Reap Credits can be used to offset the transactional fees for Reap Pay.

If you have more Reap Credits than your total payment amount, the difference will be kept in your Reap Credits balance.

If you have fewer Reap Credits than your total payment amount, you will pay fees only on the portion of the payment that your Reap Credits do not cover. For example, if your Reap payment is $20,000 and your Reap Credits balance is $15,000, you will pay fees only on $5,000.