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VistaPrint Pro Credit Policy

Last revision: May 2026

Purpose

The purpose of this credit policy is to establish guidelines for extending credit to customers, ensuring the timely collection of receivables, and minimizing credit risk.

Credit Approval Process

  • All requests for credit must be submitted through the designated credit application form. The credit form will be provided by Vista a Corporate Solutions sales representative.

  • The credit department will evaluate each application based on but not limited to the following criteria:

    • Credit history: A history of timely payments and responsible credit usage.
    • Suggested credit: The suggested credit limit by our credit rating agency must be at least 20% higher than the requested credit from the customer.

  • Approval or rejection of credit requests will be communicated to the customer within 24 business hours of receiving the completed request.

  • If credit is denied, customers may reapply after a waiting period of 6 months.

Minimum Spend Requirement

  • Customers seeking credit must meet a minimum spend requirement to be considered for credit terms. Spend requirements by market and channel are as follows:
Market Channel Spend Requirement
North America VistaPrint Pro $5K USD/CAD annual spend
North America Custom Quote Desk $2K USD/CAD order value
Europe VistaPrint Pro $3K EUR/GBP annual spend (France), $1K EUR/GBP annual spend (Germany)
Europe Custom Quote Desk $500 EUR/GBP order value
Australia & New Zealand VistaPrint Pro $5K AUD/NZD annual spend
Australia & New Zealand Custom Quote Desk $1K AUD/NZD order value (non VistaPrint Pro customer), $500 AUD/NZD order value (VistaPrint Pro customer)
  • Customers failing to meet the minimum spend requirement will be required to make purchases on a prepayment basis.
  • Minimum spend requirements will be reviewed at least annually.

Credit Limits

  • Credit limits will be established for each customer based on their creditworthiness and payment history.
  • Credit limits will be limited to no more than 2x the customer's historical (if existing customer)/estimated annual spend (VistaPrint Pro) or estimated order value (Custom Quote Desk).
  • No individual customer will be extended credit in excess of $30,000 without approval of the Accounts Receivable Team Manager and $50,000 without approval by the Director, Accounting & Shar
  • For new customers with an initial order and an approved credit limit exceeding $50,000, a 15% prepayment is mandatory on the first order. The Director of Accounting & Shared Service must approve any exceptions to this requirement
  • If a customer surpasses their assigned credit limit, further credit-based transactions will be restricted. Access to credit purchases will only be restored once all overdue invoices, along with any necessary current invoices, are paid in full to bring the account balance back within the established credit threshold and allow for additional transactions.

Know Your Customer (KYC)

  • For business customer credit requests exceeding $25,000, the following documents and verification steps are required in addition to the standard client onboarding process:
    • Copy of Registration Certificate (trade register and/or tax certificate)
    • Up-to-date bank confirmation letter or bank extract (including issuance date, bank name, account holder name, and bank account details)
    • Client verification via phone or email by the Accounts Receivable team to confirm the authenticity of the client relationship and order.

Terms of Payment

  • Standard payment terms are Net 30 days.
  • Payments must be made in the currency the invoice is issued in and submitted to the designated payment address.
  • Remittance advice, including relevant invoice numbers or references, must accompany all payments.
    • If paying by check, please include the remittance advice with the check.
    • If paying by ACH or wire, please email a copy of the remittance advice to vcscreditmanagement@vista.com.
  • Payments received without remittance advice will be applied to the oldest outstanding invoices.
  • In the event a customer’s ProShop needs to be closed; all outstanding invoices are due immediately.

Monitoring and Review

  • The Accounts Receivable Team will regularly review customer accounts to ensure compliance with credit terms.
  • Delinquent accounts will be promptly addressed through collection efforts, including reminders, phone calls, and other escalation if necessary.
  • Customers who have two consecutive invoices aged past 90 days or one invoice aged past 120 days will lose the privilege to pay via invoicing until outstanding balances are settled and satisfactory pre-payment behavior is demonstrated for at least 6 months.
  • Exceptional consideration for earlier reinstatement may be granted if there is reasonable proof that the delay in settling aged invoices was beyond customers control. Any such earlier reinstatement must be approved by the Accounts Receivable Team Manager or the Director Accounting & Shared Service.
  • Credit limits will be assessed annually to ensure they align with customer creditworthiness, payment history, and annual spend amounts. Adjustments to credit limits may be made based on the results of this assessment.

Dispute Resolution

  • Any disputes regarding invoices or payments should be promptly communicated to the Vista Accounts Receivable Team for resolution.
  • Pending resolution of a dispute, customers are still expected to adhere to payment terms for undisputed amounts.

Credit Reporting

Our company reserves the right to report delinquent accounts to credit bureaus or engage third-party collection agencies if necessary.