GuideLast checked 8 November 2026

Business accounts for Shopify stores

A Shopify store's biggest card bills are usually ads and apps. Incard pays cashback on Shopify itself, the email and analytics tools stores use, and the ad platforms, on a £0 plan.

By the editorial team. How we make money.

Why we pick Incard for Shopify stores

Shopify, Klaviyo, Omnisend, Triple Whale: 1% back on the £0 Free plan
DSers: 0.5% back on the £0 Free plan
Meta Ads, TikTok Ads, Google Ads, Pinterest Ads: 1% back on the £0 Free plan
Uncapped cashback, team cards and GBP, EUR and USD IBANs, also on Free

cashback a year on Incard's Free plan from the example spend below. Simple arithmetic, not a forecast.

£834

Apply for Incard on incard.co

We may earn a commission if you apply.

Direct-to-consumer brands on Shopify tend to spend on three things by card: paid social and search ads, the Shopify subscription and its apps, and email and analytics tools.

Shopify, Klaviyo, Omnisend, Triple Whale and DSers are on Incard's eligible software list, and Meta Ads, TikTok Ads, Google Ads and Pinterest Ads are on its advertising list. Both earn Incard's higher cashback rate.

Incard doesn't list a way to accept card payments from customers, so you'd keep Shopify Payments or another processor for sales and use Incard for spending. Check the restricted categories below if you sell age-restricted or regulated products.

Brands that earn cashback

**Table notes:** correct as of 8 November 2026, from Incard's Rewards Policy and pricing page. Plus rates are set per business. Only card payments where the merchant name matches the brand count.
Brand	Category	Free	Grow	Plus
Shopify	Recurring software	1%	1.25%	from 1.5%
Klaviyo	Recurring software	1%	1.25%	from 1.5%
Omnisend	Recurring software	1%	1.25%	from 1.5%
Triple Whale	Recurring software	1%	1.25%	from 1.5%
DSers	Everything else	0.5%	1%	from 1.5%
Meta Ads	Advertising	1%	1.25%	from 1.5%
TikTok Ads	Advertising	1%	1.25%	from 1.5%
Google Ads	Advertising	1%	1.25%	from 1.5%
Pinterest Ads	Advertising	1%	1.25%	from 1.5%

A worked example

A month of eligible card spend of £6,000 advertising, £800 recurring software, £300 everything else:

**Table notes:** simple arithmetic at Incard's published rates, not a forecast. Plus uses its 1.5% floor; yearly billing on Grow and Plus costs less.
Plan	Monthly fee	Cashback a month	Cashback less fee
Free	£0	£70	£70
Grow	£49	£88	£39
Plus	from £199	£107	-£92

Try your own figures in the cashback calculator.

Check these before you apply

Incard doesn't accept businesses in these industries, which are on its restricted list:

Tobacco (including e-cigarettes) and alcohol
Cannabis products and derivatives (THC, CBD, hemp)
Sexual or adult services and products
Medical devices, drugs and drug-related products and services

When Incard isn't the answer

Incard isn't the right account if

Your business is registered outside the UK and Switzerland. EEA onboarding is paused until an expected restart in 2027
You're a charity, cooperative, foundation, trust or public body, or work in one of Incard's restricted industries

Our pick for card spend

Incard: 1% cashback on ads, software and travel, on a £0 plan

Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.

E-money · safeguarded, no FSCS

Work out your cashback Check eligibility

Apply for Incard on incard.co

We may earn a commission if you apply.

a month on the Free plan, with team cards: £0
cashback on ads, software and travel; 0.5% on other eligible spend: 1%
IBANs in three currencies: GBP, EUR, USD

More: all guides, comparisons, how Incard cashback works.

Sources

All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.