Managing credit limits

Where: OnAccount admin → Credit limits Who: Merchant admin Requires: the Credit plan (or higher)

A credit limit caps how much a company can owe on net terms at one time. You set limits here, and every other feature — online checkout, payment collection — reads the same values. Setting limits is usually the first thing you do, because the other features have nothing to enforce until limits exist.

How limits are decided (most specific wins)

You can set a limit at a few different levels. OnAccount always uses the most specific value that exists and falls back to a broader one when nothing more specific is set:

For a company:

this company's limit  →  shop‑wide company default  →  unlimited

For a location:

this location's limit  →  this company's location default  →  shop‑wide location default  →  unlimited

When a buyer is ordering for a specific location, both the company limit and the location limit apply. Whichever has the least remaining credit (limit minus what they already owe) is the one that binds.

"Unlimited" just means no limit is set. There's no separate toggle — clearing every level for a company or location makes it unlimited.

All amounts are in your store's primary currency. A buyer checking out in another currency sees converted figures in messages, but the limit itself is the shop‑currency amount.

Set shop‑wide defaults

The shop‑wide company default and location default are the fallback for any company or location you haven't set individually. Set these so that even businesses you never touch one‑by‑one still have a sensible ceiling.

Editing a company's Override.

Set a limit for one company

1. Open OnAccount → Credit limits. The Companies table lists every company with its current Override, Effective limit, and Source (where the effective value is coming from).
2. Type an amount in the Override field for the company. Leave it blank to fall back to the default instead.
3. A save bar appears at the top — click Save. You'll see a confirmation.
4. The Effective limit and Source columns update to reflect the change.

You can edit several companies before saving — they're all saved together.

Set limits for a company's locations

1. From the Companies table, click a company name to open its detail page.
2. Default for this company's locations — one value that applies to any location of this company without its own limit. Save to set it, or Clear to remove it (it then falls back to the shop‑wide location default).
3. Locations table — set a per‑location Override for any location, edit as many rows as you like, and Save once. The Effective limit and Source columns show the resolved value and where it came from.

A company detail page with the location defaults and the Locations table.

Manage limits directly in Shopify (and in bulk)

Every limit OnAccount manages is stored as a standard Shopify metafield, and OnAccount automatically registers a metafield definition for each one. So the values you edit on this page are also visible and editable directly in the Shopify admin — and, because they're standard metafields, they can be read and written by bulk tools like Matrixify. That makes it easy to set or update limits across many companies at once, or to export them for review, instead of editing one company at a time.

The definitions live in the merchant‑owned onaccount namespace and are pinned, so they appear on the relevant pages without any extra setup:

Editing in Shopify and editing here are the same thing. Both read and write the exact same metafields, so a value you set in the admin (or import with Matrixify) appears on this page, and vice versa. Each value is a plain number in your store's primary currency and can't be negative, and the same most‑specific‑wins fallback rules apply no matter where you set it.

Good to know

• Limits apply to future orders. Changing a limit doesn't re‑evaluate orders that were already placed.
• Only net‑terms balances count. A pay‑in‑full order finances nothing, so it's never blocked by a limit.
• Outstanding balances update automatically. After an order is placed or paid, the company's outstanding balance refreshes within a few seconds. A just‑placed order may take a moment to show up — that's normal.
• Setting a limit doesn't block anything on its own. The blocking happens at the surfaces — see Online‑store credit limits.

If an outstanding balance looks wrong, run a full sync

Outstanding balances are kept in step with Shopify automatically — as orders are placed, paid, refunded, or cancelled — and a scheduled daily sync catches anything a missed notification dropped. One case it can't catch on its own: an order deleted in the Shopify admin. A deleted order no longer exists for us to look up, so if we never heard about the deletion, its balance stays counted against the company. The company then looks like it owes money it doesn't, and a buyer can be turned away at checkout on credit that's actually free.

The fix is one click. Go to Sync jobs and choose Run full sync. It re‑reads every B2B order from the last 400 days straight from Shopify and corrects the stored balances, including removing orders that no longer exist.

• Run it whenever a company's outstanding balance doesn't match what you see in Shopify.
• It's always safe: it only corrects stored balances and never changes an order.
• It takes a few minutes on a store with a long order history. You can leave the page — it keeps running.
• The same page lists recent jobs, both yours and the daily reconciles, with a live count of orders processed while one is running. That's there so you can see something is happening in the background.
• Run one after installing too, so credit limits and Delegate rules apply to orders placed before you installed.
• You don't need to run it on a schedule. Everyday changes are handled automatically.

Updated on: 31/08/2026