How to set wholesale customer credit limits

Offering payment terms is great for sales, but you don’t want a single buyer running up more debt than you’re comfortable carrying. Credit limits in Wholesale Payments cap how much a customer can owe at once, and restrict new payment-plan orders once they hit that cap. This guide shows you how to set them.

Before you start

• Wholesale Payments active and connected to Stripe. How to set up Stripe for wholesale payments
• Your wholesale roles set up, if you want different limits per role. How to create payment plans for wholesale customers

Set a credit limit

1. Go to Wholesale → Settings → Wholesale Payments.
2. Open the Checkout tab and find the Credit Limit section.
3. Turn on Enable Credit Limit.
4. Enter a Global Credit Limit, the maximum outstanding balance any customer can carry. Leave it blank for no global cap.
5. Choose an Enforcement Behavior: Block checkout (hide payment method), or Allow checkout but place order on hold.
6. To override the global cap for a role, set a per-role amount in the Credit Limit — [role name] field.
7. Click Save Changes.

How the two behaviors work

Block checkout (hide payment method) removes the Wholesale Payments option for a customer who is over their limit, so they can’t place a new payment-plan order until their balance comes down.

Allow checkout but place order on hold lets the order through but holds it for your review, so you can decide case by case.

Frequently asked questions

What counts toward the limit?
A customer’s outstanding balance, the total they currently owe across unpaid invoices.

Do per-role limits replace the global one?
Yes. A per-role amount overrides the Global Credit Limit for customers in that role. Roles without their own amount use the global cap.

Does a credit limit block all payment?
It restricts the Wholesale Payments option once the limit is reached. The customer can still pay in full with another method.

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