Credit limits for Shopify B2B, explained

Shopify gives you the terms and some tools to collect, and leaves the limit to you. This is what Shopify's own pages say, read on October 22, 2026.

• Payment terms: Net 7, 15, 30, 45, 60 or 90, or due on fulfillment, set per company location, per company or in bulk. A fixed due date works on an individual draft order, not on a location. Shopify B2B runs on the Basic, Grow, Advanced and Plus plans. (payment terms, B2B plan features)
• No automatic capture: Shopify's payment terms page says payments are not captured automatically when terms expire. The order shows as overdue and the buyer can still pay. (payment terms)
• Vaulted cards: a B2B buyer can save a card per company location, and vaulting needs Shopify Payments. (credit card vaulting)
• A Flow action to collect: since June 17, 2026 the Shopify Flow action 'Charge vaulted payment for B2B order' can charge a vaulted card, or debit a vaulted bank account when you and the buyer are in the United States, once a payment schedule comes due. You build the workflow, and it needs Shopify Payments. (changelog, Flow action)
• No credit limit: the B2B features-by-plan page lists net terms, vaulted cards, deposits on Plus and draft orders, and no credit limit. The Admin API's CompanyLocation object (version 2026-10) carries payment terms and a draft-for-review flag, and no credit limit field. (plan features, CompanyLocation)
• Order review: set a company location to 'Submit all orders as drafts for review' and every order from it waits as a draft for your team. It is all or nothing for that location. For review by order value or cart contents, Shopify points to a Payment Customization Function. (checkout settings)

A credit limit is the most a buying company may owe you at one time. Exposure is what it owes or has committed to now, and available credit is the limit minus exposure. An exposure check compares a new order with the available credit before the order goes in.

The hard part is deciding what counts as exposure. Unpaid invoices are the obvious answer, but an order exists before an invoice does, and a buyer can submit several orders before any of them is invoiced.

Illustrative figures, not from a real account. A bearings distributor gives a plant maintenance buyer a $25,000 limit on Net 30. The buyer's position:

• Placed in Shopify and still unpaid: $14,200.
• Waiting on the buyer's own approver: $6,800.
• Approved but not yet placed: $2,500.
• Exposure is $23,500, so available credit is $1,500.

The same buyer now submits a $4,100 order for pillow block units. Against the full picture it takes exposure to $27,600, which is $2,600 over the limit, so the check should warn or stop it.

A check that counts just the $14,200 of unpaid placed orders would see $10,800 of room and let it through. That is why the question to settle with any credit limit app is what it counts.

These seven apps describe credit limits in their own Shopify App Store listings, read on October 22, 2026. Ratings, review counts and prices move, so check the listing before you decide. For a feature-by-feature view, see the credit limit app comparison.

The listings read alike, so the answers to these questions are what separate the apps.

• What counts as exposure? Unpaid placed orders alone, or also orders waiting for approval and approved orders not yet placed? None of the seven listings says whether an order waiting in an approval step counts.
• Is the limit set per company, per company location, or per user?
• Does it block or warn, and where does the check run: inside Shopify's checkout, when a buyer submits an order in the app, or on a dashboard?
• What happens to an over-limit order: refused, held as a draft for your team, or taken with payment upfront?
• Who can override a block, and is the override recorded? Quay's listing, for one, says it sends an alert when staff bypass a block.
• How does credit free up when a buyer pays? Reading Shopify's own payment status is easier to trust than a second set of books.
• Which Shopify plan does it need, and does the price depend on your Shopify plan or on the number of companies?

Copiara is our app, so weigh this entry accordingly. It is in early access: it is not on the Shopify App Store yet, nobody can install it today, and it has no customers.

In the Copiara admin the merchant sets a credit limit for each buying company. Exposure is live and counts orders in approval, approved, or placed and not yet paid. For an order placed in Shopify, the amount counted is what Shopify says is still owed, so a paid order frees the credit. One store-wide setting chooses whether an order that would go over the limit goes through with a warning or is refused when the buyer submits it.

Copiara reads each location's Shopify payment terms and shows them beside credit. It never sets, pushes or syncs them, so terms stay in Shopify.

Copiara checks credit when a buyer submits an order in Copiara, the same moment its approvals run, so a buyer learns about the limit before anything is placed. If what you mainly want is aging reports and reminders for late payers, Creditio and CreditGuard list them, while Copiara reads payment status back from Shopify and does not issue invoices or send payment reminders.

Copiara suits distributors and brands on Shopify that negotiate prices, need sign-off inside the buying company, and sell on credit. The published plans are Free, then $59 and $129 a month with a 14-day trial on the paid ones, billed through Shopify App Pricing, with the same toolkit on every plan. Nobody can subscribe yet.