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Understanding Shopify Balance transactions and spending limits

With Shopify Balance, you can transfer funds, view your account transaction limits, and export transactions for your accounting software from your Shopify admin.

Your Shopify Balance account has daily spending limits for different transaction types. Daily spending limits are reset at midnight Coordinated Universal Time (UTC). Daily limits are based on the authorization date, not the processing date. For example, if you authorize a transaction on Monday, but it's processed on Tuesday, then that transaction still counts toward Monday's daily limit.

Learn more about Shopify Balance, such as managing your account, multiple accounts, managing your card, and Shopify Balance rewards.

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Fees

Shopify doesn't charge any fees for using your Shopify Balance card, but Automated Teller Machine (ATM) provider fees might apply. You can find more information about fees in your Terms of Service.

Shopify Balance spending limits

Each Shopify Balance card has a maximum daily spending limit. Most new accounts start with a daily limit of $5,000 USD per card. As your business grows and establishes a track record with Shopify, your limit may increase automatically.

Your daily spending limit is personalized based on your business profile, including factors such as the following examples:

  • How long you've had a Shopify Balance account
  • Your store's sales history
  • Your transaction history with Shopify Balance

For example, you can spend up to $5,000 USD per day on your physical card and up to $5,000 USD per day on your virtual card. Account owners can also set a monthly spending limit for each card.

ATM withdrawal limits

Most new accounts start with a daily limit of $500 USD. As your business grows and establishes a track record with Shopify, your limit may increase automatically, up to $1,000 USD.

Daily ATM withdrawal limits include any ATM provider fees that might be charged when you withdraw funds. For example, if your remaining daily ATM withdrawal limit is $200 USD and the ATM provider fees are $3 USD, then you can't withdraw more than $197 USD.

If there's a problem with your ATM cash withdrawal, then contact the ATM provider.

Failed transactions

If your bank account doesn't have enough funds, then the transfer might fail, or your bank might charge a fee if your account becomes overdrawn. Failed transactions don't display in your Shopify Balance account.