| Reward Type | Shopify-native store credit | Installment payment plans |
Reward Type Koin Cashback & Store CreditShopify-native store credit Skeps Pay‑Over‑Time MessagingInstallment payment plans | ||
| Target Audience | D2C and Shopify Plus B2B merchants | Merchants seeking higher average order values |
Target Audience Koin Cashback & Store CreditD2C and Shopify Plus B2B merchants Skeps Pay‑Over‑Time MessagingMerchants seeking higher average order values | ||
| Key Feature | Automated Store Credit Issuance | Pay-Over-Time Messaging on Product Pages |
Key Feature Koin Cashback & Store CreditAutomated Store Credit Issuance Skeps Pay‑Over‑Time MessagingPay-Over-Time Messaging on Product Pages | ||
| Integration | Integrates with Shopify Flow | Requires separate 'Skeps Pay-Over-Time' app for full functionality |
Integration Koin Cashback & Store CreditIntegrates with Shopify Flow Skeps Pay‑Over‑Time MessagingRequires separate 'Skeps Pay-Over-Time' app for full functionality | ||
| Value Proposition | Boost repeat purchases and profit margins | Improve sales with differentiated Pay-Over-Time platform |
Value Proposition Koin Cashback & Store CreditBoost repeat purchases and profit margins Skeps Pay‑Over‑Time MessagingImprove sales with differentiated Pay-Over-Time platform | ||
Our Verdict
Koin Cashback & Store Credit is the better choice for merchants looking to increase customer loyalty and retention through a rewards system integrated directly within Shopify. Its store credit functionality and automation options provide a flexible and manageable solution for rewarding various customer actions. It's particularly well-suited for D2C and B2B businesses on Shopify Plus. Skeps Pay‑Over‑Time Messaging, conversely, is beneficial for merchants who aim to increase sales conversion by offering customers flexible payment options. However, the lack of reviews and the need for a separate app makes it a riskier option, though its potential for increased line sizes and SKU-level promotions could be enticing to certain merchants.
Common Questions
Which app is easier to set up and use?
Based on the description, Koin seems easier to set up and use, leveraging Shopify-native store credit and Flow integrations. Skeps requires installing a separate app and setting up financing offers, potentially adding complexity.
Which app is better for customer retention?
Koin is specifically designed for customer retention by offering cashback and rewards programs powered by store credit. Skeps focuses more on attracting new customers and increasing sales through installment payments.
Can I use both apps together?
Potentially, yes. A merchant could use Skeps to attract customers with payment plans and then use Koin to reward those customers with store credit for future purchases. However, this would require careful planning to avoid confusing customers.
Which app has better customer support?
It's difficult to assess customer support quality without further information. However, Koin's higher rating and number of reviews suggest a more established user base and potentially better support based on past merchant experience. The lack of reviews for Skeps makes its support quality an unknown.
Which app is more expensive?
Pricing information is not provided for either app. The merchant will need to investigate the app listing to understand each app's associated cost.
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