Every tool you need to manage B2B credit risk

CreditGuard's checkout validation runs server-side at the moment a buyer completes checkout. Three conditions are checked in sequence:

Account suspended — The buyer's company or location has been manually suspended. The order is blocked immediately with a clear message.

Overdue invoice — The location has one or more unpaid orders past their due date. No new orders go through until the outstanding balance is settled.

Over credit limit — The cart total plus current outstanding balance would exceed the location's credit limit.

All three checks run against Shopify metafields stored on the company location record — meaning the checkout validation function requires zero database calls and is always fast and reliable.

The CreditGuard dashboard gives you four key metrics and three actionable intelligence tables every time you open the app.

Overdue Now — Up to 20 locations with the oldest unpaid past-due invoices. Send a payment reminder with one click.

Consistently Late Payers — Locations where more than 30% of paid invoices were settled late. Use this to adjust credit limits proactively.

Strong Payers — Locations with 3 or more consecutive on-time payments. Flag them for a credit limit review.

Buyer experience — The checkout UI extension shows buyers their current credit status. A 'Submit order for approval' button lets them request manual approval.

Merchant experience — The moment the buyer submits, CreditGuard creates a Shopify draft order with the CREDIT_APPROVAL_REQUIRED tag and fires your Shopify Flow automation immediately.

Approval flow — Review all pending draft orders in one place, filterable by date range and location. Click into any draft to see the full credit context and shortfall.

When you convert the draft order in Shopify, CreditGuard automatically detects it via webhook, marks the draft as approved, and reserves the credit.

Not ready to block orders at checkout? Track Only mode lets you monitor credit usage across your B2B accounts without blocking any orders.

With Track Only enabled on a location: orders go through at checkout without being blocked, credit balance is still tracked for every order placed, paid, and cancelled, and if an order exceeds available credit, CreditGuard adds a private note to the order in Shopify Admin.

Track Only is set per location — some locations can be enforced while others are in track mode.

CreditGuard stores every credit limit in the presentment currency — the currency the buyer actually checks out in, not your store's base currency.

Each location's credit limit is set and displayed in that location's currency. Outstanding balances are tracked in the same currency. The checkout validation compares cart total to available credit in the same currency — no conversion required and no rounding errors.

CreditGuard tracks payment behaviour for every B2B location automatically. For each invoice paid, CreditGuard records whether it was paid on time, how many days early or late, and a running consecutive on-time streak.

Consistently Late Payers — Flag accounts where 30%+ of invoices are late for proactive limit adjustments.

Strong Payers — Surface accounts with 3+ consecutive on-time payments as candidates for a credit limit increase.

Credit Increase Eligible — Accounts that meet all criteria: active status, 3+ paid invoices, at most 1 late, and 3+ consecutive on-time.