When working with B2B customers in Shopify, vaulted credit cards allow merchants to securely store payment methods at the company location level and use them to pay draft invoices — including aggregate draft orders generated through Send To Many.
This guide explains:
How vaulted cards are saved
How they’re used on draft invoices
How they work at B2B checkout
How to verify company and permission settings
What must be configured to use a vaulted payment method to collect payment for a draft order or for a B2B customer to complete their own checkout with a vaulted payment method.
1. Associating a B2B Customer with a Send
When creating a Send in Send To Many, select a customer that already has a Company + Location associated.
If the B2B customer is not yet set up:
Go to Shopify Admin → Customers → Companies
Create the company
Add at least one location
Assign the customer contact to that location
To create a B2B Send, the customer must be associated with a company location.
2. Confirming the Selected Company Location
Once selected, you’ll see:
Company name
Location
Billing address tied to that location
All of the following are tied to the location, not just the company:
Payment terms
Catalog pricing
Vaulted payment methods
Checkout behavior
3. B2B Catalog Pricing Applies Automatically
Send To Many respects Shopify B2B pricing:
Catalog pricing assigned to the company location
Any price adjustments defined in B2B
These adjustments are applied automatically when the draft order is generated.
4. Draft Orders with Payment Terms & Deposits
When Send To Many generates the aggregate draft order for the Send, it will automatically be associated with the customer's company location. Any catalog discounts will be applied. And if you select "Payment due later", default terms will be applied.
You can add or change Payment terms (e.g., Net 15)
You can add or change a Deposit (e.g., 25%), unless it's required for the location.
Shopify calculates:
Total due today
Remaining balance due later
5. Reserving Inventory Before Sending Invoice
Before sending an aggregate draft invoice, you can:
Reserve inventory
Hold items until a specific date/time
This is helpful when:
Awaiting deposit payment
Working through internal approvals
Protecting limited inventory
6. Charging a vaulted card or sending an invoice email
If the company location has a saved payment method, and the admin has proper permissions, you can charge the vaulted card directly from the draft order.
Or you can send an invoice:
7. B2B Checkout with Vaulted Cards
Whether sending an invoice or if the Send originates from the storefront and the customer is logged into their B2B account, vaulted cards are available at checkout.
At checkout:
Payment terms are shown
Deposit requirements are displayed
Previously saved cards tied to the location are available
The CTA reads Confirm order instead of “Pay now”
8. Saving a Card During Checkout
If the customer doesn't already have a saved payment method associated with their location, they can add one during checkout. It will be available for future transactions.
When selected:
The card is vaulted
It becomes available for future draft orders
Other authorized contacts at the location can use it
9. Adding a Payment Method from the B2B Account
A customer who is assigned as a location manager can also add a payment method by logging into their account on your store:
B2B Account → Profile → Location Details
Inside the B2B account:
Company and location are displayed
Saved payment methods appear under Payment methods and new ones can be added for future use
Payment terms are shown
Staff permissions are visible
All vaulted payment methods are tied to the location, not the individual user.
Setting up B2B in Shopify for vaulted card payments
NOTE: B2B and vaulted payment methods are only available on the Shopify Plus plan.
For all of this to work properly, you'll need to confirm a few settings in Shopify. Here's a couple of Shopify help docs for more details:
1. Confirm Company-Level Setup
In Shopify Admin:
Customers → Companies → Select Company
Confirm:
Company is approved
At least one location exists
Payment terms are defined (e.g., Net 15)
Catalogs are assigned
Customers are associated with the company
Payment terms and payment methods are applied at the location level.
2. Confirm the Location Has a Saved Payment Method
Click into the location (e.g., “HQ”).
Verify:
Payment methods show “1 saved” (or more)
Billing details are correct
Payment terms are set
If no payment method is saved:
The customer must save one at checkout
Or add one from their B2B account page
3. Enable Admin Permission to Charge Vaulted Cards
Even if a payment method exists, admins cannot charge it unless permission is enabled.
In Shopify Admin:
Settings → Users and permissions → Select user
Under Draft Orders permissions, enable:
Charge vaulted payment method
This permission is disabled by default.
Without it:
You can see saved cards
But cannot charge them on draft orders
With it enabled:
You can collect deposits
Charge balances later
Apply payment directly to aggregate invoices
4. Confirm Customer Location Permissions
Vaulted cards are available to contacts assigned to the location.
On the location page, confirm the customer contact is assigned as either:
Location Admin
Can manage payment methods
Can update addresses
Can manage users
Can place B2B orders
Ordering Only
Can place B2B orders
Can use any vaulted payment method tied to the location
Cannot manage company settings
Any contact assigned to the location can use the saved payment methods at checkout.
B2B invoices, vaulted cards and Send To Many
For Send To Many aggregate draft invoices:
A Send is associated with a Company Location.
Shopify generates a draft order under that location.
Payment terms and deposit rules apply.
If a vaulted card exists:
Admin can charge it (with permission enabled).
Customer can use it at checkout.
Charges are processed via Shopify Payments under the company location.
Vaulted Card Requirements Checklist
Before charging a B2B draft invoice:
✅ Company exists
✅ Location exists
✅ Customer is assigned to the location
✅ Payment terms are configured
✅ A payment method is saved at the location
✅ Admin has “Charge vaulted payment method” enabled
✅ Draft order is tied to the correct location
If all are true, you can:
Directly charge the vaulted card to collect payment and complete the draft order
Or, send the invoice to the customer and allow them to use their vaulted payment method, with or without additional payment terms being applied.
Why This Matters for Corporate Gifting
Send To Many often generates:
High-value aggregate draft invoices
Multi-recipient B2B gifting orders
Orders requiring deposit + terms
Repeat corporate purchases
By using Shopify's B2B customers, invoices and vaulted payment methods you can:
Reduce friction
Shorten sales cycles
Enable fast deposit collection
Support repeat purchasing
Work seamlessly across admin and storefront flows
When configured correctly, Shopify’s B2B vaulted payment model integrates cleanly with Send To Many’s aggregate invoice workflow.