Shopify Balance

Included with Shopify

Manage your store's payments and transactions from one place

Open account
A woman sits at a table looking at her phone. On the right side of the image, three rectangular boxes show dollar amounts with icons representing a dollar sign, a lock, and an arrow pointing right.

How it works

  • Easy access to funds

    Use the Balance Visa® card for everyday business purchases with no monthly fees, transfer fees, or hidden fees1.

  • Efficient financial management

    Organize your funds effectively by opening up to 6 free accounts within Shopify Balance, making it easy to manage bills, purchase more inventory, and set aside funds for taxes.

  • Annual Percentage Yield (APY) rewards and cashback

    Earn an APY reward2 on funds held in your Balance account, along with the opportunity to earn up to $2,000 USD cashback3 on eligible purchases made with your Balance Visa® card.

  • Complete financial visibility

    Get a full view of your business finances with Shopify Balance's integrated dashboards, filters, and reports, all directly within your Shopify admin.

Do more with Shopify tools

  • Designed to work with Shopify Balance

    Take advantage of other financial tools, like Shopify Capital, Shopify Credit, and Shopify Bill Pay.

    Explore Shopify Finance

Learn more

Shopify partners with Stripe Payments Company for money transmission services and account services with funds held at Evolve Bank & Trust and Fifth Third Bank N.A., Members FDIC. Shopify Balance Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.

  1. Shopify Balance has no monthly or transfer fees. Shopify doesn't charge ATM withdrawal fees, but you may be charged by an ATM provider.
  2. Shopify provides a reward in the form of an annual percentage yield (APY) on the money you hold in Shopify Balance, and it is not interest. The rate is variable and 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.
  3. Earn up to $2,000 USD cashback on all eligible purchases per calendar year. This cashback limit may not apply to Shopify Partner offers.