Merch has two related but different credit concepts. This page covers the fulfillment credit limit — a ceiling on how much in-flight (allocated but not yet invoiced) work your account can carry at any moment. For the open-balance credit limit (invoiced-but-unpaid ceiling), see Credit limits.
#What it is
A single dollar number set by your Merch sales rep. Your in-flight exposure is the sum of projected totals across orders that have been accepted but haven't reached an invoice yet. Your headroom is the limit minus that exposure — the headroom number is what tells you how much new gifting you can launch right now.
It's continuous capacity, not a periodic budget. It doesn't reset on a calendar. Exposure goes up as orders are accepted, and goes down naturally as the regular monthly invoice cycle moves them to invoiced.
#What it isn't
- Not a hard spend ceiling. You can spend any amount over time; you just can't have more than the limit in motion at once.
- Not tied to a calendar period.
- Not directly affected by past-due invoices, though a pattern of overdue invoices may cause your sales rep to decline a raise until those clear.
#Defaults
Brand-new accounts start small; accounts with established fulfillment history start higher. At migration, Merch sets the limit comfortably above your current in-flight exposure so you don't get capped on day one. Your sales rep adjusts it upward over time based on payment history and relationship.
#How exposure frees up
The natural rhythm is the monthly invoice cycle. When orders move to invoiced, exposure drops and any orders sitting on credit hold are automatically re-evaluated against the new headroom — they clear without manual intervention.
#Hitting the limit
New orders are still accepted (the recipient sees nothing wrong) but go on credit hold until headroom clears. Your options: wait for the next invoice cycle, pay outstanding invoices early to free exposure now, ask your sales rep for a higher limit, or override specific holds manually from Spend Controls. See Orders on credit hold for the full picture.
#Requesting a change
Talk to your Merch sales rep. They consider your monthly volume and trend, upcoming campaigns, outstanding invoice status, and length of relationship. You can't change the limit yourself from the portal.
#Payment terms
Separate from this limit. Your account is either on net terms (the invoice is due a set number of days after it's generated — Net 30 is common; yours may differ) or due immediately on receipt. Net terms don't affect the credit limit directly, but a pattern of overdue invoices may shrink it. See Payment terms.