Shopify net terms and credit limits: how to stop orders over a buyer's limit

The risk with payment terms

Payment terms such as Net 30 are one of the best features of native Shopify B2B: buyers place orders without paying upfront, and you send an invoice. But Shopify does not track a credit limit. A company that already owes you a large amount can keep placing new orders, and nothing stops a buyer with invoices 60 days overdue from ordering again.

What a credit limit should do

• Track the unpaid balance of each company location from its open orders.
• Compare balance plus the new order against a limit you set.
• Block checkout with a clear message when the limit would be exceeded.
• Optionally block new orders while any invoice is overdue.
• Never slow down checkout or break it if something goes wrong.

How Wholora enforces limits

Wholora keeps a ledger of unpaid B2B orders, updated in real time from Shopify order events. When a location gets its first limit, its unpaid orders from the last 60 days are imported (the order history Shopify lets apps read); older unpaid orders aren't included. Each location's balance and oldest due date are stored on the location in Shopify, and a Shopify checkout validation — which runs inside Shopify's own infrastructure — compares them with the cart. If the order would go over the limit, the buyer sees your message, for example: “This order would exceed your available credit of $1,250. Please pay outstanding invoices or contact us.”

Because the check runs inside Shopify, it adds no external network calls to checkout, and by default it lets checkout continue if the check itself cannot run (you can switch this to block checkout instead).

Credit limits are included on every Wholora plan: Free and Growth enforce them for up to 3 company locations, and Pro for any number. The hold on overdue invoices and the receivables aging report are part of Pro.

Setting sensible limits

• Start new buyers with card payment or a low limit, and raise it after a few on-time payments.
• Base limits on expected monthly volume multiplied by your terms (for example two months of orders for Net 30).
• Review the receivables aging report weekly and contact buyers as soon as an invoice is late.