I recently had a similar request from a client referral. After taking what seemed like a lifetime to understand the project’s immediate and long-term goals, we decided to forgo WordPress entirely, and instead used Cyclos, an open-source software specifically built for barters and community trading networks.
In my research, I couldn’t find any all-in-one WordPress plugin to do this. But in a typical WordPress-style, it’s certainly possible to integrate a couple of plugins to get to a “good-enough” solution.
In my case, my WordPress-based solution was to use the free MyCred plugin (along with some paid extensions) to handle the points system to act as some sort of internal currency. GamiPress was also highly recommended.
And for the services, I decided on the Amelia plugin. This was well-suited for my particular project, as the client’s immediate services were all the “appointment” type. If you’re dealing with a more general “services”, you may find a microjobs (aka Fiver clone) themes or plugins more useful.
The last piece of the puzzle would have been to write custom code to integrate the two, so the points could be used as a payment option when booking appointments (or ordering services, in your case).
I’ve seen WooCommercial which offers a credit system but the intention of WooCommerical is a self-owned shop, not a portal w/ mailbox function.
I believe you meant Woocommmerce, not “WooCommercial”?
There are several Woocommerce add-ons out there that turn Woocommerce into a multi-vendor marketplace, so this limitation that you mention can easily be overcome. See:
https://wordpress.org/plugins/dc-woocommerce-multi-vendor/
https://wordpress.org/plugins/wc-multivendor-marketplace/
https://wordpress.org/plugins/wc-vendors/
https://wordpress.org/plugins/dokan-lite/