I don't speak lawyer, but here's an excerpt from Florida's law: > (a) “Credit memo” means a certificate, card, stored value card, or similar instrument issued

I don't speak lawyer, but here's an excerpt from Florida's law: > (a) “Credit memo” means a certificate, card, stored value card, or similar instrument issued in exchange for returned merchandise when the certificate, card, or similar instrument is redeemable for merchandise, food, or services regardless of whether any cash may be paid to the owner of the certificate, card, or instrument as part of the redemption transaction. http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0500-0599/0501/Sections/0501.95.html http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Displ... Would "or similar" suffice?