Written by Krisztián StarkKey takeaways
- myCred and GamiPress are points engines with unlimited point types, while TeraWallet is a WooCommerce wallet that holds money in your store currency.
- For cash-outs and checkout payments, myCred ships more in its free plugin, GamiPress sells those features as paid add-ons, and TeraWallet includes checkout payments free but keeps withdrawals in Pro.
- As offerwall reward destinations, GamiPress needs whole points, myCred needs matching decimals, and TeraWallet needs a points-to-currency rate.
myCred vs GamiPress vs TeraWallet: which WordPress points plugin?
Pick myCred if you want points that users can spend at WooCommerce checkout or cash out with tools in the free plugin. Pick GamiPress if you want points alongside achievements and ranks and are fine buying add-ons for payouts. Pick TeraWallet if your site is a WooCommerce store and rewards should be store credit in real currency. On WordPress.org, checked on November 11, 2026, myCred and GamiPress each show 10,000+ active installations and TeraWallet shows 20,000+.
All three are free plugins with paid extras, and all three work as reward destinations in the free Moonetix Offerwall plugin. The details below come from each plugin’s WordPress.org page and official site.
The three plugins at a glance
Figures from the myCred, GamiPress, and Wallet for WooCommerce (TeraWallet) pages on WordPress.org, checked on November 11, 2026. They change with every release.
| myCred | GamiPress | TeraWallet | |
|---|---|---|---|
| Version | 4.0.3 | 8.1.2 | 1.7.4 |
| Last updated | October 27, 2026 | November 6, 2026 | October 31, 2026 |
| Active installations | 10,000+ | 10,000+ | 20,000+ |
| Rating | 4.6 of 5 (472 reviews) | 4.9 of 5 (493 reviews) | 4.7 of 5 (188 reviews) |
| Requires WordPress | 4.8 | 4.4 | 6.4 |
| Requires PHP | 7.0 | 7.0 | 7.4 |
| Needs WooCommerce | No | No | Yes, 7.2 or newer |
| What a balance holds | Points, in unlimited point types | Points, in unlimited points types | Money in your store currency |
| Paid extras | Premium add-ons | Premium add-ons | TeraWallet Pro |
myCred: the most built into the free plugin
myCred describes itself as a points, badges, and ranks system for WordPress and WooCommerce. Every points transaction is logged, and you can create unlimited point types. The free download from WordPress.org includes a set of add-ons that you switch on in the plugin, among them Badges, Ranks, buyCred, cashCred, Transfer, and a Gateway add-on with a WooCommerce payment method. The myCred FAQ says built-in add-ons are free and licenses are needed only for premium add-ons.
- Spending at checkout. The WordPress.org page says users can pay using points, and the free Gateway add-on includes a WooCommerce payment method. The myCred FAQ notes that WooCommerce allows one payment gateway per order, so an order cannot be split between points and a card.
- Cash-outs. The cashCred documentation describes converting points into cash at a rate you set per point type, with minimum and maximum amounts per withdrawal. The free plugin ships a Bank Transfer method; cashCred PayPal, Stripe, and Paystack are listed as premium add-ons.
- Decimals. Each point type has its own decimal setting. The FAQ is clear that a point type set to no decimals cannot hold decimal amounts.
GamiPress: gamification first, payouts as add-ons
GamiPress combines three award systems: points, achievements (badges, quests), and ranks (levels, grades), each in unlimited types, with blocks and shortcodes for balances and latest earnings. Its WooCommerce connection is free: the WooCommerce integration page says it is included in GamiPress and adds purchase events and per-product points.
- Spending at checkout. The WooCommerce Points Gateway add-on lets users pay for orders with points. It supports full payments only and costs $49 for one site (checked on November 11, 2026).
- Cash-outs. The Points Payouts add-on lets users withdraw points for money at a conversion rate, with withdrawal limits and an admin step to mark requests as paid. It is $49 for one site, $89 for 2 to 5 sites, or $129 unlimited (checked on November 11, 2026). The page does not say how the money itself is sent, so you pay users by your own method.
- Transfers between users are a premium add-on.
TeraWallet: store credit for WooCommerce
TeraWallet is a WooCommerce wallet, not a points engine. A balance is money in your store currency, and the free plugin covers what a shop needs: full payment with the wallet, partial payment with the rest on another gateway, automatic deduction at checkout, refunds to the wallet, top-ups, transfers by email, a full transaction history, manual credits and debits, and locking a user’s wallet. Withdrawals to a bank or other method are a Pro feature, as are wallet expiry and wallet coupons.
The trade-off is clear: users cannot cash out with the free plugin, but every reward is worth something in your shop the moment it lands.
Feature comparison for a rewards site
| Need | myCred | GamiPress | TeraWallet |
|---|---|---|---|
| Pay at WooCommerce checkout | Free gateway, whole order only | Paid add-on, whole order only | Free, full or partial |
| Cash-out requests | Free cashCred with bank transfer; PayPal, Stripe, Paystack paid | Paid Points Payouts add-on | Pro only |
| Transfers between users | Free add-on | Paid add-on | Free |
| Badges and ranks | Yes | Yes, plus achievements | No |
| Decimal balances | Per point type setting | Whole points in practice (see below) | Store price decimals |
| Transaction log | Every transaction | Earnings shown with blocks and shortcodes | Full history, admin view |
Hooks you should leave off on a rewards site
All three plugins can award points or credit for site activity. On a site that runs an offerwall, keep your currency tied to completed offers: do not hand out points for reviews, likes, follows, or invites. Those rewards attract fake accounts and can break the rules of the platforms involved.
How each works as a reward destination in the Moonetix Offerwall plugin
The free Moonetix Offerwall plugin lets you choose where rewards go under Settings, Rewards: its own built-in balance, myCred, GamiPress, or TeraWallet. Each option appears only when that plugin is active. The plugin verifies each postback, credits each transaction once, and on a reversal takes back exactly what it credited.
| Destination | What the plugin does | Set this in your Moonetix dashboard |
|---|---|---|
| myCred | Adds the reward to the point type you choose, with a log entry per offer, and subtracts it on a reversal | Reward rounding that matches the point type’s decimals |
| GamiPress | Rounds each reward to a whole number and awards it to the points type you choose; deducts it on a reversal | Whole numbers and a rate such as 1,000 per $1, so nothing is lost to rounding |
| TeraWallet | Divides the reward by your points for 1 unit rate, rounds to your store’s price decimals, and adds it as money | Any currency; or name it after your store currency and enter 1 as the rate to skip the conversion |
One offer in all three destinations
Illustrative numbers: an offer earns you $0.80, your conversion rate is 1,000 and your split to user is 50%. Moonetix sends a reward of 400. myCred adds 400 points, GamiPress adds 400 points, and TeraWallet with a rate of 1,000 points per 1 USD adds $0.40. With a rate of 100 instead, the same split gives 40, or $0.04 in the wallet. Try your own numbers in the virtual currency calculator.
Three details matter in practice:
- Reversals can go below zero. If a user already spent a reward that is later reversed, the plugin takes it back anyway. In TeraWallet the wallet can go negative; myCred and GamiPress handle it the way they are configured. Publisher earnings and reversals explains why reversals happen.
- Small TeraWallet rewards can vanish. A reward that is under one cent after conversion adds nothing, so keep the rate low enough that small offers still count.
- Switching a plugin off pauses crediting. If the chosen plugin is inactive, or TeraWallet refuses a credit because a wallet is locked, the plugin answers with an error, Moonetix sends the postback again later, and the settings page shows a warning.
For picking the rate itself, see How to set your virtual currency exchange rate and Set up your app currency.
Which one should you choose?
- A rewards site that pays cash or gift cards: myCred, because cashCred and checkout payments are in the free plugin, or the Moonetix plugin’s built-in balance if you pay users manually. Rewards site payout methods compares payout rails.
- A community or course site with badges and levels: GamiPress, budgeting for the add-ons you need.
- A WooCommerce store: TeraWallet, so rewards become store credit that customers spend with partial payments.
- Not sure yet: start with the built-in balance. You can move to a points plugin later, but balances already credited stay where they are, so choose before launch if you can.
Building the whole site from scratch? How to build a rewards site on WordPress covers the rest of the stack.
Credit offerwall rewards to the plugin you already use
Moonetix is an affiliate network. With the free Moonetix Offerwall plugin, your users earn your points for completed offers, and every signed postback is credited once to your built-in balance, myCred, GamiPress, or TeraWallet. Every publisher application is reviewed by hand. Sign up free, or read the WordPress setup guide.
Frequently asked questions
Is myCred or GamiPress better?
It depends on what users do with points. myCred includes more spending and cash-out tools in its free plugin. GamiPress is stronger on achievements and ranks and sells payouts and checkout payments as add-ons.
Are myCred, GamiPress, and TeraWallet free?
All three are free on WordPress.org. myCred and GamiPress sell premium add-ons, and TeraWallet sells a Pro version with withdrawals, expiry, and coupons.
Can users cash out points with GamiPress?
Yes, with the paid Points Payouts add-on, which handles withdrawal requests at a rate you set. You still send the money yourself.
Does TeraWallet work without WooCommerce?
No. It requires WooCommerce 7.2 or newer, and balances are money in your store currency.
Why does GamiPress round offerwall rewards?
GamiPress counts whole points, so the Moonetix Offerwall plugin rounds each reward. Set whole-number rounding and a rate such as 1,000 per $1 in your Moonetix dashboard and nothing is lost.
Can I switch from one points plugin to another later?
You can change the destination at any time, but past rewards stay in the old plugin and reversals of them are taken from where they were credited. Choose before launch to avoid split balances.
