Is their a way to set a limit on how large of an order can be paid with credit card? We require customers to pay ACH or wire transfer on very large orders, but there is no way in Shopify to stop them from using their credit card to pay.
Topic summary
Merchants need to restrict credit card payments for orders exceeding certain thresholds (e.g., $20K), requiring customers to use ACH or wire transfer instead for large transactions.
Current Shopify Limitations:
- No native way to set cart-value-based limits on credit card payments
- Payment methods are either fully enabled or disabled for all transactions
Proposed Solutions:
Manual Payment Capture (Shopify Payments):
- Customers aren’t automatically charged when placing orders
- Merchants can review orders and reject/accept payments within the authorization period (7 days for Shopify Payments)
- Provides flexibility to contact customers about alternative financing for large orders
- May support deposit acceptance
- No credit card fees charged until payment is manually captured
Third-Party App Solution:
- PayRules: Hide Payment Methods app can conditionally hide payment options based on cart total
- Example: Hide Stripe and Shopify Payments when cart exceeds $2,000
- Customers automatically see only approved payment methods (ACH/wire transfer) for qualifying orders
The app-based solution appears to be the most direct approach for automatically enforcing payment method restrictions based on order value.
Hi, @Rks !
Welcome to Shopify Community.
Thanks for sharing the needs of your business with our community. At this time, there is no way to limit credit card transactions based on the cart itself - either you enable all credit payments, or disable all.
However, depending on the payment gateway you are using, you may be able to impose some limitations through a workaround solution. Let’s say you are using Shopify Payments to power your business, then I recommend setting up manual capture for transactions.
Note:
When manual payment capture is enabled, customers that pay with credit cards and some additional payment methods are not automatically charged at the time of sale. To get paid, you need to capture payment manually within the authorization period.
Doing so would allow you to either accept or reject the payment within the authorization period, being 7 days for Shopify Payments. This extra flexibility means you can then reach out to the customer to arrange alternate financing and avoid unwanted credit card payments. This method may even allow you to accept deposits, which you may want to consider for large orders.
If you’d like to explore other apps and solutions to set-up a deposit or pre-order option, let me know and I’d be glad to offer recommendations based on your needs.
I look forward to your reply,
Olivia,
I have the same need as Rks. I want to limit CC transactions to 20K, anything above this amount needs to be an ACH or Check.
Can you confirm once manual payments is activated, no cc fees are charged until I capture the payment, correct?
Also, will you please send me the app and solution recommendations you referenced above?
Now there is a way in Shopify to stop the customers from using their credit card and required them to use ACH or wire transfer instead if the order is over a specified amount.
Suppose you have Stripe and Shopify Payments credit card options enabled in your store and now you want to disable them if order is over $2000. To do this you can utilize the PayRules: Hide Payment Methods app. Here is how you can do it:
- Choose Stripe and Shopify Payments in the Select payment methods field.
- Write 2000 in the Cart total Max (maximum) field like the screenshot below.
Now your customers won’t be able to use credit card options if their order is over 2000. I hope it works for you. Thanks.