Steps:
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Customer needs to login to their account on the store using email / password. Or, just using email if you are using "New" Shopify customer accounts.
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Click into shopping cart.

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Customers with available store credit will be able to view their wallet widget, click the 'Online Credit' button.
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Customer can then select the amount of credit they'd like to use, then click the 'Checkout' button.

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Customer will be redirected to checkout page, with store credit applied to their order.
