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.

Create a new Shopify Credit business card

You can create a new Shopify Credit business charge card for yourself or other cardholders at any time. A maximum of one physical and one virtual card can be created for each cardholder.

Steps:

1. From your Shopify admin, go to Finance.

2. Select your card.

3. Click Create card.

4. In the Cardholder field, enter the name of the cardholder.

5. In the Linked account field, select Shopify Credit as the linked account.

6. In the Linked account section, choose either Virtual or Physical as your card type.

7. Click Create card.

8. Optional: If this is the first time that you're creating a card for a staff member, then you must enter their name and an optional cardholder spending limit.

Create 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. Select your card.

3. Click Create card.

4. In the Cardholder field, select the cardholder.

5. In the Linked account field, select Credit, and choose Physical as your card type.

6. Add the address that you want the card to be shipped to.

7. Click Create card.

8. Optional: If this is the first time that you're creating a card for a staff member, then you must enter their name and an optional cardholder spending limit.

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. Select your card.

3. Select the physical card that you want to reorder.

4. In the Activate your card to start spending banner, click request a new one.

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. Select your card.

3. Select Physical to order a physical Shopify Credit business charge card.

4. Click Activate card.

5. Enter the last four digits of your Shopify Credit business charge 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. Select your card.

3. Select the virtual card that you want to view.

4. Click Show numbers.

Linking your Shopify Credit business charge card to your Apple Pay or Google Pay wallet

You can link your Shopify Credit business charge card to your Apple Pay or Google Pay wallets in order to use the card for online and in-person payments. If you don't link your card to a digital wallet such as Apple Wallet or Google Pay when you set up your Shopify Credit account, then you can do so later from your Shopify admin or in the Shopify app.

Linking your Shopify Credit business charge card to your Apple Pay or Google Pay wallet using the Shopify app

You can link your Shopify Credit business charge card to your Apple or Google digital wallet directly from your Shopify app.

Linking your Shopify Credit business charge card to your Apple Pay or Google Pay wallet using your Balance card details

If you don't link your Shopify Credit business charge 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 Shopify admin. You can add either your physical or virtual Shopify Credit business charge card to your digital wallet.

Steps:

1. Find your Shopify Credit business charge card details in either of the following places:
   • To add a physical card, you need to have the card present.
   • To add a virtual card, view the card's information in your Shopify admin.
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. Select your card.

3. On the Cards page, select the card that you want to cancel and replace.

4. Click , and then click Cancel and replace.

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

6. If you're canceling and replacing a physical card, then enter your shipping information.

7. Click Confirm and replace card.

Physical card sent to the wrong address

If your physical card was shipped to the wrong address, then you won't recieve the activation PIN. You must cancel the card, and request a replacement to the correct address.

Steps:

1. From your Shopify admin, go to Finance.

2. Select your card.

3. On the Cards page, select the physical card that was sent to the wrong address.

4. Click , and then click Cancel and replace.

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

6. Enter the correct shipping address for the replacement card.

7. 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. Select your card.

3. On the Cards page, select the card that you want to lock.

4. Click Lock card.

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 business charge 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. Select your card.

3. On the Cards page, select any card associated with the cardholder whose information you want to change.

4. Click , and then click Cardholder details.

5. Update the billing address, phone number or spending limit of the cardholder, and then click Save.

Resolving declined Shopify Credit transactions

Transactions on your Shopify Credit business charge 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 results 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:

• Shopify Credit Issuing Bank Terms.
• Shopify Credit Program Terms.
• Using your account.
• Card transactions.