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.
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:
Country | Document type | Acceptable documents |
---|---|---|
Australia | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Austria | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Belgium | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Canada | Identity documents |
|
Denmark | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Germany | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Hong Kong SAR | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Ireland | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Italy | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Japan | Identity documents |
|
Company/entity documents |
|
|
Netherlands | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
New Zealand | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Singapore | Identity documents |
|
Company/entity documents |
|
|
Spain | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
Sweden | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
United Kingdom | Identity documents |
|
Address documents |
|
|
Company/entity documents |
|
|
United States | Identity documents |
|
Company/entity documents |
|