Setting up Shopify Payments for POS

Shopify Payments is the simplest way to accept payments. It eliminates the hassle of setting up a third-party payment provider or merchant account and having to enter the credentials into Shopify. With Shopify Payments you're automatically set up to accept all major payment methods as soon as you create your Shopify store.

After you set up Shopify Payments, your customers can make credit card payments on your store. You can activate Shopify Payments from the Payment providers page in the Shopify settings. When you set up Shopify Payments, you need the following information:

  • your Employer Identification Number (EIN)
  • your banking information
  • the average price of your orders
  • the average shipping time of your orders

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.

Enable Shopify Payments in the POS app

If Shopify Payments has been set up for your store, then you can accept credit card payments in person. After you set up Shopify Payments you need to enable it in the Shopify POS app.

Steps:

  1. From Shopify POS, tap > Settings > Payment settings.
  2. In the Default Payment Types section, verify that the Credit/debit option shows Accepted.

Accept card payments without a signature

You can accept card payments without a customer's signature if you meet the following requirements:

  • Your store is located in the United States.
  • You're using Shopify Payments.
  • You're using an EMV card reader.

This option is turned off by default, but you can enable it from the Shopify POS Payment settings screen.

Steps:

  1. From Shopify POS, tap > Settings > Payment settings.
  2. In the Default Payment Types section, tap Credit/debit.
  3. Tap the toggle to enable or disable Skip customer signatures when possible.

Supported countries and regions

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

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

Country and currency compliance for selling in person

When you process a POS transaction in person using Shopify Payments and a Shopify card reader, you must follow the payment rules for the country you're processing the transaction in. To accept in-person POS payments in multiple countries, you must create a separate Shopify store and Shopify Payments account for each additional country.

Requirements

Shopify POS helps your business adhere to country requirements as long as your business meets the following requirements:

  • your Shopify store country must match the country of your physical store's location
  • your Shopify account currency must match the currency of your physical store's location

To accept payments with a Shopify card reader, your Shopify account and Shopify Payments account must have the same currency, location, and country settings.

Set up a new Shopify store to accept POS payments in a different country

You can accept in-person POS payments using Shopify Payments and a Shopify card reader in only one country per Shopify account. You don't need to set up additional stores for international locations where you don't accept in-person POS payments, such as locations for warehousing or inventory management. Accepting payments online from other countries also doesn't require different Shopify accounts.

For example, Jane's retail store is in the United States and she has a warehouse to store inventory in Canada. Jane doesn't need to create a new store for her warehouse in Canada because she doesn't accept in-person payments in Canada. If Jane wants to start selling in-person using Shopify POS in the United Kingdom, then Jane needs to create a new Shopify store that is based in the UK selling in GBP.

Steps:

  1. Create a new store, registered in the country where you want to accept in-person POS payments and with the appropriate currency.
  2. Set up the new store. You can export your product information from your original store using CSV files.
  3. Create a new Shopify Payments account, registered in the country where you want to accept in-person POS payments and with the appropriate currency.

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.

Edit bank account information

If you change banks or if your bank account details change, then you can update the information in your Shopify Payments settings.

You can't use prepaid bank cards as bank account credentials to receive payouts from Shopify Payments.

Steps:

  1. From your Shopify admin, go to Settings > Payment providers.
  2. In the Shopify Payments section, click Manage.
  3. Under Payout bank account in the Payout details section, click Change bank account.
  4. Enter your bank account information, then click Save.

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:

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.

Learn more

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