Manage cardholders

The primary cardholder of a Shopify Credit account can add secondary cardholders from the staff accounts associated with their Shopify store.

The secondary cardholder has access to a virtual card by default, and can order a physical card if desired.

Note

Shopify partners with Stripe Payments Company and Celtic Bank for Shopify Credit. Card products are issued by Celtic Bank and subject to credit approval.

Add a secondary cardholder

When you invite a staff member to be a secondary cardholder, they need to accept the invitation and complete their secondary cardholder setup within 14 days. If they don't accept the invitation within 14 days, then you can resend the invitation.

When you invite a staff member to be a secondary cardholder, you can choose a monthly spending limit for that secondary cardholder. You can change the monthly spending limit of any secondary cardholder in your Shopify admin at any time. The monthly spending limit resets on the first calendar day of each month.

If at any time the total available credit on the Shopify Credit account is less than the secondary cardholders available monthly spending limit, then the secondary cardholder can't spend more than the remaining available credit.

For example, if the remaining available credit is $500, and the secondary cardholders monthly available spending limit is $1000, they're able to spend only $500.

Steps:

1. In your Shopify admin, go to Finances > Credit.
2. Click Manage cards.
3. In the Cardholders section, click Add.
4. Select the staff member that you want to add as a secondary cardholder.
5. Optional: If you want to set monthly spending limit for the secondary cardholder that's less than the maximum credit amount, enter a value for the monthly spending limit. Otherwise, leave this field empty.
6. Click Add secondary cardholder.

The staff member that you invite needs to accept the invitation and finish setup before they can begin using their card.

Accept an invitation to become a secondary cardholder

After the primary cardholder sends you an invitation to become a secondary cardholder, you need to complete your secondary cardholder setup before you can use your Shopify Credit pay in full business credit card.

Before you begin, review whether you have two-step authentication (2SA) activated for your account. 2SA is required to access all the features of Shopify Credit, so if you aren't already using 2SA, then first set up 2SA for your account.

Steps:

1. From your Shopify admin, go to Finances > Credit.
2. Click Join now.
3. Review your personal information to ensure that it's correct, and then click Submit.
4. If you haven't set up two-step authentication for your account, click Set up two-step authentication.
5. Optional: Add your virtual business card number to your mobile wallet. If you want to skip this step, then click Skip this task.
   1. Click View card numbers to reveal your card's number, expiry date, and CVV.
   2. Add your card information to your mobile wallet, and then click Next task.
6. Optional: Order a physical Shopify Credit business card. If you want to skip this step, then click Skip this task.
   1. Enter your shipping information, and then click Next step.
   2. Click Order physical card.
7. Click Finish setup.

Change a secondary cardholders monthly spending limit

The primary cardholder can change the monthly spend limit for a secondary cardholder at any time. If you change the monthly spend limit to an amount that's less than the secondary cardholders current months spend, then they aren't able to make any additional purchases that month.

If at any time the Shopify Credit account remaining available credit is less than the secondary cardholders available monthly spending limit, then the secondary cardholder can't spend more than the remaining available credit.

For example, if the remaining available credit is $500, and the secondary cardholders available monthly spending limit is $1000, they're able to spend only $500.

Steps:

1. In your Shopify admin, go to Finances > Credit.
2. Click Manage cards.
3. In the Cardholders section, click the cardholder that you want to edit the monthly spending limit for.
4. In the Monthly spending limit section, click Edit.
5. Enter a value for the new monthly spending limit, and then click Save.

Resend a secondary cardholder invitation

1. In your Shopify admin, go to Finances > Credit.
2. Click Manage cards.
3. In the Cardholders section, click the staff member that you want to resend the invitation to.
4. Click Resend invitation.

Remove a secondary cardholder

If you deactivate a staff member's account who's a secondary cardholder with active cards, then that cardholders cards are automatically locked and can't be used. If you reactivate that staff member's account, then their cards are automatically unlocked and can be used again.

If you remove a staff member's account from your store who's a secondary cardholder with active cards, then their cards are canceled and can't be used.

You can also remove a secondary cardholder without deactivating or removing their staff account.

Steps:

1. In your Shopify admin, go to Finances > Credit.
2. Click Manage cards.
3. In the Cardholders section, click the cardholder that you want to remove.
4. Click &hellip, and then click Click Remove cardholder.
5. Click Remove cardholder.