diff --git a/messages/de.json b/messages/de.json
index 6061798f..be335c67 100644
--- a/messages/de.json
+++ b/messages/de.json
@@ -267,7 +267,9 @@
     "policyConsentRequired": "Sie müssen den Geschäftsrichtlinien zustimmen, bevor Sie Ihre Bestellung aufgeben",
     "iAgreeToThe": "Ich stimme zu",
     "policySeparatorComma": ", ",
-    "policySeparatorAnd": " und "
+    "policySeparatorAnd": " und ",
+    "failedToApplyStoreCredit": "Guthaben konnte nicht angewendet werden. Bitte versuchen Sie es erneut.",
+    "storeCreditPartiallyCovers": "Ihr Guthaben deckt einen Teil dieser Bestellung. {amount} sind noch offen — wählen Sie eine andere Zahlungsart, um abzuschließen."
   },
   "address": {
     "firstName": "Vorname",
diff --git a/messages/en.json b/messages/en.json
index 8c5a8807..a063f3fc 100644
--- a/messages/en.json
+++ b/messages/en.json
@@ -267,7 +267,9 @@
     "policyConsentRequired": "You must agree to the store policies before placing your order",
     "iAgreeToThe": "I agree to the",
     "policySeparatorComma": ", ",
-    "policySeparatorAnd": " and "
+    "policySeparatorAnd": " and ",
+    "failedToApplyStoreCredit": "Failed to apply store credit. Please try again.",
+    "storeCreditPartiallyCovers": "Your store credit covers part of this order. {amount} is still due — choose another payment method to finish."
   },
   "address": {
     "firstName": "First name",
diff --git a/messages/es.json b/messages/es.json
index 9db1c1d4..508c7841 100644
--- a/messages/es.json
+++ b/messages/es.json
@@ -267,7 +267,9 @@
     "policyConsentRequired": "Debes aceptar las politicas de la tienda antes de realizar tu pedido",
     "iAgreeToThe": "Acepto las",
     "policySeparatorComma": ", ",
-    "policySeparatorAnd": " y "
+    "policySeparatorAnd": " y ",
+    "failedToApplyStoreCredit": "No se pudo aplicar el crédito de la tienda. Inténtalo de nuevo.",
+    "storeCreditPartiallyCovers": "Tu crédito de la tienda cubre parte de este pedido. Aún quedan {amount} — elige otro método de pago para finalizar."
   },
   "address": {
     "firstName": "Nombre",
diff --git a/messages/fr.json b/messages/fr.json
index 81e2ecaf..ec82ce81 100644
--- a/messages/fr.json
+++ b/messages/fr.json
@@ -267,7 +267,9 @@
     "policyConsentRequired": "Vous devez accepter les politiques du magasin avant de passer votre commande",
     "iAgreeToThe": "J'accepte les",
     "policySeparatorComma": ", ",
-    "policySeparatorAnd": " et "
+    "policySeparatorAnd": " et ",
+    "failedToApplyStoreCredit": "Impossible d'appliquer l'avoir. Veuillez réessayer.",
+    "storeCreditPartiallyCovers": "Votre avoir couvre une partie de cette commande. Il reste {amount} à payer — choisissez un autre moyen de paiement pour finaliser."
   },
   "address": {
     "firstName": "Prenom",
diff --git a/messages/pl.json b/messages/pl.json
index 22ac0a33..b5d2b62a 100644
--- a/messages/pl.json
+++ b/messages/pl.json
@@ -267,7 +267,9 @@
     "policyConsentRequired": "Musisz zaakceptować regulamin sklepu przed złożeniem zamówienia",
     "iAgreeToThe": "Zgadzam się z",
     "policySeparatorComma": ", ",
-    "policySeparatorAnd": " i "
+    "policySeparatorAnd": " i ",
+    "failedToApplyStoreCredit": "Nie udało się użyć środków na koncie. Spróbuj ponownie.",
+    "storeCreditPartiallyCovers": "Środki na koncie pokrywają część tego zamówienia. Do zapłaty pozostaje {amount} — wybierz inną metodę płatności, aby zakończyć."
   },
   "address": {
     "firstName": "Imię",
diff --git a/src/app/[country]/[locale]/(checkout)/checkout/[id]/CheckoutPageContent.tsx b/src/app/[country]/[locale]/(checkout)/checkout/[id]/CheckoutPageContent.tsx
index 79622303..89406688 100644
--- a/src/app/[country]/[locale]/(checkout)/checkout/[id]/CheckoutPageContent.tsx
+++ b/src/app/[country]/[locale]/(checkout)/checkout/[id]/CheckoutPageContent.tsx
@@ -740,6 +740,7 @@ function CheckoutPageContentInner({
             fetchStates={fetchStates}
             onUpdateBillingAddress={handleUpdateBillingAddress}
             onPaymentComplete={handlePaymentComplete}
+            onCartUpdate={setCart}
             processing={processing}
             setProcessing={setProcessing}
             onSessionMethodChange={setIsSessionPayment}
diff --git a/src/components/checkout/PaymentSection.tsx b/src/components/checkout/PaymentSection.tsx
index ac3b3d63..679451a7 100644
--- a/src/components/checkout/PaymentSection.tsx
+++ b/src/components/checkout/PaymentSection.tsx
@@ -39,6 +39,7 @@ import { RadioGroup, RadioGroupItem } from "@/components/ui/radio-group";
 import { useCountryStates } from "@/hooks/useCountryStates";
 import { getCreditCards } from "@/lib/data/credit-cards";
 import {
+  applyStoreCredit,
   createCheckoutPaymentSession,
   createDirectPayment,
   updateCheckoutPaymentSession,
@@ -72,6 +73,7 @@ interface PaymentSectionProps {
     use_shipping?: boolean;
   }) => Promise<boolean>;
   onPaymentComplete: (result: PaymentCompleteResult) => Promise<void>;
+  onCartUpdate?: (cart: Cart) => void;
   processing: boolean;
   setProcessing: (processing: boolean) => void;
   onSessionMethodChange?: (isSessionBased: boolean) => void;
@@ -86,6 +88,7 @@ export function PaymentSection({
   fetchStates,
   onUpdateBillingAddress,
   onPaymentComplete,
+  onCartUpdate,
   processing,
   setProcessing,
   onSessionMethodChange,
@@ -616,6 +619,37 @@ export function PaymentSection({
               return {};
             }
 
+            // Store credit is drawn through its own endpoint, which returns the
+            // cart: a balance spread over several credits takes more than one
+            // payment, so there is no single payment to create.
+            if (selectedMethod.type === "store_credit") {
+              const creditResult = await applyStoreCredit(cart.id);
+              if (!creditResult.success) {
+                const msg = creditResult.error || t("failedToApplyStoreCredit");
+                setGatewayError(msg);
+                setProcessing(false);
+                return { error: msg };
+              }
+
+              // The credit is applied either way, so the parent's cart is now
+              // stale — hand it the new totals before deciding what to do.
+              onCartUpdate?.(creditResult.cart);
+
+              // Credit covering only part of the order leaves a balance for
+              // another method. What was applied stands.
+              if (!creditResult.cart.covered_by_store_credit) {
+                const msg = t("storeCreditPartiallyCovers", {
+                  amount: creditResult.cart.display_amount_due ?? "",
+                });
+                setGatewayError(msg);
+                setProcessing(false);
+                return { error: msg };
+              }
+
+              await onPaymentComplete({ type: "direct" });
+              return {};
+            }
+
             // Direct payment flow (Check, Cash on Delivery, etc.)
             const paymentResult = await createDirectPayment(
               cart.id,
@@ -651,6 +685,7 @@ export function PaymentSection({
       billAddress,
       onUpdateBillingAddress,
       onPaymentComplete,
+      onCartUpdate,
       cart.id,
       setProcessing,
       t,
@@ -881,18 +916,6 @@ export function PaymentSection({
                         </div>
                       )}
 
-                      {/* Shared: gateway error */}
-                      {gatewayError && !loading && (
-                        <div className="px-4 py-3">
-                          <div className="rounded-sm border border-red-300 bg-red-50 px-4 py-3">
-                            <p className="text-sm text-red-700 flex items-center gap-2">
-                              <CircleAlert className="h-4 w-4 flex-shrink-0" />
-                              {gatewayError}
-                            </p>
-                          </div>
-                        </div>
-                      )}
-
                       {/* Gateway-specific payment form */}
                       {!loading &&
                         sessionExternalData &&
@@ -984,6 +1007,17 @@ export function PaymentSection({
         })}
       </RadioGroup>
 
+      {/* Payment error — outside the method list so it reaches every method,
+          not only the session-based ones that mount a gateway form. */}
+      {gatewayError && !loading && (
+        <div className="mt-3 rounded-sm border border-red-300 bg-red-50 px-4 py-3">
+          <p className="text-sm text-red-700 flex items-center gap-2">
+            <CircleAlert className="h-4 w-4 flex-shrink-0" />
+            {gatewayError}
+          </p>
+        </div>
+      )}
+
       {/* Billing address — below payment box */}
       <div className="mt-4">
         <label className="flex items-center gap-2.5 cursor-pointer">
diff --git a/src/lib/data/__tests__/payment.test.ts b/src/lib/data/__tests__/payment.test.ts
index cfffee29..650e3ef1 100644
--- a/src/lib/data/__tests__/payment.test.ts
+++ b/src/lib/data/__tests__/payment.test.ts
@@ -9,6 +9,9 @@ const mockClient = {
       create: vi.fn(),
       complete: vi.fn(),
     },
+    storeCredits: {
+      apply: vi.fn(),
+    },
   },
 };
 
@@ -35,6 +38,7 @@ vi.mock("next/cache", () => ({
 }));
 
 import {
+  applyStoreCredit,
   completeCheckoutOrder,
   completeCheckoutPaymentSession,
   confirmPaymentAndCompleteCart,
@@ -103,6 +107,56 @@ describe("payment server actions", () => {
     });
   });
 
+  describe("applyStoreCredit", () => {
+    it("returns the updated cart", async () => {
+      const coveredCart = {
+        id: "cart-1",
+        amount_due: "0.0",
+        covered_by_store_credit: true,
+      };
+      mockClient.carts.storeCredits.apply.mockResolvedValue(coveredCart);
+
+      const result = await applyStoreCredit("cart-1");
+
+      // No amount — draws the whole outstanding balance, across as many
+      // credits as it takes.
+      expect(mockClient.carts.storeCredits.apply).toHaveBeenCalledWith(
+        "cart-1",
+        undefined,
+        { spreeToken: "order-token-123", token: undefined },
+      );
+      expect(result).toEqual({ success: true, cart: coveredCart });
+    });
+
+    it("reports a balance the credit did not cover", async () => {
+      mockClient.carts.storeCredits.apply.mockResolvedValue({
+        id: "cart-1",
+        amount_due: "25.0",
+        display_amount_due: "$25.00",
+        covered_by_store_credit: false,
+      });
+
+      const result = await applyStoreCredit("cart-1");
+
+      expect(result.success).toBe(true);
+      expect(result.success && result.cart.covered_by_store_credit).toBe(false);
+      expect(result.success && result.cart.display_amount_due).toBe("$25.00");
+    });
+
+    it("returns error on failure", async () => {
+      mockClient.carts.storeCredits.apply.mockRejectedValue(
+        new Error("User does not have any Store Credits available"),
+      );
+
+      const result = await applyStoreCredit("cart-1");
+
+      expect(result).toEqual({
+        success: false,
+        error: "User does not have any Store Credits available",
+      });
+    });
+  });
+
   describe("completeCheckoutPaymentSession", () => {
     it("returns success with session", async () => {
       const completedSession = { ...mockSession, status: "completed" };
diff --git a/src/lib/data/payment.ts b/src/lib/data/payment.ts
index e3e20851..e29cfb3e 100644
--- a/src/lib/data/payment.ts
+++ b/src/lib/data/payment.ts
@@ -1,6 +1,6 @@
 "use server";
 
-import type { Order } from "@spree/sdk";
+import type { Cart, Order } from "@spree/sdk";
 import { updateTag } from "next/cache";
 import {
   cacheTagSuffix,
@@ -74,6 +74,9 @@ export async function updateCheckoutPaymentSession(
 /**
  * Creates a direct payment for non-session payment methods
  * (e.g. Check, Cash on Delivery, Bank Transfer).
+ *
+ * Store credit is not one of them — use {@link applyStoreCredit} instead.
+ * Passing it here is refused with a `store_credits_endpoint_required` error.
  */
 export async function createDirectPayment(
   cartId: string,
@@ -93,6 +96,32 @@ export async function createDirectPayment(
   }, "Failed to create payment");
 }
 
+/**
+ * Applies the customer's store credit to the cart.
+ *
+ * Store credit is a non-session method but is not created through the payments
+ * endpoint: a balance spread over several credits takes more than one payment
+ * to draw, so the API applies it here and answers with the updated cart. Read
+ * `amount_due` on the result to see whether anything is still to collect.
+ */
+export async function applyStoreCredit(
+  cartId: string,
+): Promise<{ success: true; cart: Cart } | { success: false; error: string }> {
+  return actionResult(async () => {
+    const surface = await resolveSurfaceForCart(cartId);
+    const options = await getCartOptions(surface);
+    const id = await requireCartId(surface);
+    const cart = await getClientForSurface(surface).carts.storeCredits.apply(
+      id,
+      undefined,
+      options,
+    );
+    updateTag(checkoutTag(surface));
+    updateTag(cartTag(surface));
+    return { cart };
+  }, "Failed to apply store credit");
+}
+
 export async function completeCheckoutPaymentSession(
   cartId: string,
   sessionId: string,