Joom Credits is a Joomla 1.5 native credits payment solution developed by Ossolution Team for Joomla 1.5. It allows your site members to purchase credits (via Paypal, Authorize.net and Eway payment gateways) and use these credits to pay to access resources on your site like Articles , Documents (in Docman and JDownloads extensions), Videos (on hwvideoshares and Seyret extensions).

Furthermore, It allows your site members to withdrawal money from their credits balance to their Bank Or Paypal account (the exchange rate is configurable from back-end of the component, for example, with 10 credits , users can withdraw 1$) . This feature is much needed if the site resources (articles, documents, videos) are uploaded by the community and you want to share the profit with the owner of these resources . For example , if an author write an article and it cost 10 credits . When a user subscribes to read this article , he will have to pay 10 credits . 3 credits will be added to admin account and the remaining 7 credits will be added to author account. The author can submit withdrawal request when they want (for example, at the end of each month) . Admin process this withdrawal request and send money to author bank or Paypal account .

How it works :

1. Your site members purchase a credits package and pay for this package via Paypal , Authorize.net or Eway payment gateway. The purchased credits will be added to balance to his account . (For example, if the credits package he purchased contains 40 credits, 40 credits will be added to balance of his account) .
2. The member access to a resource (view an article, download a document, watch a video) which need to pay, he is redirected to a confirmation page which inform him need to pay to access to this resource . If he agrees, he will press Process button . At this time, the payment will be processed :
1. Credits will be deducted from his account .
2. Credits commission will be added to admin account .
3. The remaining credits from this transaction will be added to author's account .
4. All transactions will be logged and members can view all the transactions by accessing to Transactions History menu item .
5. If all resources on your site is yours , you can disable step 2 and step 3 from configuration area of the extension (Credits will not added to admin and author account because this process simply members pay for you so that they can access to the resources).
3. When some one paid for a resource (article, document, video), you can limit them to access to this resource by Number of Views (for example, you only allows them to view it 3 times), or by number of days (for example, you can allow them to view it within one week) or set it to unlimited (users can view it forever once they paid for it) .
4. Users can submit withdrawal request to transfer money from their credits balance to bank or Paypal account as descried above.