How credit enforcement works

The model

Every approved company has:

a credit limit — set by you at approval, adjustable any time
outstanding exposure — unpaid orders, computed from order events
available credit = limit − exposure − your configured safety buffer

Enforcement at checkout

When a B2B buyer checks out, a Shopify checkout validation rule compares the order total against the company’s available credit. Over the limit, checkout is blocked with a message you control — for example:

This order exceeds your available credit (£1,450 remaining). Reduce the order total or contact us to arrange payment.

This runs on Shopify’s own checkout infrastructure. It works on every plan (Basic, Grow, Advanced, Plus), applies to draft orders and quotes too, and requires zero theme changes.

Keeping the numbers honest

Exposure updates within seconds of order events (created, paid, cancelled, refunded), and a nightly reconciliation re-derives every balance from your order history. If anything ever drifts, you’re alerted — trust in the numbers is the product.

What buyers see

Buyers see their credit limit, current balance, and available credit inside their Shopify customer account — no separate portal, no extra login.