How to effectively manage customer store credit limits?

Payments + Shipping & Fulfilment
1

Hello,

This is my first post, so please let me know if there is a better spot for this question.

I need to be able to do a few things:

  1. Set the limit each customer can “over-spend” (buy without paying)
  2. Track the amount each customer has over spent
  3. Set a limit to the duration that they can go without paying up (eg. Net 30, etc)

From what I have been able to find, we could give customers a store credit, but I wouldn’t want this to be confused with actual store credit that someone has purchased, and we don’t want them to have to prepay for $5000-$10,000 worth of store credit.

The only other workaround that I have found is this: Accept a partial payment.

Accepting a partial payment as above seems to accomplish requirement (2), but I still need to be able to set the predefined limit the customer can overspend and the repayment period (1 & 3).

For Some Context:

Our customers are mainly businesses and their employees who stop by the shop throughout the month and pick up tools and equipment that they need. This gear is tracked and charged to a customers credit account with us (not their credit card, but the amount of money that they can pre-spend). Currently customers have the ability to apply for a credit account which is essentially money that they can use and must pay back within 30 days. This money that they can use has a limit which the store sets. It is for small businesses and is usually around $5000-$10,000.

Any workarounds or app suggestions would be appreciated.

Thank you!

2

Also wondering on this issue!

3

My team and I built an app specifically to solve the problem of credit limits for brands using Shopify Plus B2B. It’s called Upro - https://apps.shopify.com/upro-b2b-and-wholesale-upload-csv-order

Here’s how the app works -

You can configure Payment Terms (Net 7, 15, 30, etc.) on Shopify B2B for specific companies, customers, or locations, allowing them to place orders without paying upfront.

With Upro, you can additionally set a credit limit or spending threshold for each customer. Once a customer exceeds their assigned limit, the app blocks checkout and displays a warning message.

Upro also provides analytics that help you track how much of their credit limit each customer has used, so you always have visibility into outstanding exposure.

For example -

Assume you have Company X set up in your Shopify Plus B2B account with Net 30 payment terms. In Upro, you can assign this company a credit limit of USD 6,000.

As long as the customer remains within this limit, the app displays their real-time credit status at checkout and within their customer account, allowing them to continue placing orders on payment terms.

Once their outstanding invoices exceed USD 6,000, Upro blocks them from placing new orders on credit and displays a warning message at checkout.

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