diff --git a/Cargo.lock b/Cargo.lock
index 7e3d576..50d56ca 100644
--- a/Cargo.lock
+++ b/Cargo.lock
@@ -2135,7 +2135,7 @@ checksum = "0c520e05135d6e763148b6426a837e239041653ba7becd2e538c076c738025fc"
 
 [[package]]
 name = "pay_u"
-version = "0.1.6"
+version = "0.1.7"
 dependencies = [
  "chrono",
  "derive_more",
diff --git a/api/src/actors/payment_manager.rs b/api/src/actors/payment_manager.rs
index 14b58a8..5283258 100644
--- a/api/src/actors/payment_manager.rs
+++ b/api/src/actors/payment_manager.rs
@@ -153,10 +153,14 @@ pub(crate) async fn request_payment(
         client
             .lock()
             .create_order(
-                OrderCreateRequest::new(msg.buyer.into(), msg.customer_ip, msg.currency)
-                    .with_description(msg.description)
-                    .with_notify_url(msg.redirect_uri)
-                    .with_products(msg.products.into_iter().map(Into::into)),
+                OrderCreateRequest::build(
+                    msg.buyer.into(),
+                    msg.customer_ip,
+                    msg.currency,
+                    msg.description,
+                )?
+                .with_notify_url(msg.redirect_uri)
+                .with_products(msg.products.into_iter().map(Into::into)),
             )
             .await?
     };
diff --git a/pay_u/Cargo.toml b/pay_u/Cargo.toml
index 6df8610..9ab6bb9 100644
--- a/pay_u/Cargo.toml
+++ b/pay_u/Cargo.toml
@@ -1,7 +1,7 @@
 [package]
 name = "pay_u"
 description = "PayU Rest API wrapper"
-version = "0.1.6"
+version = "0.1.7"
 edition = "2021"
 license = "MIT"
 
diff --git a/pay_u/README.md b/pay_u/README.md
index 925674e..084f6f5 100644
--- a/pay_u/README.md
+++ b/pay_u/README.md
@@ -17,11 +17,13 @@ async fn usage() {
     client.authorize().await.expect("Invalid credentials");
 
     let _res = client.create_order(
-        OrderCreateRequest::new(
+        OrderCreateRequest::build(
             Buyer::new("john.doe@example.com", "654111654", "John", "Doe", "pl"),
             "127.0.0.1",
             "PLN",
+            "Some description"
         )
+            .expect("All required fields must be valid")
             // Endpoint which will be requested by PayU with payment status update
             .with_notify_url("https://your.eshop.com/notify")
             // payment description (MANDATORY)
@@ -94,6 +96,10 @@ async fn handle_notification(path: Path<i32>, Json(notify): Json<pay_u::notify::
 }
 ```
 
+### Releases
+
+0.1.7 - Added credit and more create order request options like additional description, visible description. 
+
 ## Bugs
 
 Please report bugs here: https://todo.sr.ht/~tsumanu/payu-rs
diff --git a/pay_u/src/lib.rs b/pay_u/src/lib.rs
index c7582f7..317411b 100644
--- a/pay_u/src/lib.rs
+++ b/pay_u/src/lib.rs
@@ -198,19 +198,86 @@ pub enum RefundStatus {
     Completed,
 }
 
+#[derive(Serialize, Deserialize, Debug, Default)]
+#[serde(rename_all = "camelCase")]
+pub struct Delivery {
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Street name
+    street: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Postal box number
+    postal_box: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Postal code
+    postal_code: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// City
+    city: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Province
+    state: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Two-letter country code compliant with ISO-3166.
+    country_code: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Address description
+    name: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Recipient’s name
+    recipient_name: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Recipient’s e-mail address
+    recipient_email: Option<String>,
+
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// Recipient’s phone number
+    recipient_phone: Option<String>,
+}
+
+#[derive(Serialize, Deserialize, Debug, Default)]
+#[serde(rename_all = "camelCase")]
+pub struct BuyerShippingAddress {
+    #[serde(skip_serializing_if = "Option::is_none")]
+    /// stores the shipping address
+    delivery: Option<Delivery>,
+}
+
+impl BuyerShippingAddress {
+    pub fn new_with_delivery(delivery: Delivery) -> Self {
+        Self {
+            delivery: Some(delivery),
+        }
+    }
+}
+
 #[derive(Serialize, Deserialize, Debug, Default)]
 #[serde(rename_all = "camelCase")]
 pub struct Buyer {
     /// Required customer e-mail
-    email: String,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    email: Option<String>,
     /// Required customer phone number
-    phone: String,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    phone: Option<String>,
     /// Required customer first name
-    first_name: String,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    first_name: Option<String>,
     /// Required customer last name
-    last_name: String,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    last_name: Option<String>,
     /// Required customer language
-    language: String,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    language: Option<String>,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    delivery: Option<BuyerShippingAddress>,
 }
 
 impl Buyer {
@@ -229,62 +296,68 @@ impl Buyer {
         Language: Into<String>,
     {
         Self {
-            email: email.into(),
-            phone: phone.into(),
-            first_name: first_name.into(),
-            last_name: last_name.into(),
-            language: lang.into(),
+            email: Some(email.into()),
+            phone: Some(phone.into()),
+            first_name: Some(first_name.into()),
+            last_name: Some(last_name.into()),
+            language: Some(lang.into()),
+            delivery: None,
         }
     }
 
     pub fn email(&self) -> &str {
-        &self.email
+        self.email.as_deref().unwrap_or_default()
     }
     pub fn with_email<S>(mut self, email: S) -> Self
     where
         S: Into<String>,
     {
-        self.email = email.into();
+        self.email = Some(email.into());
         self
     }
     pub fn phone(&self) -> &str {
-        &self.phone
+        self.phone.as_deref().unwrap_or_default()
     }
     pub fn with_phone<S>(mut self, phone: S) -> Self
     where
         S: Into<String>,
     {
-        self.phone = phone.into();
+        self.phone = Some(phone.into());
         self
     }
     pub fn first_name(&self) -> &str {
-        &self.first_name
+        self.first_name.as_deref().unwrap_or_default()
     }
     pub fn with_first_name<S>(mut self, first_name: S) -> Self
     where
         S: Into<String>,
     {
-        self.first_name = first_name.into();
+        self.first_name = Some(first_name.into());
         self
     }
     pub fn last_name(&self) -> &str {
-        &self.last_name
+        self.last_name.as_deref().unwrap_or_default()
     }
     pub fn with_last_name<S>(mut self, last_name: S) -> Self
     where
         S: Into<String>,
     {
-        self.last_name = last_name.into();
+        self.last_name = Some(last_name.into());
         self
     }
     pub fn language(&self) -> &str {
-        &self.language
+        self.language.as_deref().unwrap_or_default()
     }
     pub fn with_language<S>(mut self, language: S) -> Self
     where
         S: Into<String>,
     {
-        self.language = language.into();
+        self.language = Some(language.into());
+        self
+    }
+
+    pub fn with_delivery(mut self, delivery: Delivery) -> Self {
+        self.delivery = Some(BuyerShippingAddress::new_with_delivery(delivery));
         self
     }
 }
@@ -306,6 +379,14 @@ pub struct Product {
         deserialize_with = "deserialize::deserialize_u32"
     )]
     pub quantity: Quantity,
+    /// Product type, which can be virtual or material; (possible values true or
+    /// false).
+    #[serde(rename = "virtual", skip_serializing_if = "Option::is_none")]
+    pub virtual_product: Option<bool>,
+    /// Marketplace date from which the product (or offer) is available, ISO
+    /// format applies, e.g. "2019-03-27T10:57:59.000+01:00".
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub listing_date: Option<chrono::NaiveDateTime>,
 }
 
 impl Product {
@@ -314,8 +395,238 @@ impl Product {
             name: name.into(),
             unit_price,
             quantity,
+            virtual_product: None,
+            listing_date: None,
         }
     }
+
+    /// Product type, which can be virtual or material; (possible values true or
+    /// false).
+    pub fn into_virtual(mut self) -> Self {
+        self.virtual_product = Some(true);
+        self
+    }
+
+    /// Product type, which can be virtual or material; (possible values true or
+    /// false).
+    pub fn non_virtual(mut self) -> Self {
+        self.virtual_product = Some(false);
+        self
+    }
+
+    /// Marketplace date from which the product (or offer) is available, ISO
+    /// format applies, e.g. "2019-03-27T10:57:59.000+01:00".
+    pub fn with_listing_date(mut self, listing_date: chrono::NaiveDateTime) -> Self {
+        self.listing_date = Some(listing_date);
+        self
+    }
+
+    fn erase_listing_date(mut self) -> Self {
+        self.listing_date = None;
+        self
+    }
+}
+
+#[derive(Serialize, Deserialize, Debug)]
+#[serde(rename_all = "camelCase")]
+pub struct ShoppingCart {
+    /// Section containing data of shipping method.
+    #[serde(skip_serializing_if = "Option::is_none")]
+    shopping_method: Option<ShoppingMethod>,
+    /// Section containing data about ordered products.
+    /// > Note: product objects in the <shoppingCart.products> section do not
+    /// > have a listingDate field
+    #[serde(skip_serializing_if = "Option::is_none")]
+    products: Option<Vec<Product>>,
+    /// Submerchant identifier. This field should be consistent with field
+    /// extCustomerId in shoppingCarts section when order is placed in
+    /// marketplace.
+    ext_customer_id: String,
+}
+
+impl ShoppingCart {
+    pub fn new<ExtCustomerId, Products>(ext_customer_id: ExtCustomerId) -> Self
+    where
+        ExtCustomerId: Into<String>,
+    {
+        Self {
+            shopping_method: None,
+            ext_customer_id: ext_customer_id.into(),
+            products: None,
+        }
+    }
+
+    pub fn new_with_products<ExtCustomerId, Products>(
+        ext_customer_id: ExtCustomerId,
+        products: Products,
+    ) -> Self
+    where
+        ExtCustomerId: Into<String>,
+        Products: Iterator<Item = Product>,
+    {
+        Self {
+            shopping_method: None,
+            ext_customer_id: ext_customer_id.into(),
+            products: Some(products.map(Product::erase_listing_date).collect()),
+        }
+    }
+
+    pub fn with_products<Products>(mut self, products: Products) -> Self
+    where
+        Products: Iterator<Item = Product>,
+    {
+        self.products = Some(products.map(Product::erase_listing_date).collect());
+        self
+    }
+
+    /// Section containing data of shipping method.
+    pub fn shopping_method(&self) -> &Option<ShoppingMethod> {
+        &self.shopping_method
+    }
+
+    /// Section containing data about ordered products.
+    /// > Note: product objects in the <shoppingCart.products> section do not
+    /// > have a listingDate field
+    pub fn products(&self) -> &Option<Vec<Product>> {
+        &self.products
+    }
+
+    /// Submerchant identifier. This field should be consistent with field
+    /// extCustomerId in shoppingCarts section when order is placed in
+    /// marketplace.
+    pub fn ext_customer_id(&self) -> &String {
+        &self.ext_customer_id
+    }
+}
+
+/// Type of shipment
+#[derive(Serialize, Deserialize, Debug)]
+#[serde(rename_all = "SCREAMING_SNAKE_CASE")]
+pub enum ShoppingMethodType {
+    Courier,
+    CollectionPointPickup,
+    ParcelLocker,
+    StorePickup,
+}
+
+#[derive(Serialize, Deserialize, Debug)]
+#[serde(rename_all = "camelCase")]
+pub struct Address {
+    /// The full name of the pickup point, including its unique identifier, e.g.
+    /// „Parcel locker POZ29A”.
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub point_id: Option<String>,
+    /// Street name, possibly including house and flat number.
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub street: Option<String>,
+    /// Street number
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub street_no: Option<String>,
+    /// Flat number
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub flat_no: Option<String>,
+    /// Postal code
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub postal_code: Option<String>,
+    /// City
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub city: Option<String>,
+    /// Two-letter country code compliant with ISO-3166
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub country_code: Option<String>,
+}
+
+#[derive(Serialize, Deserialize, Debug)]
+#[serde(rename_all = "camelCase")]
+pub struct ShoppingMethod {
+    /// Shipping type
+    /// Recommended
+    #[serde(rename = "type", skip_serializing_if = "Option::is_none")]
+    pub shopping_type: Option<ShoppingMethodType>,
+    /// Shipping cost
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub price: Option<String>,
+    /// Section containing data about shipping address.
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    pub address: Option<Address>,
+}
+
+#[derive(Serialize, Deserialize, Debug)]
+#[serde(rename_all = "camelCase")]
+pub struct ApplicantAdditionalInfo {
+    /// Information whether there were previous, successfully completed orders
+    /// for applicant.
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    has_successfully_finished_order_in_shop: Option<String>,
+}
+
+#[derive(Serialize, Deserialize, Debug)]
+#[serde(rename_all = "camelCase")]
+pub struct Applicant {
+    /// Applicant’s email address
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    email: Option<String>,
+    /// Applicant’s phone number
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    phone: Option<String>,
+    /// Applicant’s first name
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    first_name: Option<String>,
+    /// Applicant’s last name
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    last_name: Option<String>,
+    /// Language code, ISO-639-1 compliant. Denotes the language version of
+    /// PayU hosted payment page and of e-mail messages sent from PayU to the
+    /// payer (supported values are here).
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    language: Option<String>,
+    /// National Identification Number
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    nin: Option<String>,
+    /// Section containing data about applicant’s address.
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    address: Option<Address>,
+    /// Additional information about person applying for credit.
+    /// Recommended
+    #[serde(skip_serializing_if = "Option::is_none")]
+    additional_info: Option<ApplicantAdditionalInfo>,
+}
+
+#[derive(Serialize, Deserialize, Debug, Default)]
+#[serde(rename_all = "camelCase")]
+pub struct Credit {
+    /// Section containing data of the ordered products
+    #[serde(skip_serializing_if = "Option::is_none")]
+    shopping_carts: Option<Vec<ShoppingCart>>,
+    /// Section containing data of person applying for a credit
+    #[serde(skip_serializing_if = "Option::is_none")]
+    applicant: Option<Applicant>,
+}
+
+impl Credit {
+    pub fn with_shopping_carts<ShoppingCarts>(mut self, shopping_carts: ShoppingCarts) -> Self
+    where
+        ShoppingCarts: Iterator<Item = ShoppingCart>,
+    {
+        self.shopping_carts = Some(shopping_carts.collect());
+        self
+    }
 }
 
 /// MultiUseCartToken
@@ -504,9 +815,12 @@ pub struct OrderCreateRequest {
     /// number etc) visible on card statement (max. 22 chars). The name should
     /// be easy to recognize by the cardholder (e.g "shop.com 124343"). If field
     /// is not provided, static name configured by PayU will be used.
+    #[serde(skip_serializing_if = "Option::is_none")]
     statement_description: Option<String>,
     #[serde(flatten, skip_serializing_if = "Option::is_none")]
     muct: Option<muct::MultiUseCartToken>,
+    #[serde(skip_serializing_if = "Option::is_none")]
+    credit: Option<Credit>,
 }
 
 impl OrderCreateRequest {
@@ -542,6 +856,7 @@ impl OrderCreateRequest {
             visible_description: None,
             statement_description: None,
             muct: None,
+            credit: None,
         })
     }
 
@@ -560,26 +875,6 @@ impl OrderCreateRequest {
         self
     }
 
-    ///  Additional description of the order.
-    pub fn with_additional_description<S: Into<String>>(
-        mut self,
-        additional_description: S,
-    ) -> Self {
-        self.additional_description = Some(additional_description.into());
-        self
-    }
-
-    ///  Text visible on the PayU payment page (max. 80 chars).
-    pub fn with_visible_description(mut self, visible_description: &str) -> Self {
-        let visible_description = if visible_description.len() > 60 {
-            &visible_description[..60]
-        } else {
-            visible_description
-        };
-        self.visible_description = Some(String::from(visible_description));
-        self
-    }
-
     pub fn with_multi_use_token(
         mut self,
         recurring: muct::Recurring,
@@ -613,6 +908,9 @@ impl OrderCreateRequest {
         self
     }
 
+    /// Description of the an order.
+    ///
+    /// > This method will override initial description!
     pub fn with_description<Description>(mut self, desc: Description) -> Self
     where
         Description: Into<String>,
@@ -621,6 +919,38 @@ impl OrderCreateRequest {
         self
     }
 
+    /// Additional description of the order.
+    pub fn with_additional_description<S: Into<String>>(
+        mut self,
+        additional_description: S,
+    ) -> Self {
+        self.additional_description = Some(additional_description.into());
+        self
+    }
+
+    /// Text visible on the PayU payment page (max. 80 chars).
+    pub fn with_visible_description(mut self, visible_description: &str) -> Self {
+        let visible_description = if visible_description.len() > 60 {
+            &visible_description[..60]
+        } else {
+            visible_description
+        };
+        self.visible_description = Some(String::from(visible_description));
+        self
+    }
+
+    /// Payment recipient name followed by payment description (order ID, ticket
+    /// number etc) visible on card statement (max. 22 chars). The name should
+    /// be easy to recognize by the cardholder (e.g "shop.com 124343"). If field
+    /// is not provided, static name configured by PayU will be used.
+    pub fn with_statement_description<Description>(mut self, desc: Description) -> Self
+    where
+        Description: Into<String>,
+    {
+        self.statement_description = Some(String::from(desc.into().trim()));
+        self
+    }
+
     /// Add url to which PayU will be able to send http request with payment
     /// status updates
     ///
@@ -635,6 +965,28 @@ impl OrderCreateRequest {
         self
     }
 
+    /// Address for redirecting the customer after payment is commenced. If the
+    /// payment has not been authorized, error=501 parameter will be added.
+    /// Please note that no decision regarding payment status should be made
+    /// depending on the presence or lack of this parameter (to get payment
+    /// status, wait for notification or retrieve order details).
+    pub fn with_continue_url<ContinueUrl>(mut self, continue_url: ContinueUrl) -> Self
+    where
+        ContinueUrl: Into<String>,
+    {
+        self.continue_url = Some(continue_url.into());
+        self
+    }
+
+    /// Section containing credit data. This information is not required, but it
+    /// is strongly recommended to include it. Otherwise the buyer will be
+    /// prompted to provide missing data on provider page when payment by
+    /// Installments or Pay later.
+    pub fn with_credit(mut self, credit: Credit) -> Self {
+        self.credit = Some(credit);
+        self
+    }
+
     /// URL to which web hook will be send. It's important to return 200 to all
     /// notifications.
     ///
@@ -675,25 +1027,30 @@ impl OrderCreateRequest {
         &self.customer_ip
     }
 
-    ///
     pub fn merchant_pos_id(&self) -> MerchantPosId {
         self.merchant_pos_id
     }
+
     pub fn description(&self) -> &String {
         &self.description
     }
+
     pub fn currency_code(&self) -> &String {
         &self.currency_code
     }
+
     pub fn total_amount(&self) -> &Price {
         &self.total_amount
     }
+
     pub fn buyer(&self) -> &Option<Buyer> {
         &self.buyer
     }
+
     pub fn products(&self) -> &[Product] {
         &self.products
     }
+
     pub fn order_create_date(&self) -> &Option<String> {
         &self.order_create_date
     }