In our Winter 2026 Edition we announced a number of exciting updates across Shopify Finance to support your business at every stage of growth. These new capabilities provide easier ways to manage money, strengthen cash flow, and streamline all money movement. Allowing you more time, focus, and cash to expand inventory, invest in marketing, and grow your business.
Shopify’s finance tools—including Balance, Capital, Credit, Bill Pay, and Tax products—are built into the admin experience and integrated with your store by default. This allows your money to go further day-to-day, and as your business matures.
Automations make managing money fast and simple. Proactive credit and funding offers are determined by store performance and surfaced automatically to help you easily manage cashflow when you need it. Cashback on business spending stretches every dollar reinvested, and daily earnings on all your money compounds your efforts.
All the financial tools your business requires have been optimized for fast, efficient growth right where you sell.
What's new: more speed, flexibility, and control
Shopify understands the financial challenges that commerce businesses face and the opportunities they need to succeed. That’s why we continue to invest in money tools that remove barriers and support your business at every stage of growth.
Here's a quick recap of what's new.
The most flexible and accessible Capital yet
The new Capital flex account1 (available in the US) provides continuous access to the funds you need to seize growth opportunities the moment they strike. With just one application, you can get ongoing access to funding as you repay. We've also expanded access to our existing performance-based, fixed funding offering2 across more European markets.
Credit card limits that grow with your business
New dynamic credit limits for Shopify Credit3 automatically adjust based on store performance, so your access to credit meets your business needs in real-time. We've also raised the rewards cap to $250,000, so you earn even more cash back on eligible expenses4.
Manage budgets effortlessly
Save time allocating funds for ongoing business expenses and obligations like payroll, marketing, inventory, and sales tax with automated transfers that divide payouts into designated Balance accounts5 .
More ways to move money, faster
With same-day ACH, you can pay suppliers and yourself within the same or next business day when you transfer by 1 pm ET6. And now, you can add checks to your Balance account right from the Shopify mobile app—and get extra earnings7 on every dollar.
More control and security at your fingertips
With real-time SMS fraud alerts, you can quickly deny or confirm suspected fraud on Balance and Credit transactions, and easily manage disputes directly from admin—no need to contact Support. Store owners with staff can delegate spending while maintaining full financial control by issuing cards with spending limits for Balance and Credit accounts.
Your financial partner in commerce
Your financial tools should provide a foundation for efficient business growth, not stand in your way. Shopify Finance gives you a strategic advantage with flexible tools powered by your store’s performance data, to help you navigate any sales period and every stage of growth with more cash flow, visibility, and control.
Visit Finance in your Shopify admin to start managing your money with Balance and discover which lending products you’re eligible for.
Learn more about Shopify’s complete suite of financial tools.
Shopify is a technology company, not a bank. We provide financial services in partnership with Stripe, Fifth Third Bank, Member FDIC, Celtic Bank, and WebBank in the US. Shopify Bill Pay is powered by Melio.
1 Applying for a flex account offer does not guarantee approval. Flex account borrowing capacity is an estimate of the total funding you could request and may fluctuate weekly based on factors including your sales and business activity. The availability of funds is not guaranteed and remains subject to additional approval. All flex account withdrawals are due in full within a maximum of 18 months from the date of the withdrawal.
2 Available in select countries. Offers to apply do not guarantee financing. Offers are subject to change based on several factors including your store's performance and the review of your financial information. Financing through Shopify Capital is either in the form of a merchant cash advance (MCA) or loan depending on location.
3 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. Shopify Credit is a pay-in-full card. Shopify reserves the right to modify or revoke offers at any time. See Issuing Bank Terms and Shopify Credit Program Terms. 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.
4 "Cashback" refers to rewards earned as a percentage discount on eligible purchases. 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 Program Terms for details.
5 Shopify partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Member FDIC.
6 Most transfers submitted before 1:00 pm EST arrive on the same day. Transfers submitted after 1:00 pm EST or on weekends and holidays are processed the next business day.
7 The Balance earnings rate is a reward provided by Shopify and is not interest. The rate is variable, subject to change without notice. The reward accrues daily and is compounded and paid monthly in the form of a credit to your Balance account. ACH limits may apply. See Reward Terms. Stores on Shopify Plus are rewarded with 3.32%, and all other plans receive 2.29% as of January 22, 2026.
