Managing your Shopify Credit business cards

When you start using Shopify Credit, you're provided with a virtual card that's automatically activated and ready for use. You can use this card to make online purchases for your business. If you need to make purchases for your business in person, then you can order a physical Shopify Credit business card.

The primary cardholder can add secondary cardholders to their Shopify Credit account. Secondary cardholders have access to the credit line and are provided with their own card to make purchases with. Each cardholder can have only one virtual card and one physical card.

Shopify Credit is part of the Visa network. You can use your Shopify Credit charge card at any non-prohibited merchant or business that accepts Visa transactions.

Request a physical Shopify Credit business card

If you didn't order a physical card when you set up your Shopify Credit account, then you can order one from your Shopify admin.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click Order physical card.

  5. Enter your shipping information.

  6. Click Place order.

After you order your physical card, you can review the card's delivery status and estimated delivery date by going in your Shopify admin to Finance > Credit and then clicking Manage cards.

Reorder a physical Shopify Credit business card

If you've ordered a physical card and there's an issue with your card's delivery, then you can order a new card.

Before reordering, review your card's delivery status to ensure that the delivery date hasn't changed. Review the delivery status by going in your Shopify admin to Finance > Credit and then clicking Manage cards.

For security reasons, you might need to authenticate your account before proceeding.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click the physical card.

  5. Click Order new card.

  6. Select Card not received, and then click Next.

  7. Enter your shipping information.

  8. Click Confirm and replace card.

When you click Confirm and replace card, your undelivered card is canceled and a new one is ordered.

Activate a physical Shopify Credit business card

When you receive your physical card, it must be activated before you can use it. You can activate your card here or follow the steps below.

For security reasons, you might need to authenticate your account before proceeding.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click the physical card.

  5. Click Activate card.

  6. Enter the last four digits of your physical Shopify Credit business card, and then click Confirm.

When you click Confirm, your card is activated and you can use it for both online and in-person transactions.

View your Shopify Credit virtual card's information

You can view your Shopify Credit virtual card's information in your Shopify admin. Each cardholder can view only their own Shopify Credit virtual card information. The primary cardholder can't view the Shopify Credit virtual card number of a secondary cardholder.

For security reasons, you might need to authenticate your account before proceeding.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click the virtual card.

  5. Click Show numbers.

Link your Shopify Credit business card to a virtual wallet

If you didn't link your card to a wallet such as Apple Wallet or Google Pay when you set up your Shopify Credit account, then you can do so later, from your admin.

Steps:

  1. Refer to your Shopify Credit business card numbers by doing one of the following:
  2. Follow the instructions from your wallet app to add your card.

Replace a Shopify Credit business card

You can order a new Shopify Credit business card if needed. Each cardholder can have only one virtual card and one physical card. Ordering a replacement card cancels your current Shopify Credit business card. The primary cardholder can request replacement cards for themselves, or a secondary cardholder.

For security reasons, you might need to authenticate your account before proceeding.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click the card that you want to cancel and replace.

  5. Click More, and then click Cancel and replace.

  6. Select your reason for canceling and replacing your Shopify Credit business card, and then click Next.

  7. Enter your shipping information.

  8. Click Confirm and replace card.

Lock your Shopify Credit business card

If your card is lost or compromised, then you can lock the card to prevent its use. The primary cardholder can lock a card that belongs to a secondary cardholder. Secondary cardholders can lock and unlock only their own cards. A secondary user can unlock their card even if the primary cardholder locks the card.

To permanently remove access to a card, you can remove a secondary cardholder, or change the monthly spending limit to $0.

For security reasons, you might need to authenticate your account before proceeding.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click the card that you want to lock.

  5. Click Lock card.

  6. Click Lock card to confirm.

After you determine your card's status, you can take one of the following actions:

  • If your card has been found, or you've determined that it hasn't been compromised, then you can unlock your card. Click the card on the Manage cards page, and then click Unlock card.
  • If you can't find your card or have determined that it's been compromised, then you can cancel and replace your card.

Dispute a charge on your Shopify Credit account

If you're the primary cardholder, then you can dispute a charge on your Shopify Credit account for the following reasons:

  • fraudulent
  • not received
  • duplicate
  • merchandise not as described
  • service not as described
  • canceled
  • other reasons

Learn more about how to dispute a charge on your Shopify Credit account.

Update your Shopify Credit cardholder information

If information such as your billing address or phone number has changed, then you can update your cardholder details from your Shopify admin. You can’t have different cardholder information for your virtual and physical cards. If you change your cardholder details, then your changes apply to both cards. Each cardholder can change only their own cardholder details.

For security reasons, you might need to authenticate your account before proceeding.

Steps:

  1. From your Shopify admin, go to Finance.

  2. In the Accounts section, click Credit.

  3. Click Manage cards.

  4. Click either your virtual or physical card.

  5. Click View cardholder details.

  6. Click Edit.

  7. Enter your updated information.

  8. Click Save.

Resolving declined Shopify Credit transactions

Transactions on your Shopify Credit card may be declined for several reasons. The following are common reasons for declined transactions:

  • Exceeding spending limit: Check your current spending limit in the Credit section of your Shopify admin to ensure that the transaction doesn't exceed your available spending limit.
  • Restricted businesses or activities: Attempts to make purchases from businesses or for activities that are restricted under Shopify Credit terms will result in declined transactions.

Resources for managing your Shopify Credit account

For detailed information on using your Shopify Credit account and understanding the specifics of card transactions, refer to the following resources:

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