This API lets you pay a credit directly onto the end user’s bill. Loyalty schemes can use it to reward end users for making purchases with affiliated brands; retailers and restaurants are among early adopters of this technology. This exciting new product can also help resolve end user service issues. When things go wrong, brands might want to make a goodwill gesture to end users in the form of a payment. Credit to Bill allows any end user with a mobile phone to receive a credit in a fast, safe and trusted way.