Bonus-program broker
Keep promotional credit proportional to live equity
You issue deposit bonuses or trading credits to attract retention. ChangeCredit ensures credit stays in line with current equity so you never over-extend on shrinking accounts.
MT4 Plugin
Stop managing client credit by hand.
ChangeCredit automatically recalculates and adjusts MT4 trading-account credit balances on your schedule — keeping credit proportional to real equity across any account group, around the clock.
MT4
MT5 — not supported
Standalone — no Bridge required
The Spencer Logic ChangeCredit MT4 Plugin is a server-side plugin for MetaTrader 4 that automatically recalculates and adjusts trading-account credit balances on a configurable schedule. It keeps credit proportional to real equity, zeros out credit on negative or zero-equity accounts, and removes the manual back-office work that bonus, credit, and margin-incentive programs would otherwise create.
Key benefits
Set it and forget it. Built for brokers running credit programs at scale.
Every feature listed here exists because manual credit management at scale is slow, error-prone, and risky.
- ✓ Set it and forget it. Runs on a configurable intraday schedule with zero manual intervention. Once configured, it operates indefinitely.
- ✓ Risk-aware. Automatically zeros out credit on accounts with negative or zero equity — broker-issued credit never extends underwater accounts further.
- ✓ Flexible multipliers. Apply different credit ratios per account without code changes. Different multipliers for retail, VIP, or promotional groups all live in one config.
- ✓ Clean history. Optional suppression of credit-adjustment records in client trade logs keeps the client-facing view tidy without losing the broker-side audit trail.
- ✓ Group targeting. Apply rules only to the account groups you choose. Some groups can be on credit programs while others are explicitly excluded.
- ✓ Built for bonus, credit-facility, and equity-linked margin programs. Three of the most common — and most operationally painful — broker incentive structures, handled by a single plugin.
How it works
Step 01
Configure schedule & rules
Set the recalculation cadence (e.g. hourly, every 4 hours, daily) and define credit multipliers per account group through the admin interface.
Step 02
Plugin runs on schedule
At each scheduled cycle, the plugin walks the targeted account groups, reads current equity, and computes the correct credit balance per account.
Step 03
Atomic credit adjustment
Credit is adjusted up, down, or zeroed in a single operation per account. The full event is logged to the broker-side audit trail.
Who it's for
If you run any credit program on MT4, this is for you.
Three of the most common broker incentive structures — and where ChangeCredit pays for itself in the first month.
Credit-facility broker
Run revolving credit lines without back-office overhead
You offer credit facilities to qualified traders. The plugin adjusts those facilities on schedule based on configured rules — no daily ops review required.
Equity-linked margin broker
Tie margin allowances to live equity automatically
Your margin policy scales with client equity. ChangeCredit applies the multipliers on schedule so margin allowances always reflect current account health.
Pairs well with
Stronger together with the rest of the Spencer Logic stack.
Equity Stop Plugin
ChangeCredit issues credit. Equity Stop walls that credit off from trading losses. Together they make running bonus and credit programs operationally safe instead of structurally risky.
See Equity Stop →Commission & Agent Plugin
Most credit programs are tied to IB incentive structures. Run ChangeCredit alongside the Commission & Agent Plugin to keep credit and IB economics in one coherent system.
See Commission & Agent →Custom Development
Need credit logic the standard plugin doesn't cover — performance-linked credit, regulatory-driven adjustments, white-label-specific rules? Our team extends the plugin codebase directly.
See Custom Development →FAQ
Frequently asked questions.
What is the Spencer Logic ChangeCredit MT4 Plugin?
ChangeCredit is a server-side plugin for MetaTrader 4 that automatically recalculates and adjusts trading account credit balances on a configurable schedule. It keeps credit proportional to real equity across any account group, zeros out credit on negative or zero-equity accounts, and removes the manual back-office overhead of running credit programs at scale.
What problem does ChangeCredit solve?
Brokers running bonus programs, credit facilities, or equity-linked margin incentives normally have to recalculate client credit manually — either through batch jobs or by hand. ChangeCredit eliminates that work and ensures credit always reflects current account equity, on whatever schedule you configure.
Does ChangeCredit work with MT5?
This plugin is purpose-built for MT4. Brokers running comparable credit programs on MT5 should contact Spencer Logic about platform-specific options.
How does the schedule work?
The plugin runs on a configurable intraday schedule — for example every hour, every four hours, or once daily. You set the cadence; the plugin handles the recalculation and adjustment without manual intervention.
What happens to accounts with negative or zero equity?
The plugin is risk-aware: it automatically zeros out credit on accounts with negative or zero equity, so broker-issued credit cannot be over-extended on accounts already in deficit.
Can I apply different credit ratios to different account groups?
Yes. Flexible multipliers let you apply different credit ratios per account group — without writing code. Different rules for retail, professional, or promotional groups all live in the same plugin configuration.
Can credit adjustments be hidden from client trade logs?
Optionally, yes. The plugin includes an option to suppress credit-adjustment records from client-facing trade history, keeping the client experience clean while preserving the full broker-side audit log.
Does ChangeCredit require Spencer Logic's Bridge?
No. ChangeCredit runs natively on the MT4 trade server and works alongside any bridge, liquidity provider, or aggregator you already use.
Last reviewed May 2026 · Spencer Logic