Features
Every tool you need to manage B2B credit risk
Twelve capabilities built specifically for Shopify Plus B2B merchants who sell on net payment terms.
Stop over-limit orders before they become bad debt.
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.
Only B2B buyers with a configured credit limit are affected. Retail (non-B2B) customers are completely unaffected.
Every location gets its own independent credit limit.
B2B companies often have multiple buying locations — a head office, regional branches, franchise stores. CreditGuard treats each location independently:
Independent credit limit — Set a different limit for each location based on their purchasing history and risk profile.
Independent currency — Each location's limit is stored in its presentment currency (the currency the buyer checks out in), not your store's base currency.
Independent status — Suspend one problem location without affecting the rest of the company.
Independent payment terms — Payment terms come from Shopify and are displayed per location.
Your B2B credit risk at a glance.
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.
Manage credit across your entire B2B customer base.
Company overview — See every B2B company's combined credit position at a glance. Suspend or unsuspend an entire company in one click — all locations update simultaneously.
Company detail — Aggregate credit across all locations: total limit, total outstanding, total available. Company-level risk rating: Low, Medium, or High.
Location detail — Each location has a dedicated credit overview, a credit limit editor with audit notes, a full invoice table with status badges, pending approval drafts, and a complete excluded orders log.
Turn blocked orders into opportunities, not dead ends.
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.
Automate your credit workflows without writing code.
CreditGuard provides three Shopify Flow triggers that let you build any automation you need — from blocked order notifications to payment due and overdue alerts.
All triggers pass structured data — company name, location name, order name, amount, currency, due date, and days overdue — so your Flow actions can embed them directly in emails or messages.
Track credit usage without enforcing limits.
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.
Accurate balances from day one — even for orders before you installed.
When you install CreditGuard and open a location for the first time, CreditGuard automatically fetches and imports all unpaid B2B orders that existed before the app was installed.
For each pre-install order, CreditGuard fetches the outstanding balance using partial-payment-aware Shopify fields, identifies the payment due date, reserves the credit against the balance, and prevents double-reservation if you reinstall.
After the sync completes, you can exclude any orders that shouldn't count toward the credit limit. Each exclusion is logged with who made it, when, and why — reversible at any time.
Native multi-currency — no manual conversion.
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.
See credit context directly on draft order pages.
CreditGuard adds a 'CreditGuard' block to every draft order page in your Shopify Admin. Without leaving the draft order, you can see:
Credit status badge — Within Limit, Approaching Limit, Warning, Over Limit, Has Overdue Invoices, or Suspended.
Credit position table — Credit Limit, Outstanding Balance, This Order Amount, and 'If Approved' projected balance shown in red if the approval would exceed the limit.
Overdue warning — If the location has overdue invoices, a warning is shown so you don't accidentally approve more credit for a non-paying account.
Know which customers pay on time — and which don't.
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.
Your data is safe — and gone when you want it gone.
No personal buyer data — CreditGuard stores no names, emails, or payment details. Only company names, location identifiers, credit limits, and order amounts.
Blocked attempt logs auto-delete — CreditCheckLog entries are automatically removed after 90 days.
Post-uninstall retention — Credit data is retained for 30 days after uninstall, then permanently deleted.
On uninstall — Buyers are immediately unblocked (the checkout validation is removed with the app). No checkout disruption.
GDPR compliant — CreditGuard handles customers/data_request, customers/redact, and shop/redact webhooks per Shopify's GDPR requirements.
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