How to set up Shopify's payment reminders and auto-charge for B2B

What Shopify does on its own

When an order has payment terms, Shopify gives it a due date (with “Due on fulfillment” terms, once the order is fulfilled). The buyer can pay any time before then by signing in to their account, opening the order and clicking “Pay now”. If the order isn't paid by the due date, its status changes to “Overdue”.

A card or bank account the buyer saved with you isn't charged automatically when the terms run out. To collect, Shopify gives you three automated tools: payment reminder emails set up in your admin, a Shopify Flow action that sends a reminder, and a Flow action that charges a saved payment method.

Shopify's B2B plan comparison lists payment reminders, vaulted credit cards and ACH bank payments (US only) on the Basic, Grow, Advanced and Plus plans, and Shopify Flow is available on Basic and up. If you're not on Plus, check that the Flow actions below appear in your Flow app before you rely on them.

Payment reminders in the Shopify admin

Shopify can email reminders for orders with payment terms that have a due date. You can add up to 5 reminders, and each one goes out on the due date or a set number of days after it, up to 30 days. There's no option to send a reminder before the due date.

To set them up, go to Settings → Notifications in your admin and, in the order notifications, click “Manage payment reminders”. Shopify's help page on deferred payments has the current steps.

• Pick a schedule, for example on the due date and then 7, 14 and 30 days after it. If you also use auto-charge (below), start a few days after the due date, so a buyer isn't emailed about a payment on the day it's charged.
• Test it first with a draft order for a test company that uses your own email address. Give it a fixed-date payment term due tomorrow, and you'll see who receives the reminder and what it says. Then mark the order as paid and check that the later reminders stop.
• Use either these reminders or the Flow reminder below, not both: Shopify warns that the two can send duplicate reminders. The admin reminders suit a schedule of up to 5 emails. Use Flow if you want the same workflow to do more, such as emailing your team.

Payment reminders with Shopify Flow

Flow's “Send payment reminder” action emails the main contact of the B2B company. It runs from the “Payment schedule is due” trigger, which fires when an order's due date is reached. Like the admin reminders, it can't send before the due date. To send reminders to someone else, such as an accounts payable address, change the company's main contact.

1. In the Shopify Flow app, create a workflow with the trigger “Payment schedule is due”.
2. Add the action “Send payment reminder”.
3. Turn the workflow on.

Auto-charge: what you need first

Since June 2026, Shopify Flow has a “Charge vaulted payment for B2B order” action. Used with the “Payment schedule is due” trigger, it charges the buyer's saved (vaulted) card, or debits their saved bank account, on the order's due date.

The action needs Shopify Payments and works only for B2B orders with payment terms where the buyer has saved a payment method. Saved bank accounts can be debited only when both you and the buyer are in the United States. Buyers save a payment method like this:

• Cards: the buyer ticks the box to save the card at checkout, or adds a card in their customer account. A saved card belongs to one company location and can be used for that location's future orders.
• Bank accounts: if your store is eligible for ACH direct debit (a US store selling in USD) and you turn it on in your Shopify Payments settings, US buyers can pay from a US bank account at checkout and save it for future orders. A saved bank account can be used by every customer with permission to order for that location, and the buyer agrees to a mandate that covers current and future orders.

Auto-charge: set up the workflow

You build the workflow yourself in the Shopify Flow app. Shopify doesn't say whether a failed charge is retried. Each week, check your orders for any that are still “Overdue”, and charge or chase those by hand.

1. Tell buyers on terms that you'll charge their saved card or bank account when payment is due: existing buyers before you turn the workflow on, new buyers before their first order on terms.
2. Create a workflow with the trigger “Payment schedule is due”.
3. Add the action “Charge vaulted payment for B2B order”.
4. Turn the workflow on, then check the first few due dates to confirm the charges went through.

Charging or collecting by hand

You can still charge a saved card yourself: open the order, and in the Payment section choose “Collect payment”, pick the card and click “Charge”. A location's saved cards are listed under Customers → Companies → the company → the location, where you can also change or delete them.

From the order's payment section you can also send the buyer an invoice with a link to pay, or mark the order as paid when a bank transfer arrives.

How this works with credit limits

Reminders and auto-charge help you collect invoices that already exist, starting on the due date. A credit limit acts earlier, at checkout: it decides whether a buyer can add another order to what they already owe. Without one, a buyer can keep ordering on terms in the weeks before the first reminder goes out.

Wholora handles the credit-limit side. It enforces a limit for each company location at checkout (Free and Growth for up to 3 company locations, and Pro for any number), and on Pro it can also block new orders while an invoice is overdue and shows a receivables aging report. Wholora doesn't send payment reminders, charge cards or collect payments; that stays with Shopify and you. When an order is paid, whether by the buyer, by a Flow charge or because you marked it as paid, Wholora updates the location's balance from Shopify's order events, so the available credit goes back up.

A setup that covers both:

• Payment reminders, in the admin or in Flow, for orders on terms.
• The auto-charge workflow for buyers who saved a card or US bank account.
• A credit limit for each company location that fits its order volume and your terms.
• On Wholora Pro, a hold on new orders while an invoice is overdue. It lifts once the buyer's overdue orders are paid.