Numbers stay right
If Shopify resends the same order multiple times, Quay recognises it and never double-counts. Available credit stays accurate, every time.
Since Shopify Winter ’26 — B2B net terms on every plan
Net terms are open to every
Shopify plan now.
Quay is the safety belt.
On April 2, 2026, Shopify made native Net 30, 60, and 90 available on Basic, Grow, and Advanced — not just Plus. Granting credit is now one checkbox. Getting paid is the same problem it always was.
- Monitor only — watch the numbers, touch nothing.
- Pay on order — over the limit? Net terms drop, card stays.
- Hard block — overdue or paused? Checkout stops.
Why merchants install Quay
Net terms without controls is a problem merchants already feel
Real, public posts from the Shopify Community — the exact asks Quay was built to answer.
“It shocks me that Shopify doesn’t have this as a built in feature.”
“Set the limit each customer can ‘over-spend’ (buy without paying).” “Track the amount each customer has over spent.” “Set a limit to the duration that they can go without paying up (eg. Net 30, etc).”
“They would have to use a credit card and pay for each order which they are not willing to do.”
A credit limit per company, a live view of what’s owed, and enforcement when a buyer is over or overdue. That’s Quay.
0%
Of in-plan B2B orders checked at checkout
$0
Markup on your payment processing
0d
Free trial on every plan
0
Policy presets, fully editable
How it works
Four steps from install to enforcement
Quay defaults to no enforcement on install, so you can configure everything before any buyer checkout is affected.
01
Install
One-click install from the Shopify App Store. No policy is assigned yet, so enforcement stays off until you set it up. Installing changes nothing at your checkout.
02
Set credit limits
In Quay's company list, set each B2B company's credit limit. Stored as a Shopify-side metafield scoped to your store — readable by your staff, locked from other apps.
03
Assign a policy
Choose from five presets covering everything from monitor-only to hard hold — or clone one to customize. One policy per company. Change anytime.
04
See it work
At checkout Quay enforces the chosen mode: off, hide net terms, or hard block. The AR aging dashboard updates as orders come in; a held buyer sees a banner in their Shopify account explaining why.
01
Configurable enforcement
Three modes per company, your call
Choose how Quay enforces each customer's credit limit: Monitor only (track only — no checkout block), Pay on order (buyer pays by card or Shop Pay), or Block new orders (the order doesn't go through). Assign one mode per company; clone presets when you need to deviate.
- ✓Five policy presets — from monitor-only to hard hold
- ✓Custom block message — your tone, your contact
- ✓Runs natively at Shopify checkout
Acme Wholesale Pay on order Over the limit
Net 30 invoice Hidden — over credit limit
Credit card · Shop Pay ✓
Over the limit → net terms are hidden, so the buyer pays now by card. Checkout still completes — no block.
Acme Wholesale Block new orders Overdue
This order can’t be completed.
Your company has overdue invoices. Please contact our accounts team at [email protected].
Overdue past the policy threshold → checkout is blocked with your message. Company-level — it never names a specific invoice.
Two of the three modes. Monitor only lets every order through.
Total AR
$84,213
Due in next 7 days
$12,480
Overdue %
28.4%
Company Outstanding Status
Northwind Pantry Co. $4,820 28d
Foothills Apparel $2,140 38d
Sage & Sumac Spices $7,800 67d · hold
Marin Coffee Roasters $1,275 49d
Lumen Hardware Supply $3,200 6d
02
AR aging dashboard
See your money, grouped by how late it is
Total AR, total overdue, and due in 7 days at a glance, five aging buckets, drilldown by company. Recomputed as orders come in.
- ✓Current / 1–30 / 31–60 / 61–90 / 90+ buckets
- ✓Per-company drilldown + aging & hold-status badges
03
In the buyer's account
Buyers see why checkout is on hold — without emailing you
When a company is over its limit or on credit hold, Quay shows a clear banner inside the buyer's Shopify customer account — explaining the restriction and who to contact. It stays at the company level and never lists another contact's orders. Healthy accounts see nothing. Included on every plan.
SS
Sage & Sumac Spices
Trust
Built to handle real money
Three commitments about how Quay works underneath
Your data is yours
One store's data simply can't be queried by another store. Not a policy or a promise — a constraint built into how the database is accessed.
We make money one way
The subscription. No cut of your AR, no markup on payment processing, no selling your data. Quay grows when the subscription is worth paying — no other way.
Native Shopify B2B vs Quay
Shopify gives you the controls to extend credit.
Quay gives you the controls to manage it.
Shopify B2B handles the mechanics — Net 30 dropdowns, payment terms per company, vaulted cards. What it doesn’t include is the consequences: who’s overdue, who’s at their limit, who should be paused. That’s the layer Quay adds.
| Capability | Native Shopify B2B | Quay |
|---|---|---|
| Companies, locations & Net 7–90 payment terms | ✓ all plans (since Apr 2026) | ✓ uses native |
| Vaulted credit cards & ACH (US) | ✓ all plans | — relies on native |
| Draft orders for manual review | ✓ all plans | — replaced by auto-policy |
| Deposits & partial payments | ✓ Plus only | — relies on native |
| Unlimited catalogs | ✓ Plus only (non-Plus: up to 3) | — relies on native |
| Credit limit per company (a debt ceiling) | — | ✓ |
| AR aging dashboard — overdue by company & bucket | — | ✓ |
| Auto-enforcement at checkout (over limit or overdue) | — manual draft review only | ✓ Cart Validation Function + net-terms suspension |
| Per-company policy framework (5 presets × 3 modes) | — | ✓ |
| Manual override — pause one company without code | — | ✓ |
| Audit log of credit & policy changes | — | ✓ |
| Reconciliation — projected AR vs Shopify orders | — | ✓ |
On the smallest end — under 10 companies, every order reviewed by hand — native Shopify B2B is enough. Quay earns its keep when you stop having time to read every draft.
Just turned on net terms?
Start safe, tighten as you learn
- 1
Start with zero enforcement
Leave companies unassigned. Quay tracks AR and credit usage but changes nothing at checkout — no risk on day one.
- 2
Find the slow payers
Watch the AR aging dashboard for a week or two. See who runs late before you enforce anything.
- 3
Tighten company by company
Promote risky companies to stricter presets; pause a problem account with a manual hold. Reversible any time.
Pricing
Pick by how many companies you have
Up to 25 companies → Starter. Up to 100 → Growth. Beyond that → Scale. Same features on every plan. Billed monthly through Shopify, 14 days free, cancel anytime from your Shopify Admin.
Starter
$39/ mo
Just past spreadsheets.
- 25 companies under enforcement
- Configurable enforcement · AR aging · 5 policy presets
- Email support
Sweet spot
Growth
$79/ mo
Real wholesale, not a side hustle.
- 100 companies under enforcement
- Configurable enforcement · AR aging · 5 policy presets
- Priority email support
Scale
$149/ mo
You have an accounts team.
- Unlimited companies
- Configurable enforcement · AR aging · 5 policy presets
- Direct chat support
FAQ
Common questions
Does Quay require Shopify Plus?
No. Quay is designed to work on any Shopify plan with B2B customers — no Plus migration required. Several competitors are Plus-only; not requiring Plus is one of our differentiators.
What changed on April 2, 2026?
Shopify's Winter '26 release opened native B2B to all paid plans. Company profiles, per-company payment terms (Net 7/15/30/45/60/90), and self-serve B2B ordering — previously Plus-only — are now available on Basic, Grow, and Advanced. A few features stay Plus-only: deposits and partial payments at checkout, and unlimited catalogs (non-Plus plans get up to three). The upshot: any B2B merchant can now extend net terms in a few clicks — but native Shopify B2B stops at the mechanics. It doesn't include credit limits, an AR aging view, or automatic enforcement when a buyer is over their limit. That's the layer Quay adds.
Can I just use native Shopify B2B without Quay?
Yes — for the right size. Native Shopify B2B (now on all plans) gives you Net 30/60/90 payment terms per company, vaulted credit cards, and a per-location flag that sends every order to draft for manual review. If you have a small B2B operation — say, under 10 companies — and you're comfortable reviewing every order by hand, native is enough. Quay adds the credit-management layer Shopify doesn't include: a per-company credit limit (a debt ceiling), an AR aging dashboard so you can see who's overdue, automatic enforcement at checkout when a buyer is over their limit, and a per-company policy framework so you can set trust levels without touching code. Use Quay when reviewing every order by hand stops scaling.
What happens to my data when I uninstall?
Your access tokens and sessions are deleted immediately, and the rest of your shop data is scheduled for deletion 30 days later. The grace window means a reinstall within 30 days keeps your policies and history; otherwise everything — audit log, order-invoice projection, policies, and caches — is permanently deleted. Opt into Shopify's "delete app data" choice on uninstall and we wipe everything immediately instead. Nothing is retained indefinitely. See our Privacy Policy for the full lifecycle.
Does Quay slow down my checkout?
No. Our Cart Validation Function runs under Shopify's 5-millisecond per-invocation budget — well below the threshold buyers would notice. It reads from Shopify metafields directly, with no external network calls.
What happens if Quay errors at checkout?
Quay is fail-open: if our function errors or its data is missing, the order proceeds and we emit an alert. Blocking your buyer's checkout because of a Quay bug is worse than letting one over-limit order through.
What do my buyers see in their Shopify account?
When a company is over its limit or on credit hold, Quay shows a single banner in that buyer's Shopify customer account explaining the restriction and who to contact. The message is composed at the company level and never names a specific invoice or another contact's order, so it can't leak one buyer's data to another. Healthy accounts and direct-to-consumer customers see nothing. Buyers authenticate through Shopify's Customer Account, and application queries are scoped by shop ID through a Prisma extension that throws when that scope is missing.
Does Quay run credit checks or lend money?
No. Quay enforces credit limits that you configure. We don't assess buyer creditworthiness, run credit checks, or make lending decisions. Credit-extension risk and decisions stay with you.
Can I put a specific company on credit hold without changing its policy?
Yes. Each company has a manual enforcement override (off / hide net terms / hard block) that takes precedence over the assigned policy. Use it to pause, soft-hold, or hard-hold a single company without changing the policy you've assigned.
Can I customize the message my buyer sees when checkout is blocked?
Yes. The block message is configured per policy — your tone, your contact info, your wording. Set it once per preset; it applies to every company assigned that preset.
Is Quay GDPR compliant?
Yes. We implement the three Shopify GDPR webhooks (customers/data_request, customers/redact, shop/redact). Our Privacy Policy together with our Terms of Service constitutes the written processing agreement required under GDPR Article 28. See the Privacy Policy for full details.
How do I cancel my subscription?
Anytime from your Shopify Admin → Settings → Apps and sales channels → Quay → Uninstall. Your subscription stops at the end of the current billing period per Shopify's billing terms. No support contact required.
Stop reviewing every B2B order
let Quay enforce the credit
Install Quay, set your credit limits, assign policies. Quay enforces at checkout the moment you turn it on per company — and since default is off, installing is risk-free until you're ready. Fourteen days free, then $39/mo. No payment-processing fees on your sales, ever.