Account funds is a pre-paid balance on your Merch account. Send us money in advance, and that balance is available instantly to apply to any invoice — no card swipe, no ACH wait.
#Why teams use it
- Speed — when you place a fast-turn order, there is no payment to clear before production starts. The deposit pulls from your existing balance.
- Predictability — the balance is one number. You always know what is sitting on the account and ready to spend.
- Fewer transactions — wire once and cover dozens of invoices over the following weeks. Easier on your accounts payable team and easier on ours.
- Skip card processing fees — funds applied from your balance are not run through Stripe, so there is nothing to surcharge.
#Adding funds
There are two common ways:
- Wire transfer — use the wire details on any invoice (or get them from your account team) and reference your account number in the wire memo. Once funds land on our side, your balance updates in the portal.
- ACH — pay any open invoice for more than its amount, or send an ACH directly through your account team. The overage credits to your balance.
For card-funded balances, talk to your account team — card has processing limits and fees that may make a different path better.
#Where to see your balance
Open Billing > Overview. Your current account funds balance is shown alongside open invoices and payment terms.
#Spending funds
When you pay an invoice, account funds appears as a payment option whenever your balance is greater than zero. Pick Pay with account funds and the invoice is settled instantly. Partial application is fine — if your balance does not cover the full invoice, apply what you have and pay the remainder by card, ACH, wire, or check.
#What account funds does and does not cover
Account funds can be applied to any open invoice on your account — sales orders, storage and fulfillment, subscription. The mechanism is the same.
It does not auto-apply itself to invoices on its own. If you want every invoice to draw from your balance first, talk to your account team about whether that fits your billing setup, or use auto-pay against a card and keep funds for ad hoc deposits.
#Refunds
The funds you pre-load are still your money. If you want to drain the balance back, contact your account team and we will return it to the bank account or card it came from.
#What the terms say about account funds
Under the terms, account funds are non-refundable as a default and don't expire — they remain available on your account as long as it exists. We may also apply your available balance to offset any outstanding or overdue amounts before charging your card or bank account on file. The day-to-day practice above (return on request, instant application to invoices) sits inside that framework. For storage-related charges that flow through your balance, see Storage and inventory policy.