Shopify Finance
Put your money where your business is
We're your platform partner, not a bank. Shopify works with trusted financial institutions to build the most efficient tools for commerce growth. Money transmission services and account services are provided by Stripe Payments Company with funds held at Fifth Third Bank N.A., Members FDIC. Shopify Balance Visa® Commercial cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. Images may not reflect the experience on Shopify's platform.
Grow faster with finance tools that grow with you
Fast payouts, extra earnings
Access your store payouts as early as next day,1 and earn up to 3.32% on every Balance account.2
Funding that scales
Unlock bigger Shopify Capital and Credit offers as your business evolves. No credit checks or long applications.3
Spending with up to 3% cashback
Use Shopify Balance and Credit for ongoing savings on apps, marketing, shipping, and eligible commerce essentials.4
Bills made painless
Automate every bill in your inbox with Shopify Bill Pay, and repay Capital loans or Credit from daily store sales.
Stress-free sales tax
Calculate sales tax at checkout then set it aside in an account that earns you cash.
And filing? Shopify Tax automates that too.
Shopify Balance
A free business account to maximize your cash
Unblock your cash flow
Sustain cash flow with payouts as fast as the next business day,¹ and keep suppliers happy with same-day ACH.⁶
Put your money to work
Earn up to 3.32% on every dollar in Balance,² and get 2% cashback on eligible Balance Visa® purchases.⁴
Manage funds like a pro
Set budgeting to cruise control with auto-transfers that divide payouts into dedicated accounts for inventory, payroll, savings, and more.
Nothing to slow your growth
No minimum balance to maintain, no account fees, and no ACH transfer fees. No extra steps between your business and your finances.
Enterprise-level protection
All Balance accounts are eligible for pass-through FDIC insurance up to $250,000.7 Powered by Visa and Stripe. Continuously monitored and protected by Shopify security protocols.
Eligible for pass-through FDIC insurance
Protected by Visa®
Encrypted by Shopify
Shopify is a tech company, not a bank. We partner with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC. Shopify Balance Visa® Commercial cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.
Shopify Capital
Funding your ambition at every stage
Easy application, no credit checks
Eligibility is based on store performance, not personal credit history, and offer amounts scale to support your business.⁸
Access funds quickly
Most approvals take days, not weeks. If approved, funds are delivered in as little as two business days, so you can act on opportunities quickly.⁹
Repay as you sell
Pay back your loan from a percentage of daily sales. Slower sales equals smaller payments, so you can keep your business running.
With a few clicks, we had the money in our account in 24 hours, which is amazing.
Available in select countries. All loans through Shopify Capital are issued by WebBank in the United States. Offers to apply do not guarantee funding. Shopify Capital loans are repaid based on a percentage of daily sales. The maximum repayment term is 18 months, and 2 minimum payments apply. The actual time period within which the loan is repaid may be less than 18 months.
Shopify Credit
Supercharge your spending power
3% cashback where you spend most
Need marketing, shipping, or wholesale? Get 3% back on the category with the biggest bills (on up to $250K per year) and 1% on the rest.⁴
$0 in annual fees
The Shopify Credit pay-in-full Visa® card charges no annual fees.
No transactional fees
International payments, secondary cards, and replacements—all included.
Choose how you repay
Pay in full monthly and skip fees, or over 10 months from a percentage of your daily sales.¹⁰
Shopify Bill Pay
Take bill payments off your plate
Pay your way—even with credit cards
Choose from a variety of payment methods. Vendors still receive funds via check or bank transfer.
Auto-schedule payments
Easily add bills and set up one-time, recurring, or batch payments.
Save time and money
Clear your to-do list by combining bills, and pay for free from your Balance account.¹¹
Shopify Tax
Your 24/7 sales tax copilot
Delivers real-time liability insights
View a state-by-state breakdown of potential liability, and get notified when your sales exceed a threshold.
Auto-calculates rates at checkout
Tax on applicable purchases is calculated for you based on 11,000+ jurisdictions, product tax codes, special rates, holidays, and exemptions.
Sets aside the amount to remit
Collected sales tax is automatically transferred to a dedicated Balance account, so it's ready for remittance.
Has your back at filing time
Skip the stress. Easily set up, review, and auto-remit your taxes.
All the money features you need
Manage money with Balance
Ultrafast payouts
Payouts from sales arrive in your Balance account as fast as the next business day.
Zero account fees
There are no annual, monthly, or ACH transfer fees associated with your Balance account. ATM providers may charge a fee, but we won’t.5
Free dedicated accounts
Use up to 6 accounts to organize expenses like payroll, inventory, marketing, and savings.
Up to 3.32% earnings rate
Earn 3.32% (for Shopify Plus plans) or 2.29% (for Basic, Grow, and Advanced) on every dollar in your accounts—even reserved sales tax.2
Automatic transfers
Set up auto-transfers to divide and send payouts into dedicated accounts.
Cashback on business spending
Get 2% cashback (up to $2,000 a year) on eligible purchases, and access exclusive partner discounts.4
High transfer limits
Send larger transfers with limits tailored to your business—up to $1M per day for Shopify Plus.
Same-day ACH
Send before 1:00 pm ET to have transfers arrive same business day. Track in real time right up to when they're delivered.6
Card locking
Lock and unlock cards in a few clicks for extra spending control and security in case of loss.
Fraud alerts
Avoid interruptions from fraudulent charges (and false alarms) with one SMS reply to confirm or deny a flagged transaction.
Check acceptance
Add checks to your Balance account in a snap using the Shopify app.
Access funding through Capital
Easy online application
Receive offers and apply directly in your store admin, with minimal paperwork. Learn if you're approved in days, not weeks.
Performance-based offers
Offers and approvals are based on your store sales volume, growth potential, and other factors. No credit checks necessary.
Fast deposits
If approved, funds will arrive in your main Balance account in as few as two business days.
Sales-based repayments
Automatic repayments are based on a percentage of daily sales. Payments are only deducted on business days with sales.⁸
Funding that grows with you
Borrow sustainably with funding offers based on your business cycles and sales performance. As you scale, offers grow with you.
Early renewal
If eligible, apply early and tap into the next round of funding before your current round is fully repaid.
Flex account
Eligible stores can access ongoing funding with one application. Request withdraws, spend on what you need, and funds refill as you repay.
Spend and earn with Credit
Risk-free application
Apply with confidence—no credit checks or impact to your personal credit score.³
Payment options
By default, you'll pay your full balance monthly, or you can choose sales-based repayments for a fee. You can make manual payments any time.¹²
Sales-based repayments
Take up to 10 months to repay your statement balance from a percentage of daily sales, with fee discounts for early repayment.¹²
No additional fees
No setup, annual, card replacement, additional card, or foreign transaction fees, period. Only pay fees for extended or late repayments.
3% cashback on your top spend
Get 3% back on up to $250,000 of purchases in your top spending category (marketing, shipping, or wholesale), and 1% after the limit.⁴
...and 1% cashback on the rest
Get 1% cashback (unlimited) on your other two eligible spending categories—marketing, shipping, or wholesale.⁴
Performance-based offers
Offers and credit limits are based on your sales and track record, and evolve with your business.³
Pay-in-full Visa® card capabilities
Enjoy Visa® perks with your card: built-in fraud protection, extended purchase protection, emergency assistance, and more.
Automate with Bill Pay
Payment methods
Pay your bills with credit, debit, ACH bank transfers, or your Shopify Balance account.
Payment delivery options
Choose how vendors get paid, with options varying by speed and location, including ACH bank transfers, checks, and wire transfers.
Free payments with Balance
Skip payment fees when you pay bills directly from your Shopify Balance account.¹¹
No subscription fees
There are no monthly or annual fees to install or use Bill Pay.
Scheduled payments
Meet payment deadlines by scheduling individual or recurring payments in advance.
Batched payments
Avoid individual payment fees and save time by combining bill payments.
Software integrations
Automatically sync bills and vendor details from Gmail and QuickBooks® Online and convert Stocky purchase orders into bills.
Email forwarding
Use your unique Bill Pay email address to receive bills and they'll automatically appear in your Shopify Bill Pay inbox for payment.
Stay compliant with Tax
Liability insights
Understand your obligations with a state-by-state breakdown of potential liability, and plan accordingly as you approach tax thresholds.
Smart product categorization
Get category suggestions to find the best fit for your products and improve rate and calculation accuracy.
Rooftop accurate calculations
Taxes are calculated at checkout using precise buyer addresses and product categories.
Set aside sales tax
Automatically transfer sales tax collected at checkout into a dedicated Balance account, so you're ready to remit.
Automated filing
Simplify tax season by automating the prep work, sales tax filing, and remittance for every state you're liable in.
Tax holiday exemptions
Shopify Tax automatically applies tax holiday rates on qualifying products in participating states.
Exemption management
Manage exemptions within your company and customer profiles, so they can be automatically applied to transactions.
There’s money in store.
Shopify Bill Pay is powered by
Shopify is a tech company, not a bank. We partner with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC. Shopify Balance Visa® Commercial cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. All funding through Shopify Capital in the U.S. is issued by WebBank. Shopify Credit Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. See Issuing Bank Terms and Shopify Credit Program Terms.
- 1. Shopify Payments payouts are typically deposited into your Shopify Balance account within 1-3 business days, and no later than 5 business days. Payouts sent to an external bank account usually take over a week longer to process.
- 2. This is a reward provided by Shopify and is not interest. The rate is variable, subject to change without notice, and accurate as of December 11, 2025. The reward accrues daily, and is compounded and paid monthly in the form of a credit to your Balance account. ACH limits may apply. View Reward Terms. Stores on Shopify Plus are rewarded with 3.32%, and stores on Basic, Grow, and Advanced plans receive 2.29%.
- 3. Eligibility for Shopify Credit is primarily based on several factors, including your business's performance rather than your personal credit score. In some cases your business credit history might be reviewed.
- 4. "Cashback" refers to rewards earned as a percentage discount on eligible purchases. With Shopify Credit, earn 3% cashback as a statement credit on up to US$250,000 of annual eligible purchases in your monthly top spend category—either marketing, fulfillment, or wholesale, and 1% cashback thereafter. Earn 1% cashback on the other two spend categories. Restrictions apply. See Credit Rewards Program Terms for details. With Shopify Balance, earn up to $2,000 USD cashback on all eligible purchases per calendar year. This cashback limit may not apply to Shopify Partner offers. Learn more about Balance cashback rewards in the Shopify Help Center.
- 5. Shopify Balance has no monthly, annual, or ACH transfer fees. Shopify doesn't charge any ATM withdrawal fees, but you may be charged by an ATM provider.
- 6. ACH transfers initiated before 1:00 pm local time will be delivered on the same business day. Transfers sent after 1:00 pm arrive the next business day.
- 7. Shopify Balance accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to $250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. Neither Stripe nor Shopify are an FDIC-insured institution and the FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
- 8. Shopify Capital is available in select countries. All loans through Shopify Capital are issued by WebBank in the United States. Offers to apply do not guarantee funding. Shopify Capital loans are repaid based on a percentage of daily sales. The maximum repayment term is 18 months, and 2 minimum payments apply. The actual time period within which the loan is repaid may be less than 18 months.
- 9. Funds through Shopify Capital are added to your account in as little as two business days, if approved.
- 10. Shopify Credit is a pay-in-full card. By default, you are opted in to paying your full statement balance by an automatic debit from your designated bank account within 1 month to avoid fees. You have the option to switch to making daily payments from your sales and take up to 10 months to pay your full statement balance, for a fee. If payment is not received in full within 10 months, a 2% monthly late fee will apply to your past-due balance.
- 11. Standard bank transfers (3-4 days processing) with Shopify Balance are free with Bill Pay. Faster transfers and other payment methods have associated fees. Learn more.
- 12. Shopify Credit is a pay-in-full card with automatic monthly bank account debits by default, or optional daily sales payments over up to 10 months for a fee. A 2% monthly late fee applies to any past-due balance not paid within the 10-month period.