I know I was just teasing.
The original reason, just FYI, for the points being a "payment method" was to reduce changes to X-cart. But possibly this isn't necessary anymore.
You can "fake it" and do it earlier if you know what you're doing I bet.
I could try to comment on how points do for us. We find a lot of people do reward points on our site. Maybe because it's more geared toward business owners. There are those few people that have thousands of points worth lots of $, but most people regularly use theirs.
We do:
Spend $1, you get 1 point.
Every 15 points equal $1.
That equates to approximately 6.67% of your order back as a discount on your next order.
So you spend $100 with us, you get $6.67 back on your next order.
I think a lot of reward programs are much smaller percent, like 1-3%.
Carrie