- Short answer
- Shopify says its Credit (US) and Capital applications involve no credit check; its Payments terms let it retrieve information from credit bureaus.
- Shopify Credit (US)
- Help Center: no "personal or business credit checks at any time"; SSN/ITIN is "for identity verification purposes only".
- Once you hold the card
- Issuing-bank terms, verbatim: "A default under these Issuing Bank Terms may be reflected in your credit report."
- Shopify Capital
- The "no credit checks" line is on Shopify's Capital marketing page; an underwriting review follows the application.
- Shopify Payments (US)
- The SSN or ITIN of the people on file is used to verify their identities, even with an EIN.
- Payments and your credit score
- Outside sole proprietorships and single-member LLCs, Shopify says SSN/ITIN use "would not affect their personal finances, credit score, etc."
- Shopify Payments terms
- Shopify may retrieve information about your business (you, if a sole proprietor) from credit bureaus; that may include credit history.
- Sole proprietorships (Payments)
- Shopify says the SSN or ITIN is also used to report your income tax.
Does applying for Shopify Credit trigger a credit check?
For the US Shopify Credit card, Shopify says no: its Help Center states that Shopify "doesn't run personal or business credit checks at any time and your application won't impact your credit score." The required SSN or ITIN is "for identity verification purposes only."
Is there a credit check for Shopify Capital?
Shopify's Capital marketing page advertises "no credit checks" and says the information it collects, owners' Social Security numbers included, "will not be used for a credit check."
The Help Center says Shopify Capital eligibility is evaluated automatically from factors including sales, disputes, customer interactions and your time on Shopify, and that an underwriting review follows the application (our Capital guide has more).
What do Shopify Payments and store sign-up ask for?
In the US, Shopify Payments requires the SSN or ITIN of the people on file "to verify their identities," even with an EIN. For business types other than sole proprietorships and single-member LLCs, Shopify says this "would not affect their personal finances, credit score, etc." For a sole proprietorship, the number is also used to report your income tax (more on Shopify and your SSN).
Separately, Shopify's Payments terms let it retrieve information about your business, or you as a sole proprietor, from credit bureaus and other information providers; that information may include credit history.
To register an account, Shopify's Terms of Service ask for your full legal name, business address, phone number, a valid email address and any other information indicated as required, plus a payment method on file for service fees.
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