- Short answer
- If you deactivate Shopify Payments, Shopify's help says you must also close your Shopify Credit account.
- Who it covers
- Shopify Credit accounts; a residential address in the United States or Puerto Rico is required.
- How to close
- Contact Shopify Support and pay all amounts owed.
- Rewards
- Earned and unearned Shopify Credit rewards are forfeited when the account closes.
- Cards and debt
- On closure, cards expire immediately; you stay liable for outstanding obligations.
- Shopify Capital
- Capital funding received while on Shopify Payments blocks deactivation until fully repaid.
Does turning off Shopify Payments close Shopify Credit?
Shopify Payments must be set up or activated when you set up Shopify Credit, and the Shopify Credit requirements also cover turning Payments off:
If you deactivate Shopify Payments, then you must also close your Shopify Credit account.
Closing is your step: no page we read describes deactivation closing Shopify Credit by itself — as of September 30, 2026, across Shopify Credit's getting-started, account, rewards and cardholder pages, Program Terms Section 7.2, the Shopify Payments deactivation section and shopify.com/credit.
The deactivation section says you become ineligible for services that require Shopify Payments, such as Shopify Balance or Shopify Collective.
A Shopify Payments account issue is different: it locks your Credit cards, and if that is the only reason, they unlock once every issue is resolved.
What does closing Shopify Credit involve?
For cancellation, Shopify's help refers you to Section 7.2 of the Shopify Credit Program Terms: you request closure by contacting Shopify Support and paying all amounts owed, including Amounts Due.
Any earned or unearned Shopify Credit rewards are forfeited when your account is closed.
On closure, related cards expire immediately, access to Shopify Credit ends, and you remain liable for outstanding obligations.
What ties Shopify Credit to Shopify Payments?
Shopify Credit also requires a business type not prohibited from Shopify Payments, the same information requirements as Shopify Payments, and a residential address in the United States or Puerto Rico.
Separately, Shopify Capital funding received while using Shopify Payments blocks deactivation until the total amount owed is fully repaid.
With financial services on, switching business entities needs them all deactivated first; see changing business details with Shopify Credit open.
Without deactivating, you can use Shopify Payments alongside a direct third-party payment provider, except in multi-entity setups or on Shopify Plus with a signed contract. After deactivating, you can reactivate Shopify Payments or activate a third-party payments provider.
No page we read says whether Shopify Credit stays available next to a third-party provider — as of September 30, 2026, across Shopify Credit's getting-started page, the third-party page and shopify.com/credit.
No page we read says whether Shopify Credit can be reopened after you reactivate Shopify Payments — as of September 30, 2026, across Shopify Credit's getting-started and account pages, the Shopify Payments deactivation section and shopify.com/credit.
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