Shopify B2B credit limits in multiple currencies: buyers in another currency, and a change of store currency

Published October 15, 2026

If you sell B2B on Shopify in more than one currency, your credit limits in Quay are still in your store’s currency, and only what a company owes you in that currency counts against them. Buyers who pay in another currency, through a Shopify market or a B2B catalog, don’t change that: Shopify records each of their orders in your store’s currency as well, and the order counts like any other.

A second currency appears when you change your store’s currency while companies still owe you on older orders. Those orders stay in the old currency, and Quay can’t convert them, because Shopify gives Quay no exchange rate between the two currencies for those orders. So that debt shows on its own line beside the balance, outside the limit, and it stays on statements and under the overdue rules. Limits aren’t converted either: after a switch, set each company’s limit again. The checklist is below.

Buyers who check out in another currency

If one of your Shopify markets or B2B catalogs is priced in another currency, the buyers it covers check out in that currency: euros, say, while your store runs in pounds. Shopify records each of those orders in pounds as well, and Quay adds that pounds figure to what the company owes. The order counts toward the limit like any other, and the buyer’s Finance and payments page shows what the company owes, and its credit, in pounds.

Checkout compares a cart with the company’s credit only when the company’s policy blocks orders over the limit. Then a cart bigger than the company’s available credit is stopped at checkout, while orders that fit still go through. If the buyer checks out in another currency, Quay converts the company’s available credit into the cart’s currency at the exchange rate Shopify priced the cart with, and Shopify records the order at its own rate, so an order that only just fits can leave the company over its limit. Under a policy that makes an over-limit buyer pay on order, nothing is converted: the order goes through, and Quay updates the company’s status from the amount Shopify records.

The two rates aren’t the same. The rate that prices the cart can include Shopify’s currency conversion fee, and Shopify records the order at its own rate of the moment. We measured the gap once, on our own test store with Shopify’s automatic exchange rate: Shopify recorded an order about 1.6% higher than the cart was worth at the rate that priced it. So an order that only just fits at checkout can be recorded about that much above the company’s remaining credit. Shopify’s conversion fee on your store and the day’s exchange rates change the gap, so yours can be bigger or smaller than 1.6%. If you set your own exchange rate for a market, the gap also includes the distance between your rate and Shopify’s, and it can be larger; we haven’t measured that case. The gap can also run the other way, so checkout can stop a cart that would have fit at Shopify’s rate. We haven’t seen that happen; it follows from how the two rates differ.

If you’ve connected Telegram, an order like that which isn’t paid at checkout raises the same “Blocked order went through” alert as an order someone pushed past a block. It doesn’t mean anyone overrode the block.

After you change your store’s currency

Orders placed before the switch stay in the old currency. What to do, and what to expect:

1. Set every credit limit again. Quay doesn’t convert limits. A limit entered as 5,000 while your store ran in Australian dollars reads as £5,000 once it runs in pounds, and checkout applies it as £5,000. A switch to a currency worth less per unit works the other way and shrinks every limit. After a switch from pounds to yen, a limit of 5,000 that meant £5,000 means ¥5,000, so until you set it again, a policy that blocks orders over the limit stops almost every cart from the moment of the switch. Under Pay on order, the company loses its net terms once it owes more than ¥5,000. So have the figures ready and set them straight after the switch: on the company’s page in Quay, or by ticking several companies on the companies list and using Set credit limit. Saving a limit brings checkout, the Quay card and your buyers’ credit figures up to date for that company within seconds; a Set credit limit on more than 25 companies runs in the background and updates them as it goes.
2. Old debt sits beside the limit, outside it. Say a company has a £5,000 limit, owes £1,200 on orders placed since the switch and A$1,000 on an order from before it. Quay shows £3,800 available. The companies list prints “Also owes A$1,000.00 in another currency” under the balance, and the company page adds “The limit counts GBP only.” Checkout leaves the A$1,000 out too: under a policy that blocks orders over the limit, the company can still order up to the full £3,800.
3. Old invoices still count for overdue rules. Overdue rules compare due dates, not amounts, so an unpaid invoice in the old currency can still put the company on Pay on order or Block new orders, on its policy’s schedule. Old orders also stay on statements and reports, in a section of their own.
4. Suggestions offers those companies no limit for a while. A suggested limit comes from the most a company owed you at one time on orders with payment terms in the last 12 months. A company that owed you on an order with payment terms in a currency other than your store’s at any time in the last 12 months gets no suggested limit, because Quay can’t convert that debt into your store’s currency, and applying its group leaves its limit as it is. A company whose payment record mixes both currencies shows Not rated, with “Mixed currencies” under it, in the Payment behaviour column until its old-currency orders stop counting (a paid order counts for 12 months from its due date, an unpaid one for as long as it is owed). Suggestions puts such a company in Not enough history yet, whose suggested policy is Probation, and as installed Probation blocks new orders from the first overdue day. Leave those companies out of that group when you apply it, unless Probation is what you want for them. How the groups work is in the credit limits guide.
5. Give the screens a night to agree. The company page and the Suggestions page use your store’s currency straight away. The companies list and the dashboard, their suggestions included, switch after Quay’s nightly check, which runs at 03:00 UTC. Until then they still treat the old currency as your store’s, so debt in the currency you switched to shows there as “in another currency”. Checkout, the Quay card on Shopify’s company page and your buyers’ credit figures catch up at each company’s next order, payment, refund or limit change, or after that same nightly check. The Activity log on a company’s page labels limit changes in the old currency until that check, and in your store’s currency from then on, the ones made before the switch included.

Where each currency shows

• Companies list: the Balance / Credit limit column compares what a company owes in your store’s currency with its limit, and the “available” or “Over by” line and the Over credit limit filter follow that figure. Any other currency sits on a line under it: “Also owes A$1,000.00 in another currency”. A company with no limit shows each currency’s amount on one line, then “No limit set”. The Overdue column shows each currency’s amount, your store’s first, for example “£300.00 · A$1,000.00”.
• Company page: Available and Used in your store’s currency, with any other currency under Used. A company with no limit shows every currency on its Owed line.
• Dashboard: “Companies over the credit limit” counts by the same rule, and Top debtors shows each currency’s amount.
• Statements and reports: a section per currency, each with its own totals.
• The Quay card on Shopify’s company page: the limit, Used and Available in your store’s currency only. The card shows no debt in another currency.
• Your buyers’ Finance and payments page: the Payment summary has one row per currency, your store’s first. The Credit summary shows the limit, Available and Used in your store’s currency only, with nothing for another currency. A statement, if you share them with buyers, has a total per currency.
• Checkout: shows the buyer no amounts. Under a policy that blocks orders over the limit, Quay compares the cart with the company’s available credit, converted into the cart’s currency, and stops a bigger cart with a message that starts “This order can’t be completed. It would exceed your company’s available credit.”

What still adds currencies together

The dashboard’s shop-wide figures add every currency into one figure, printed with your store’s currency symbol: Total AR, Total overdue, Due in next 7 days and the AR aging card. So do the ranking of Top debtors, its “Top 5 owe 57% of all AR” line, and the line estimating what the Standard policy would have blocked this week. For figures kept apart by currency, use the reports: Aging summary by company and Outstanding orders by company print a section per currency. Both are covered in accounts receivable for Shopify wholesale.

Where this fits

Quay has no currency setting to turn on. The one thing to redo after a change of store currency is each company’s limit. How a limit is chosen and enforced in the first place is in how to set B2B credit limits in Shopify, and what a block at checkout can and can’t stop is in blocking checkout over a credit limit.