diff --git a/common/types.ts b/common/types.ts
index fc42fad..10ed9eb 100644
--- a/common/types.ts
+++ b/common/types.ts
@@ -81,21 +81,29 @@ export type Cart = {
 
 export type IdentifiableCart = Cart & { userId: string };
 
-export type Transaction = {
+export type Transaction = BitsTransaction | CreditTransaction;
+
+export type TransactionBase = {
     token: string; // JWT with TransactionToken (given by EBS on prepurchase)
     clientSession: string; // same session as in Cart
+    type: "bits" | "credit";
+};
+export type BitsTransaction = TransactionBase & {
+    type: "bits";
     receipt: string; // JWT with BitsTransactionPayload (coming from Twitch)
 };
+export type CreditTransaction = TransactionBase & { type: "credit" };
+
 export type DecodedTransaction = {
     token: TransactionTokenPayload;
-    receipt: BitsTransactionPayload;
-};
+} & ({ type: "credit" } | { type: "bits"; receipt: BitsTransactionPayload });
 
 export type TransactionToken = {
     id: string;
     time: number; // Unix millis
     user: {
         id: string; // user channel id
+        credit: number;
     };
     product: {
         sku: string;
@@ -148,6 +156,7 @@ export type User = {
     login?: string;
     displayName?: string;
     banned: boolean;
+    credit: number;
 };
 
 export type OrderState =
@@ -155,6 +164,7 @@ export type OrderState =
     | "prepurchase"
     | "cancelled"
     | "paid" // waiting for game
+    | "denied" // routine rejection e.g. precondition failed
     | "failed" // game failed/timed out
     | "succeeded";
 
diff --git a/ebs/src/modules/game/messages.game.ts b/ebs/src/modules/game/messages.game.ts
index e900d0e..6229dfe 100644
--- a/ebs/src/modules/game/messages.game.ts
+++ b/ebs/src/modules/game/messages.game.ts
@@ -22,9 +22,11 @@ export type LogMessage = GameMessageBase & {
     message: string;
 };
 
+export type ResultKind = "success" | "error" | "deny";
+
 export type ResultMessage = GameMessageBase & {
     messageType: MessageType.Result;
-    success: boolean;
+    status: ResultKind;
     message?: string;
 };
 
diff --git a/ebs/src/modules/orders/endpoints/public.ts b/ebs/src/modules/orders/endpoints/public.ts
index 76a4df0..52bc661 100644
--- a/ebs/src/modules/orders/endpoints/public.ts
+++ b/ebs/src/modules/orders/endpoints/public.ts
@@ -138,28 +138,30 @@ app.post(
             return;
         }
 
-        const bitsTransaction = decoded.receipt.data.transactionId;
-        if (usedBitsTransactionIds.has(bitsTransaction)) {
-            // happens if there are X extension tabs that are all open on the twitch bits modal
-            // twitch broadcasts onTransactionComplete to all of them and the client ends up
-            // sending X requests for each completed transaction (where all but 1 will obviously be duplicates)
-            // we don't want to auto-ban people just for having multiple tabs open
-            // but it's still obviously not ideal behaviour
-            if (order.cart.clientSession === transaction.clientSession) {
-                // if it's not coming from a different tab, you're obviously trying to replay
-                logMessage.content = {
-                    order: order.id,
-                    bitsTransaction: decoded.receipt.data,
-                };
-                logMessage.header = "Transaction replay";
-                sendToLogger(logContext).then();
+        if (decoded.type === "bits") {
+            const bitsTransaction = decoded.receipt.data.transactionId;
+            if (usedBitsTransactionIds.has(bitsTransaction)) {
+                // happens if there are X extension tabs that are all open on the twitch bits modal
+                // twitch broadcasts onTransactionComplete to all of them and the client ends up
+                // sending X requests for each completed transaction (where all but 1 will obviously be duplicates)
+                // we don't want to auto-ban people just for having multiple tabs open
+                // but it's still obviously not ideal behaviour
+                if (order.cart.clientSession === transaction.clientSession) {
+                    // if it's not coming from a different tab, you're obviously trying to replay
+                    logMessage.content = {
+                        order: order.id,
+                        bitsTransaction: decoded.receipt.data,
+                    };
+                    logMessage.header = "Transaction replay";
+                    sendToLogger(logContext).then();
+                }
+                // unfortunately, in this case any other tab(s) awaiting twitchUseBits will still lose their purchase
+                // so we do our best to not allow multiple active prepurchases in the first place
+                res.status(401).send("Invalid transaction");
+                return;
             }
-            // unfortunately, in this case any other tab(s) awaiting twitchUseBits will still lose their purchase
-            // so we do our best to not allow multiple active prepurchases in the first place
-            res.status(401).send("Invalid transaction");
-            return;
+            usedBitsTransactionIds.add(bitsTransaction);
         }
-        usedBitsTransactionIds.add(bitsTransaction);
 
         if (order.userId != req.user.id) {
             // paying for somebody else, how generous
diff --git a/ebs/src/modules/orders/transaction.ts b/ebs/src/modules/orders/transaction.ts
index aa0a668..b0ec127 100644
--- a/ebs/src/modules/orders/transaction.ts
+++ b/ebs/src/modules/orders/transaction.ts
@@ -1,7 +1,8 @@
 import { Order, Transaction, User, OrderState, TransactionToken, TransactionTokenPayload, DecodedTransaction, BitsTransactionPayload } from "common/types";
 import { verifyJWT, parseJWT } from "../../util/jwt";
-import { getOrder, saveOrder } from "../../util/db";
-import { ResultMessage } from "../game/messages.game";
+import { addCredit, getOrAddUser, getOrder, saveOrder } from "../../util/db";
+import { ResultKind, ResultMessage } from "../game/messages.game";
+import { sendToLogger } from "../../util/logger";
 import { HttpResult } from "../../types";
 
 export const jwtExpirySeconds = 60;
@@ -9,33 +10,49 @@ const jwtExpiryToleranceSeconds = 15;
 const defaultResult: HttpResult = { status: 403, message: "Invalid transaction" };
 
 export function decodeJWTPayloads(transaction: Transaction): HttpResult | DecodedTransaction {
+    if (transaction.type !== "bits" && transaction.type !== "credit") {
+        return { ...defaultResult, logHeaderOverride: "Invalid type" };
+    }
     if (!transaction.token || !verifyJWT(transaction.token)) {
         return { ...defaultResult, logHeaderOverride: "Invalid token" };
     }
     const token = parseJWT(transaction.token) as TransactionTokenPayload;
-    if (!transaction.receipt || !verifyJWT(transaction.receipt)) {
-        return { ...defaultResult, logHeaderOverride: "Invalid receipt" };
+    if (transaction.type === "bits") {
+        if (!transaction.receipt || !verifyJWT(transaction.receipt)) {
+            return { ...defaultResult, logHeaderOverride: "Invalid receipt" };
+        }
+        return {
+            type: "bits",
+            token,
+            receipt: parseJWT(transaction.receipt) as BitsTransactionPayload,
+        };
     }
     return {
+        type: "credit",
         token,
-        receipt: parseJWT(transaction.receipt) as BitsTransactionPayload,
     };
 }
 
 export function verifyTransaction(decoded: DecodedTransaction): HttpResult | TransactionToken {
     const token = decoded.token;
 
-    // we don't care if our token JWT expired
-    // because if the bits t/a is valid, the person paid and we have to honour it
-    const receipt = decoded.receipt;
-    if (receipt.topic != "bits_transaction_receipt") {
-        // e.g. someone trying to put a token JWT in the receipt field
-        return { ...defaultResult, logHeaderOverride: "Invalid receipt topic" };
-    }
-    if (receipt.exp < Date.now() / 1000 - jwtExpiryToleranceSeconds) {
-        // status 403 and not 400 because bits JWTs have an expiry of 1 hour
-        // if you're sending a transaction 1 hour after it happened... you're sus
-        return { ...defaultResult, logHeaderOverride: "Bits receipt expired" };
+    if (decoded.type === "bits") {
+        // for bits purchases, we don't care if our token JWT expired
+        // because if the bits t/a is valid, the person paid and we have to honour it
+        const receipt = decoded.receipt;
+        if (receipt.topic != "bits_transaction_receipt") {
+            // e.g. someone trying to put a token JWT in the receipt field
+            return { ...defaultResult, logHeaderOverride: "Invalid receipt topic" };
+        }
+        if (receipt.exp < Date.now() / 1000 - jwtExpiryToleranceSeconds) {
+            // status 403 and not 400 because bits JWTs have an expiry of 1 hour
+            // if you're sending a transaction 1 hour after it happened... you're sus
+            return { ...defaultResult, logHeaderOverride: "Bits receipt expired" };
+        }
+    } else if (decoded.type === "credit") {
+        if (token.exp < Date.now() / 1000 - jwtExpiryToleranceSeconds) {
+            return { ...defaultResult, status: 400, message: "Transaction expired, try again", logHeaderOverride: "Credit receipt expired" };
+        }
     }
 
     return token.data;
@@ -68,8 +85,26 @@ export async function getAndCheckOrder(transaction: Transaction, decoded: Decode
         };
     }
 
-    // we verified the receipt JWT earlier (in verifyTransaction)
-    order.receipt = transaction.receipt;
+    if (transaction.type === "credit") {
+        const sku = order.cart.sku;
+        const cost = getBitsPrice(sku);
+        if (!isFinite(cost) || cost <= 0) {
+            return { status: 500, message: "Internal configuration error", logHeaderOverride: "Bad SKU", logContents: { order: order.id, sku } };
+        }
+        if (user.credit < cost) {
+            return {
+                status: 409,
+                message: "Insufficient credit",
+                logContents: { user: user.id, order: order.id, cost, credit: user.credit },
+            };
+        }
+        user = await addCredit(user, -cost);
+        console.log(`Debited ${user.login ?? user.id} (${user.credit + cost} - ${cost} = ${user.credit})`);
+        order.receipt = `credit (${user.credit + cost} - ${cost} = ${user.credit})`;
+    } else {
+        // for bits transactions, we verified the receipt JWT earlier (in verifyTransaction)
+        order.receipt = transaction.receipt;
+    }
 
     order.state = "paid";
     await saveOrder(order);
@@ -77,13 +112,19 @@ export async function getAndCheckOrder(transaction: Transaction, decoded: Decode
     return order;
 }
 
+const orderStateMap: { [k in ResultKind]: OrderState } = {
+    success: "succeeded",
+    error: "failed",
+    deny: "denied",
+};
+
 export async function processRedeemResult(order: Order, result: ResultMessage): Promise<HttpResult> {
-    order.state = result.success ? "succeeded" : "failed";
+    order.state = orderStateMap[result.status];
     order.result = result.message;
     await saveOrder(order);
     let msg = result.message;
     const res = { logContents: { order: order.id, cart: order.cart } };
-    if (result.success) {
+    if (result.status === "success") {
         console.log(`[${result.guid}] Redeem succeeded: ${JSON.stringify(result)}`);
         msg = "Your transaction was successful! Your redeem will appear on stream soon.";
         if (result.message) {
@@ -91,9 +132,38 @@ export async function processRedeemResult(order: Order, result: ResultMessage):
         }
         return { status: 200, message: msg, logHeaderOverride: "Redeem succeeded", ...res };
     } else {
-        console.error(`[${result.guid}] Redeem failed: ${JSON.stringify(result)}`);
-        msg ??= "Redeem failed.";
-        return { status: 500, message: msg, logHeaderOverride: "Redeem failed", ...res };
+        await refund(order);
+        let status: number;
+        let header: string;
+        if (result.status === "deny") {
+            status = 400;
+            msg ??= "The game is not ready to process this redeem.";
+            header = "Redeem denied";
+        } else {
+            status = 500;
+            msg ??= "Redeem failed.";
+            header = "Redeem failed";
+        }
+        console.error(`[${result.guid}] ${header}: ${JSON.stringify(result)}`);
+        return { status: status, message: msg, logHeaderOverride: header, ...res };
+    }
+}
+
+export async function refund(order: Order) {
+    try {
+        let user = await getOrAddUser(order.userId);
+        const cost = parseInt(order.cart.sku.substring(4));
+        user = await addCredit(user, cost);
+        console.log(`Refunded ${user.login ?? user.id} (${user.credit - cost} + ${cost} = ${user.credit})`);
+    } catch (e) {
+        console.error(`Could not refund order ${order.id}`);
+        console.error(e);
+        sendToLogger({
+            transactionToken: order.id,
+            userIdInsecure: order.userId,
+            important: true,
+            fields: [{ header: "Failed to refund", content: { order: order.id, error: e } }],
+        });
     }
 }
 
@@ -109,6 +179,7 @@ export function makeTransactionToken(order: Order, user: User): TransactionToken
         time: Date.now(),
         user: {
             id: user.id,
+            credit: user.credit,
         },
         product: { sku, cost },
     };
diff --git a/ebs/src/modules/user/endpoints.ts b/ebs/src/modules/user/endpoints.ts
index 46ecc1b..1ffe336 100644
--- a/ebs/src/modules/user/endpoints.ts
+++ b/ebs/src/modules/user/endpoints.ts
@@ -1,5 +1,5 @@
 import { app } from "../..";
-import { updateUserTwitchInfo, lookupUser } from "../../util/db";
+import { updateUserTwitchInfo, lookupUser, addCredit } from "../../util/db";
 import { asyncCatch } from "../../util/middleware";
 import { setUserBanned, setUserSession } from ".";
 
@@ -12,7 +12,7 @@ app.post(
         
         updateUserTwitchInfo(req.user).then();
         
-        res.sendStatus(200);
+        res.status(200).send({ credit: req.user.credit });
     })
 );
 
@@ -52,3 +52,25 @@ app.delete(
         res.status(200).json(user);
     })
 );
+
+app.post(
+    "/private/user/:idOrName/addCredit",
+    asyncCatch(async (req, res) => {
+        let user = await lookupUser(req.params["idOrName"]);
+        if (!user) {
+            res.sendStatus(404);
+            return;
+        }
+        
+        const amt = parseInt(req.query["amount"] as string);
+        if (!isFinite(amt)) {
+            res.sendStatus(400);
+            return;
+        }
+
+        user = await addCredit(user, amt);
+        console.log(`[Private API] Granted ${amt} credits to ${user.login ?? user.id} (now ${user.credit})`);
+        res.status(200).json(user);
+        return;
+    })
+);
diff --git a/ebs/src/util/db.ts b/ebs/src/util/db.ts
index 7cfdd2c..d542656 100644
--- a/ebs/src/util/db.ts
+++ b/ebs/src/util/db.ts
@@ -109,12 +109,13 @@ async function createUser(id: string): Promise<User> {
     const user: User = {
         id,
         banned: false,
+        credit: 0,
     };
     try {
         await db.query(
             `
-            INSERT INTO users (id, login, displayName, banned)
-            VALUES (:id, :login, :displayName, :banned)`,
+            INSERT INTO users (id, login, displayName, banned, credit)
+            VALUES (:id, :login, :displayName, :banned, :credit)`,
             user
         );
     } catch (e: any) {
@@ -130,7 +131,10 @@ export async function saveUser(user: User) {
         await db.query(
             `
             UPDATE users
-            SET login = :login, displayName = :displayName, banned = :banned
+            SET login = :login,
+                displayName = :displayName,
+                banned = :banned,
+                credit = :credit
             WHERE id = :id`,
             { ...user }
         );
@@ -167,3 +171,16 @@ export async function updateUserTwitchInfo(user: User): Promise<User> {
     }
     return user;
 }
+
+export async function addCredit(user: User, amount: number): Promise<User> {
+    try {
+        await db.query(`CALL addCredit(:userId, :amount, @credit);`, { userId: user.id, amount });
+        const [rows] = (await db.query("SELECT @credit")) as [RowDataPacket[], any];
+        user.credit = rows[0]["@credit"];
+        return user;
+    } catch (e: any) {
+        console.error("Database query failed (addCredit)");
+        console.error(e);
+        throw e;
+    }
+}
diff --git a/frontend/www/css/base.css b/frontend/www/css/base.css
index 7661282..53bbb5e 100644
--- a/frontend/www/css/base.css
+++ b/frontend/www/css/base.css
@@ -84,4 +84,8 @@ select {
     border: 1px solid #ffffff1A;
     background-color: #333;
     color: #eee;
-}
\ No newline at end of file
+}
+
+.sat-10 {
+    filter: saturate(10%);
+}
diff --git a/frontend/www/css/buttons.css b/frontend/www/css/buttons.css
index 175e883..ef3e430 100644
--- a/frontend/www/css/buttons.css
+++ b/frontend/www/css/buttons.css
@@ -46,6 +46,15 @@
 .btn-primary:focus {
     box-shadow: 0 0 0 4px rgba(var(--primary-color), 0.5);
 }
+.btn-secondary {
+    background-color: rgba(var(--secondary-color), 0.75);
+    border: 1px solid #ffffff26;
+    color: #fff;
+}
+
+.btn-secondary:focus {
+    box-shadow: 0 0 0 4px rgba(var(--secondary-color), 0.5);
+}
 
 .btn-success {
     background-color: rgba(var(--success-color), 0.75);
diff --git a/frontend/www/css/config.css b/frontend/www/css/config.css
index eae3041..4679dd0 100644
--- a/frontend/www/css/config.css
+++ b/frontend/www/css/config.css
@@ -1,5 +1,6 @@
 :root {
     --primary-color: 203, 4, 165;
+    --secondary-color: 37, 35, 38;
     --success-color: 2, 109, 58;
     --danger-color: 153, 14, 6;
     --redeem-card-border-radius: 10px;
diff --git a/frontend/www/css/modals.css b/frontend/www/css/modals.css
index b424035..735d649 100644
--- a/frontend/www/css/modals.css
+++ b/frontend/www/css/modals.css
@@ -169,6 +169,15 @@ form label:not([aria-required]) {
     margin-right: 6px;
 }
 
+.bits-inline {
+    width: 20px;
+    height: 20px;
+
+    object-fit: contain;
+    margin-bottom: -3px;
+    margin-inline: 2px;
+}
+
 .modal-overlay {
     z-index: 10000;
 
@@ -272,4 +281,4 @@ form label:not([aria-required]) {
     .modal-descriptors {
         align-items: center;
     }
-}
\ No newline at end of file
+}
diff --git a/frontend/www/css/redeems.css b/frontend/www/css/redeems.css
index 0d2105b..def029d 100644
--- a/frontend/www/css/redeems.css
+++ b/frontend/www/css/redeems.css
@@ -155,4 +155,19 @@
 .redeemable-item-price {
     color: #333;
     text-shadow: 0 0 3px #333;
-}
\ No newline at end of file
+}
+
+.top-status-bar {
+    position: sticky;
+    top: 0;
+    height: 1.5rem;
+    align-items: center;
+    background: #333;
+    z-index: 10;
+    transition: all 0.2s;
+}
+
+.top-status-bar .top-status-bar-left {
+    padding-inline: 0.5rem;
+    display: flex;
+}
diff --git a/frontend/www/html/index.html b/frontend/www/html/index.html
index 9a253e3..79067c3 100644
--- a/frontend/www/html/index.html
+++ b/frontend/www/html/index.html
@@ -90,9 +90,35 @@ <h2 id="modal-success-title"></h2>
                                 </div>
                             </div>
                         </div>
+
+                        <!-- Modal success overlay -->
+                        <div class="modal-overlay" id="modal-confirm-credit" style="opacity: 0; pointer-events: none;">
+                            <img src="img/bits.png" class="bits-image sat-10" style="width: 5rem; height: 5rem;">
+                            <div class="modal-descriptors">
+                                <h2 id="modal-confirm-credit-title">Use Credit?</h2>
+                                <div id="modal-confirm-credit-description">
+                                    <p>You have <img src="img/bits.png" class="bits-inline sat-10"><b><span id="modal-confirm-credit-balance"></span></b> credit. The redeem will cost <img src="img/bits.png" class="bits-inline sat-10"><b><span id="modal-confirm-credit-cost"></span></b>, leaving you with <img src="img/bits.png" class="bits-inline sat-10"><b><span id="modal-confirm-credit-remainder"></span></b>.</p>
+                                    <p>Please make sure you're able to fully use the remainder.</p>
+                                    <p>If you select "Use Bits", you'll have an opportunity to cancel.</p>
+                                </div>
+
+                                <!-- Close button -->
+                                <div class="modal-buttons">
+                                    <button id="modal-confirm-credit-useCredit" class="button btn-secondary">Use <img src="img/bits.png" class="bits-image sat-10"> Credit</button>
+                                    <button id="modal-confirm-credit-useBits" class="button btn-secondary">Use <img src="img/bits.png" class="bits-image">Bits</button>
+                                </div>
+                            </div>
+                        </div>
                     </div>
                 </div>
 
+                <div class="top-status-bar" id="top-status-bar" style="display: none;">
+                    <div class="top-status-bar-left" title="Your current credit balance. You can choose to use this balance before purchasing bits.">
+                        <!-- bits balance -->
+                        <img src="img/bits.png" class="bits-image sat-10">
+                        <p id="credit-balance">?</p>
+                    </div>
+                </div>
                 <div id="items">
                     <div class="redeems-content-spinner">
                         <div class="spinner"></div>
diff --git a/frontend/www/src/modules/auth.ts b/frontend/www/src/modules/auth.ts
index eb76597..167230a 100644
--- a/frontend/www/src/modules/auth.ts
+++ b/frontend/www/src/modules/auth.ts
@@ -2,7 +2,7 @@ import { ebsFetch } from "../util/ebs";
 import { renderRedeemButtons } from "./redeems";
 import { refreshConfig, setConfig } from "../util/config";
 import { onTwitchAuth, twitchAuth } from "../util/twitch";
-import { clientSession } from "./transaction";
+import { clientSession, setClientsideBalance } from "./transaction";
 
 const $loginPopup = document.getElementById("onboarding")!;
 const $loginButton = document.getElementById("twitch-login")!;
@@ -29,6 +29,10 @@ function onAuth(auth: Twitch.ext.Authorized) {
         if (res.status === 403) {
             setBanned(true);
         }
+        res.json().then((resp: { credit: number; }) => {
+            console.log(`Balance: ${resp.credit}`);
+            setClientsideBalance(resp.credit);
+        });
         renderRedeemButtons().then();
     });
 }
diff --git a/frontend/www/src/modules/modal/index.ts b/frontend/www/src/modules/modal/index.ts
index 6c37420..ad49f30 100644
--- a/frontend/www/src/modules/modal/index.ts
+++ b/frontend/www/src/modules/modal/index.ts
@@ -3,7 +3,7 @@ import { ebsFetch } from "../../util/ebs";
 import { getConfig } from "../../util/config";
 import { logToDiscord } from "../../util/logger";
 import { setBanned } from "../auth";
-import { clientSession, promptTransaction, transactionCancelled, transactionComplete, } from "../transaction";
+import { clientSession, promptTransaction, transactionCancelled, transactionComplete, setClientsideBalance, getClientsideBalance } from "../transaction";
 import { $modalOptionsForm, checkForm, setCartArgsFromForm, setupForm } from "./form";
 import { getJWTPayload as decodeJWT } from "../../util/jwt";
 
@@ -44,6 +44,13 @@ const $modalSuccessTitle = document.getElementById("modal-success-title")!;
 const $modalSuccessDescription = document.getElementById("modal-success-description")!;
 const $modalSuccessClose = document.getElementById("modal-success-close")!;
 
+const $modalConfirmCredit = document.getElementById("modal-confirm-credit")!;
+const $modalConfirmCreditBalance = document.getElementById("modal-confirm-credit-balance")!;
+const $modalConfirmCreditCost = document.getElementById("modal-confirm-credit-cost")!;
+const $modalConfirmCreditRemainder = document.getElementById("modal-confirm-credit-remainder")!;
+const $modalConfirmCreditUseCredit = document.getElementById("modal-confirm-credit-useCredit")!;
+const $modalConfirmCreditUseBits = document.getElementById("modal-confirm-credit-useBits")!;
+
 export let cart: Cart | undefined;
 export let transactionToken: TransactionToken | undefined;
 export let transactionTokenJwt: string | undefined;
@@ -142,6 +149,26 @@ export function showSuccessModal(title: string, description: string, onClose?: (
     };
 }
 
+export function showCreditConfirmationModal(useCredit: () => void, useBits: () => void) {
+    if (!transactionToken) return;
+    const balance = getClientsideBalance();
+    const cost = transactionToken!.product.cost;
+
+    $modalConfirmCredit.style.opacity = "1";
+    $modalConfirmCredit.style.pointerEvents = "unset";
+    $modalConfirmCreditBalance.textContent = balance.toString();
+    $modalConfirmCreditCost.textContent = cost.toString();
+    $modalConfirmCreditRemainder.textContent = (balance - cost).toString();
+    $modalConfirmCreditUseCredit.onclick = () => {
+        hideCreditConfirmationModal();
+        useCredit();
+    }
+    $modalConfirmCreditUseBits.onclick = () => {
+        hideCreditConfirmationModal();
+        useBits();
+    }
+}
+
 function closeModal() {
     cart = undefined;
     transactionToken = undefined;
@@ -175,6 +202,11 @@ function hideSuccessModal(closeMainModal = false) {
     if (closeMainModal) closeModal();
 }
 
+function hideCreditConfirmationModal() {
+    $modalConfirmCredit.style.opacity = "0";
+    $modalConfirmCredit.style.pointerEvents = "none";
+}
+
 async function confirmPurchase() {
     setCartArgsFromForm($modalOptionsForm);
     if (!$modalOptionsForm.reportValidity()) {
@@ -242,6 +274,7 @@ async function prePurchase(): Promise<boolean> {
         showErrorModal("Server Error", "Server returned invalid transaction token. The developers have been notified, please try again later.");
         return false;
     }
+    setClientsideBalance(transactionToken.user.credit);
 
     return true;
 }
diff --git a/frontend/www/src/modules/redeems.ts b/frontend/www/src/modules/redeems.ts
index c282b32..b53aa54 100644
--- a/frontend/www/src/modules/redeems.ts
+++ b/frontend/www/src/modules/redeems.ts
@@ -4,6 +4,8 @@ import { getConfig } from "../util/config";
 const $mainContainer = document.getElementsByTagName("main")!;
 const $redeemContainer = document.getElementById("items")!;
 const $modalProcessing = document.getElementById("modal-processing")!;
+export const $balance = document.getElementById("credit-balance")!;
+export const $statusBar = document.getElementById("top-status-bar")!;
 
 export async function renderRedeemButtons() {
     $redeemContainer.innerHTML = `<div class="redeems-content-spinner"><div class="spinner"></div><p>Loading content...</p></div>`;
diff --git a/frontend/www/src/modules/transaction.ts b/frontend/www/src/modules/transaction.ts
index 1d5b0cb..67dbd22 100644
--- a/frontend/www/src/modules/transaction.ts
+++ b/frontend/www/src/modules/transaction.ts
@@ -1,19 +1,24 @@
 import { Transaction } from "common/types";
-import { hideProcessingModal, openModal, showErrorModal, showSuccessModal, transactionToken, transactionTokenJwt } from "./modal";
+import { hideProcessingModal, openModal, showCreditConfirmationModal, showErrorModal, showSuccessModal, transactionToken, transactionTokenJwt } from "./modal";
 import { logToDiscord } from "../util/logger";
 import { ebsFetch } from "../util/ebs";
 import { twitchUseBits } from "../util/twitch";
+import { $balance, $statusBar } from "./redeems";
 
-type TransactionResponse = Twitch.ext.BitsTransaction | "cancelled";
+type TransactionResponse = Twitch.ext.BitsTransaction | "useCredit" | "cancelled";
 
+let myCredit = 0;
 export const clientSession = Math.random().toString(36).substring(2);
 
 export async function promptTransaction(sku: string, cost: number): Promise<TransactionResponse> {
-    console.log(`Purchasing ${sku} for ${cost} bits`);
+    console.log(`Purchasing ${sku} for ${cost} bits (have ${myCredit})`);
+    if (myCredit >= cost && await confirmUseCredit()) {
+        return "useCredit";
+    }
     return await twitchUseBits(sku);
 }
 
-export async function transactionComplete(transaction: Twitch.ext.BitsTransaction) {
+export async function transactionComplete(transaction: Twitch.ext.BitsTransaction | "useCredit") {
     if (!transactionToken) {
         logToDiscord({
             transactionToken: null,
@@ -29,12 +34,13 @@ export async function transactionComplete(transaction: Twitch.ext.BitsTransactio
         );
         return;
     }
+    const isCredit = transaction === "useCredit";
 
     logToDiscord({
         transactionToken: transactionToken.id,
         userIdInsecure: Twitch.ext.viewer.id!,
         important: false,
-        fields: [{ header: "Transaction complete", content: transaction }],
+        fields: [{ header: "Transaction complete", content: isCredit ? { creditLeft: myCredit } : transaction }],
     }).then();
 
     const result = await ebsFetch("/public/transaction", {
@@ -43,7 +49,7 @@ export async function transactionComplete(transaction: Twitch.ext.BitsTransactio
         body: JSON.stringify({
             token: transactionTokenJwt!,
             clientSession,
-            ...{ receipt: transaction.transactionReceipt },
+            ...(isCredit ? { type: "credit" } : { type: "bits", receipt: transaction.transactionReceipt }),
         } satisfies Transaction),
     });
 
@@ -52,21 +58,43 @@ export async function transactionComplete(transaction: Twitch.ext.BitsTransactio
     const text = await result.text();
     const cost = transactionToken.product.cost;
     if (result.ok) {
+        if (transaction === "useCredit") {
+            setClientsideBalance(myCredit - cost);
+        }
         showSuccessModal("Purchase completed", `${text}\nTransaction ID: ${transactionToken.id}`);
     } else {
-        const errorText = `${result.status} ${result.statusText} - ${text}`;
-        logToDiscord({
-            transactionToken: transactionToken.id,
-            userIdInsecure: Twitch.ext.viewer.id!,
-            important: true,
-            fields: [{ header: "Redeem failed", content: errorText }],
-        }).then();
-        showErrorModal(
-            "An error occurred.",
-            `${errorText}
-            Please contact a moderator (preferably AlexejheroDev) about the error!
-            Transaction ID: ${transactionToken.id}`
-        );
+        if (transaction !== "useCredit") {
+            setClientsideBalance(myCredit + cost);
+        }
+        if (result.status === 400) {
+            logToDiscord({
+                transactionToken: transactionToken.id,
+                userIdInsecure: Twitch.ext.viewer.id!,
+                important: false,
+                fields: [{ header: "Redeem denied", content: text }],
+            }).then();
+            showErrorModal(
+                "Redeem not available",
+                `${text}
+                You have been credited the redeem cost, so you may try again later.
+                Transaction ID: ${transactionToken.id}`
+            );
+        } else if (result.status === 500) {
+            const errorText = `${result.status} ${result.statusText} - ${text}`;
+            logToDiscord({
+                transactionToken: transactionToken.id,
+                userIdInsecure: Twitch.ext.viewer.id!,
+                important: true,
+                fields: [{ header: "Redeem failed", content: errorText }],
+            }).then();
+            showErrorModal(
+                "An error occurred.",
+                `${errorText}
+                Please contact a moderator (preferably AlexejheroDev) about the error!
+                You have been credited the redeem cost, so you may try again later.
+                Transaction ID: ${transactionToken.id}`
+            );
+        }
     }
 }
 
@@ -89,3 +117,24 @@ export async function transactionCancelled() {
     hideProcessingModal();
     showErrorModal("Transaction cancelled.", `Transaction ID: ${transactionToken?.id ?? "none"}`);
 }
+
+export function getClientsideBalance() {
+    return myCredit;
+}
+
+export async function setClientsideBalance(credit: number) {
+    myCredit = credit;
+    $balance.innerText = credit.toString();
+    $statusBar.style.display = credit > 0 ? "flex" : "none";
+}
+
+/**
+ * Opens a modal asking the user if they want to use credit for the redeem
+ *
+ * @returns whether the user wants to use credit; if not, they will be prompted to use bits instead
+ */
+export async function confirmUseCredit(): Promise<boolean> {
+    return new Promise((resolve) => {
+        showCreditConfirmationModal(() => resolve(true), () => resolve(false));
+    });
+}
diff --git a/scripts/sql/init_db.sql b/scripts/sql/init_db.sql
index 640f5dc..fcaa59c 100644
--- a/scripts/sql/init_db.sql
+++ b/scripts/sql/init_db.sql
@@ -4,13 +4,14 @@ CREATE TABLE IF NOT EXISTS users (
     id VARCHAR(255) PRIMARY KEY,
     login VARCHAR(255),
     displayName VARCHAR(255),
-    banned BOOLEAN
+    banned BOOLEAN NOT NULL DEFAULT 0,
+    credit INT NOT NULL DEFAULT 0
 );
 
 CREATE TABLE IF NOT EXISTS orders (
     id VARCHAR(36) PRIMARY KEY,
     userId VARCHAR(255) NOT NULL,
-    state ENUM('rejected', 'prepurchase', 'cancelled', 'paid', 'failed', 'succeeded'),
+    state ENUM('rejected', 'prepurchase', 'cancelled', 'paid', 'denied', 'failed', 'succeeded'),
     cart JSON,
     receipt VARCHAR(1024),
     result TEXT,
@@ -28,6 +29,17 @@ CREATE TABLE IF NOT EXISTS logs (
 );
 
 DELIMITER $$
+DROP PROCEDURE IF EXISTS addCredit
+$$
+CREATE PROCEDURE addCredit(IN userId VARCHAR(255), IN delta INT, OUT result INT)
+BEGIN
+    UPDATE users
+    SET credit = credit + delta
+    WHERE id = userId;
+
+    SELECT credit INTO result FROM users WHERE id = userId;
+END
+$$
 DROP PROCEDURE IF EXISTS debug
 $$
 CREATE PROCEDURE debug()