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Managing your Shopify Credit business charge card security

You can safeguard your Shopify Credit card and respond to security concerns in your Shopify admin. You can lock or unlock your card when it's lost or stolen, and dispute incorrect transactions. Shopify Credit also monitors card activity for unusual transactions and sends fraud alerts to help you identify and address potential fraud.

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Fraud alerts on Shopify Credit business charge card

Shopify Credit monitors your card transactions for signs of unusual or suspicious activity. If a transaction seems unusual, then you receive a fraud alert. Fraud alerts help protect your funds and let you confirm whether a transaction is fraudulent, or if it was authorized by the card owner.

SMS fraud alerts are sent from +1 678 572 6998 to the phone number associated with your Shopify Credit business charge card, and include transaction details such as the amount, vendor name, and the last digits of your card. You can confirm or decline the transaction directly from the message. If you don't respond within 24 hours, then the alert expires and the transaction remains declined.

Responding to a fraud alert

You can respond to a fraud alert directly from the SMS by replying with one of the following keywords:

  • YES: Confirms that the transaction is authorized. The transaction can be retried immediately. No further action is required.
  • NO: Confirms that the transaction is unauthorized. Your card is immediately canceled, and the following actions are taken:
    • For virtual cards, a new virtual card is automatically issued.
    • For physical cards, you can order a replacement card by confirming your shipping address. Learn how to replace your card.
  • STOP: Opts you out of receiving SMS fraud alerts. You don't receive future alerts and might miss critical security notifications. This isn't recommended.
  • START: Opts you back into SMS fraud alerts.

Meta transaction alerts

Shopify Credit includes enhanced security for Meta (Facebook) advertising transactions. When you make your first Meta transaction using your Shopify Credit business charge card, you receive both an email notification and an alert in your Shopify admin. This helps identify and prevent unauthorized Meta advertising charges.

Staff card notifications

If you issue Shopify Credit business charge cards to your staff, then fraud alerts are sent to the phone number associated with the staff member's card.

If a fraud alert is triggered, then the authorized representative (AR) on the account also receives an email notification. ARs are responsible for monitoring staff card usage and ensuring phone numbers are up to date. ARs can remove staff cardholder access and cancel cards at any time.

Update your phone number

To ensure that you receive fraud alerts, your phone number must be current and associated with your Shopify Credit business charge card. If your phone number is outdated or invalid, then you might not receive alerts. If a missing or outdated phone number is detected, then you might be prompted to update it before you can continue using your card.

You can update your phone number from your Shopify admin or in the Shopify app.

Steps:

Desktop

  1. From your Shopify admin, go to Finance.

  2. Click Main.

  3. In the Cards section, click Manage.

  4. Click Horizontal menu.

  5. Click Edit cardholder details, and then update your mobile phone number.

Mobile

  1. From the Shopify app, tap the Menu icon.

  2. Tap Finance.

  3. In the Accounts section, tap Credit.

  4. In the My cards section, tap a card that's associated with the cardholder that you want to update the phone number for.

  5. Tap Vertical menu, and then tap Cardholder details.

  6. Enter a new phone number.

  7. Tap Save or ✓.

Lock your Shopify Credit business charge card

If your Shopify Credit business charge card is lost, then you must lock it to prevent unauthorized transactions until it's recovered. If your Shopify Credit business charge card is stolen, then you must cancel and replace it immediately to secure your account.

Steps:

Desktop

  1. From your Shopify admin, go to Finance.

  2. Click Main.

  3. Click your main account.

  4. In the Cards section, click the card that you want to lock.

  5. Click Lock card.

  6. Click Lock card again to confirm.

Mobile

  1. From the Shopify app, tap the Menu icon.

  2. Tap Finance.

  3. In the Accounts section, tap Credit.

  4. In the My cards section, for the card that you want to lock, tap the Lock icon.

  5. Tap Confirm.

Unlock your Shopify Credit business charge card

To unlock your Shopify Credit business charge card, click Unlock card and then confirm the action by clicking Unlock card again on the Shopify Credit business charge card page in your Shopify admin.

Secure a compromised Shopify Credit account

Unauthorized Shopify Credit virtual card charges are often the result of an account compromise or account takeover. If you notice unexpected transactions on your Shopify Credit account, then you must take immediate action to both dispute the unauthorized charges and secure your account to prevent further fraudulent activity.

Examples of fraudulent activity

The following types of activity might indicate that your Shopify Credit account has been compromised:

  • Unauthorized charges: Unauthorized purchases or payments made with your Shopify Credit business charge card.
  • Unauthorized autopay settings changes: Unauthorized changes to your autopay settings or linked payment method.
  • Unauthorized disputes: Disputes filed against legitimate charges without your knowledge.

Respond to a compromised account

You can dispute fraudulent Shopify Credit business charge card transactions at any time. You can dispute transactions yourself in your Shopify admin only for transactions processed in the last 110 days. For older transactions, contact Shopify Support.

Steps:

  1. Review your Shopify Credit transactions for any unauthorized activity, such as unauthorized transactions, transfers, and card activity.
  2. If you have a Shopify Credit business charge card, then take immediate action to lock your Shopify Credit business card to prevent further use.
  3. If you identify unauthorized transactions, then dispute fraudulent Shopify Credit card transactions from your Shopify admin.
  4. Verify that the bank account connected to your Shopify Payments account hasn't been changed without authorization. Review the steps for editing bank account information for more details.
  5. Unexpected charges might be a sign of account compromise. Secure the logins for your account to prevent fraudulent activity by following the guide on securing a compromised account.