Store credit is a term often used in retail to describe funds that can be used towards future purchases at a specific store. Synonyms for this term include gift card, merchandise credit, and store money. A gift card is a plastic card or electronic code that can be used as payment at the store it was purchased from. Merchandise credit is a voucher or receipt that can be used towards a specific purchase. Store money is like a virtual account that can be accessed to make purchases in-store or online. Regardless of the term used, store credit provides customers with the flexibility to purchase items they want or need without having to spend their own money.