Shopify Payments requirements

Shopify Payments is available only to stores in certain countries and regions. With Shopify Payments you're automatically set up to accept all major payment methods as soon as you create your Shopify store.

Supported countries and regions

Use the following list to find out if Shopify Payments is available in the country where your business operates:

• Australia
• Austria
• Belgium
• Canada
• Denmark
• Germany
• Hong Kong SAR
• Ireland
• Italy
• Japan
• Netherlands
• New Zealand
• Singapore
• Spain
• Sweden
• United Kingdom
• United States Shopify Payments is not available to US territories except Puerto Rico.

If the country where your business operates is not supported by Shopify Payments, then review the list of other payment gateways that Shopify supports.

Prohibited businesses

Some types of businesses and services are not permitted to use Shopify Payments. To see whether you can use Shopify Payments, check the list of prohibited business types for the country where your business operates:

• Australia
• Austria
• Canada
• Denmark
• Germany
• Hong Kong SAR
• Ireland
• Italy
• Japan
• The Netherlands
• New Zealand
• Singapore
• Spain
• Sweden
• United Kingdom
• United States

More details can be found in the Shopify Payments Terms of Service (TOS) and in the Shopify Payments FAQ.

If the type of business you run is not supported by Shopify Payments, then review the list of other payment gateways that Shopify supports.

Bank account requirements for Shopify Payments

Make sure that your bank account meets the following requirements before you connect it to Shopify Payments:

• The account is a full checking account, or a current account in the UK and Ireland.
• The account uses the payout currency of your region.
• The account can accept electronic bank transfers.

Note

Savings accounts, flex-currency accounts, virtual accounts, and money-transferring services that mimic bank accounts are not supported by Shopify Payments.

Each region also has local requirements that the bank account must adhere to:

• Australia - The bank account must be with a physical bank in Australia, in AUD currency, and eligible for BECS transfers.
• Austria - The bank account must be in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with the following letters: AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK.
• Belgium - The bank account must be a standard checking bank account in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK. Other types of bank accounts, and accounts with virtual providers are supported, but might result in increased payout failures.
• Canada - If your payout currency is CAD, then the bank account must be with a physical bank in Canada, in CAD currency, and eligible for ACH transfers.
  If your payout currency is USD, then the bank account must be with a physical bank in Canada or the US, in USD currency, and eligible for ACH transfers.
• Denmark - If your payout currency is EUR, then the bank account must be in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with the following letters: AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK. If your payout currency is DKK, then the bank account must be in DKK currency, be eligible for SEPA transfers, and have an IBAN that starts with DK.
• Germany - The bank account must be in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with the following letters: AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK.
• Hong Kong SAR - The bank account must be with a physical bank in Hong Kong SAR and in HKD currency.
• Ireland - The bank account must be with a physical bank in Ireland, in EUR currency, and eligible for FPS transfers.
• Italy - The bank account must be a business bank account in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK.
• Japan - The bank account must be with a physical bank in Japan, a Futsu account, and in JPY currency.
• The Netherlands - The bank account must be a business bank account in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK.
• New Zealand - The bank account must be with a physical bank in New Zealand, in NZD currency, and eligible for BECS transfers.
• Singapore - The bank account must be with a physical bank in Singapore, and in SGD currency.
• Spain - The bank account must be in EUR currency, be eligible for SEPA transfers and have an IBAN that starts with the following letters: AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK.
• Sweden - If your payout currency is EUR, then the bank account must be in EUR currency, be eligible for SEPA transfers, and have an IBAN that starts with the following letters: AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, GI, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, SI or SK. If your payout currency is SEK, then the bank account must be in SEK currency, be eligible for SEPA transfers, and have an IBAN that starts with SE.
• United Kingdom - The bank account must be with a physical bank in the United Kingdom, in GBP currency, and eligible for FPS transfers.
• United States - The bank account must be with a physical bank in the United States, in USD currency, and eligible for ACH transfers.

Most checking accounts can accept the electronic bank transfer types listed above. Checking accounts that are set up to accept only wire transfers don't work with Shopify Payments. To confirm that your account can accept the transfer type listed for your region, contact your bank.

Personal information requirements for Shopify Payments

In response to regulations in different countries, you're required to provide information about you and your business. The information is collected to help identify merchants using Shopify Payments, including the beneficial owners of a particular corporate entity. The purpose of collecting this information is to comply with regulatory requirements designed to prevent money laundering, terrorist financing, and other financial crimes.

As local rules and regulations evolve, Shopify and its partners might reach out to collect additional information about you and your business. These standard reviews can occur at anytime during the lifespan of your Shopify account.

The information that Shopify is required to collect differs from country to country, but typically includes documentation about the following:

• the individual creating the Shopify Payments account
• the business associated with the Shopify Payments account.
• the individuals who ultimately own or control the business, which includes the business owner or a senior executive with legal signing authority for the business

Documents for identity and home address verification

If your identity is unable to be verified using the information that you provided at the time of Shopify Payments sign-up, then you might be requested to provide additional documentation. To verify an individual on a Shopify Payments account, two separate documents are required:

• a document that serves as proof of identity
• a document that serves as proof of home address

You can't use the same document to serve as both proof of identity and proof of home address.

For more information, refer to the full list of accepted document types for each country.

Proof of identity document requirements:

Proof of identity documents require the following:

• Documents must be uploaded in full color. For example, black and white scans aren't accepted.
• Documents must be valid and not expired.
• Documents must be clear and large enough to read.
• Photocopies of identity documents aren't accepted.
• Complete documents must be uploaded. A complete document contains the following:
  • both the front and back of a driver’s license or identity card
  • the entire personal information page of a passport
• Documents may be uploaded in .png or .jpg format. Photos and color scans are acceptable.

Proof of home address document requirements:

Proof of home address documents require the following:

• Documents must be clear and large enough to read.
• Documents must be dated within the past six months.
• Documents must be complete. A complete document contains the following:
  • the full page of the document
  • the full name and address of the individual, which are clearly stated and legible
• Documents may be uploaded in .png, .jpg, or .pdf format.

Documents for business verification

If your business can't be verified using the information that you provided at the time of Shopify Payments sign-up, then additional documentation might be requested. The documents that you provide must include the business name, business address, and company registration number or VAT number.

For business verification, upload your official federal business registration document, if available, which includes your federal tax registration number.

For more information, refer to the full list of accepted document types for each country.

Business document requirements:

Business documents require the following:

• Documents must be clear and large enough to read.
• Documents must be valid and representative of up-to-date registration.
• Complete documents must be uploaded. A complete document contains the following:
  • the full business name, business address, and either VAT number OR company registration number of the incorporated entity are clearly stated and legible
  • all pages of a multiple-page document. Upload a PDF containing all the relevant pages
• Documents can be uploaded in .pdf format.

Uploading your verification documents

Because of the sensitive nature of personal information contained in the requested verification documents, only documents that are uploaded through the secure banners in your Shopify admin are accepted. Documents sent through email or chat are redacted for security and privacy reasons and are rendered unusable.

Document review process

Your identity, address, and proof of legal entity document uploads must be reviewed and matched successfully to the information on your Shopify Payments account before your business can be fully verified.

Reviews can take up to 3 business days to complete. During the review process, your payouts might be placed on hold until your information is verified, but usually your store remains open and customers can still buy your products. After your information is verified, any payout or processing holds applied to your account are removed automatically.

Accepted document types

The following table lists the acceptable document types for individuals and businesses in each country:

Accepted document types

Country	Document type	Acceptable documents
Australia	Identity documents	Passport Driver license: scans of front and back are required Identity card: scans of front and back are required Identity card for foreigners: scans of front and back are required Residence permit
	Address documents	Driver license: scans of front and back are required Photo card: scans of front and back are required Tasmanian Government Personal Information card: scans of front and back are required ImmiCard: scans of front and back are required Medicare document (government health insurance document) Centrelink document (Government pension document) Australian Taxation Office letter or assessment Council rates or land valuation notice
	Company/entity documents	Australian Business Number confirmation (Certificate of Registration) Australian Securities and Investments Commission (ASIC) Record of Registration (Certificate of Registration) Australian Business Register extract Certificate of Registration of Change of Name Australian Charities and Not-for-profits Commission Extract Consumer Affairs Association Extract
Austria	Identity documents	Passport Driver license: scans of front and back are required Identity card: scans of front and back are required Residence permit Identity card for foreigners: scans of front and back are required Alien's passport Passport for asylum seekers Temporary residence permit: scans of front and back are required
	Address documents	Residence registration Utility bill Bank statement Financial statements
	Company/entity documents	Commercial register extract VAT registration
Belgium	Identity documents	Passport Driver license: scans of front and back are required Photo card: scans of front and back are required
	Address documents	Certificate of residence Utility bill Bank statement Residence permit Mortgage statement Letter certifying registration at local town hall Pension statement
	Company/entity documents	VAT registration Commercial register extract Articles of Incorporation Copy of appendices published in the official Belgian register Financial statements
Canada	Identity documents	Passport Driver license: scans of front and back are required Certificate of Indian Status card Permanent resident card Identity card: scans of front and back are required Non-driver photo ID Photo card
Denmark	Identity documents	Passport Driver license: scans of front and back are required City of Copenhagen Identity card: scans of front and back are required Residence permit: scans of front and back are required Military identity card Police identity card
	Address documents	Utility bill Bank statement Mortgage statement Rental contract Health insurance card Tax assessment
	Company/entity documents	VAT registration Commercial register extract By-laws Registration certificate Financial statements
Germany	Identity documents	Passport Driver license: scans of front and back are required Identity card: scans of front and back are required Residence permit: scans of front and back are required
	Address documents	Proof of residence Landlord letter Utility bill Bank statement Mortgage statement Government-issued document
	Company/entity documents	VAT registration Trade registration Trade license Commercial register extract Financial statements
Hong Kong SAR	Identity documents	Passport Identity card: scans of front and back are required Certificate of Registered Particulars Certificate of Exemption Vietnamese refugee card
	Address documents	Identity card: scans of front and back are required Certificate of Registered Particulars Utility bill Bank statement Telephone or mobile phone bill Insurance company statement Government or judiciary issued document Tenancy agreement Contract for sale of property University bill or letter
	Company/entity documents	Commercial register extract Certificate of Incorporation Business registration certificate
Ireland	Identity documents	Passport Driver license: scans of front and back are required National Age card: scans of front and back are required
	Address documents	Driver license: scans of front and back are required Bank statement Utility bill Car insurance policy Home insurance policy Social insurance document Government-issued document Tax credit certificate (TCC) Statement of Liability from Revenue
	Company/entity documents	VAT registration Certificate of Registration Partnership agreement Certificate of Incorporation Articles of Association Companies Registration Office Commercial Register extract
Italy	Identity documents	Passport Driver’s license: scans of front and back are required Identity card: scans of front and back are required Boat license Weapons license Pension book
	Address documents	Identity card: scans of front and back are required Residence certificate Utility bill Bank statement
	Company/entity documents	VAT registration Company registration certificate Articles of incorporation By-laws-Memorandum Registers and lists of authorized entities Financial statements or equivalent documents
Japan	Identity documents	Passport Driver license: scans of front and back are required Residence card My Number card with photo Juki card with photo
	Company/entity documents	Touki Seal registration certificate
Netherlands	Identity documents	Passport Driver license: scans of front and back are required National ID: scans of front and back are required Resident permit ID Dutch aliens document
	Address documents	Utility bill Statement from a financial institution Government-issued letter Proof of home insurance
	Company/entity documents	VAT registration Company registration certificate By-laws memorandum
New Zealand	Identity documents	Passport Driver license: scans of front and back are required New Zealand emergency travel document New Zealand refugee travel document New Zealand certificate of identity
	Address documents	Passport Driver license: scans of front and back are required Utility bill Central Government Agency document Local council/government letter Signed rental tenancy agreement Electoral roll papers Insurance policy document Car registration notification/demand Financial statement
	Company/entity documents	Statement from a financial institution Government-issued letter VAT registration New Zealand Business Number Registration Extract New Zealand Companies Office Company Extract New Zealand Certificate of Incorporation New Zealand Certificate of Good Standing Memorandum of Association Financial statement
Singapore	Identity documents	Passport Driver license: scans of front and back are required ID card: scans of front and back are required National ID Singapore Work Permit or Pass Singapore Armed Forces card Singapore National Service Identity card
	Company/entity documents	Incorporation of Company Registration of Business Name Registration of Limited Liability Partnership Registration of Limited Partnership Registration of Foreign Company Certificate of Registration of Entity
Spain	Identity documents	Passport Driver license DNI National ID: scans of front and back are required Resident permit ID
	Address documents	Utility bill Bank statement or phone invoice Government-issued letter Residence certificate
	Company/entity documents	VAT registration NIF document Company registration certificate
Sweden	Identity documents	Passport Driver license National ID: scans of front and back are required Birth certificate Swedish Standards Institute (SIS) approved ID cards
	Address documents	National ID: scans of front and back are required Utility bill Statement from a financial institution Government-issued letter Residence permit card
	Company/entity documents	VAT registration Registration certificate Document issued by government agency showing organization identity number Articles of association Financial statements Notice by the Registration Office in the Official Gazette
United Kingdom	Identity documents	Passport Driver license Resident permit Citizen card Electoral ID Validate UK
	Address documents	Driver license Utility bill Statement from a financial institution Government-issued letter Solicitors letter Council or housing association documentation Benefits Agency documentation Electoral Register entry NHS Medical card GP letter of registration with the surgery
	Company/entity documents	VAT registration Certificate of Incorporation Companies House Document HM Revenue and Customs: VAT certificate HM Revenue and Customs: account statement Charity Commission Document OSCR Scottish Charity Regulator
United States	Identity documents	Passport Passport card Driver license State-issued ID card Resident permit ID / U.S. Green card Border crossing card NYC card U.S. visa card Birth certificate
	Company/entity documents	IRS Letter 147C IRS SS-4 confirmation letter