Bank account and personal information requirements for Shopify Payments in Germany

Before using Shopify Payments in Germany, you need to understand the requirements that are in place to comply with regulations and to prevent financial crimes. This article explains why personal information is collected, the accepted types of documentation, and provides guidance for ensuring that your documentation meets the necessary criteria.

Requirements for using Shopify Payments in Germany

Before you use Shopify Payments in Germany, ensure that you meet the following requirements:

Eligible business types: Certain types of businesses and services aren't permitted to use Shopify Payments. To determine whether your business is eligible, refer to the list of prohibited business types for Germany in the Shopify Payments Terms of Service.
Bank account requirements: Your bank account must meet the following requirements before you can connect it to Shopify Payments:
- The bank account must be in EUR currency.
- The bank account must be eligible for Single Euro Payments Area (SEPA) transfers.
- The bank account must have an International Bank Account Number (IBAN) that starts with any of the following country codes: AT, BE, BG, CH, CY, DE, DK, EE, ES, FI, FR, GB, GI, GR, HR, HU, IE, IT, LT, LU, LV, MT, NL, NO, PL, PT, RO, SE, or SI.

Unsupported bank account types

Certain bank account types aren't compatible with Shopify Payments. The following account types aren't supported:

Checking accounts that accept only wire transfers: These accounts don't work with Shopify Payments.
Savings accounts: Savings accounts can't be used for Shopify Payments payouts.
Flex-currency accounts: Accounts that support multiple currencies simultaneously aren't supported.
Money transfer services: Services that mimic bank accounts, such as some fintech platforms, can't be used with Shopify Payments.

Although non-Shopify virtual accounts are supported, you can experience more payout failures with these accounts.

Untuk mengesahkan sama ada akaun anda boleh menerima jenis pemindahan yang disenaraikan untuk rantau anda, hubungi bank anda.

Purpose of collecting information

Shopify dan rakan kongsi perbankannya dikehendaki mengumpulkan dan mengesahkan maklumat tentang anda dan perniagaan anda untuk mematuhi peraturan di Jerman yang direka bentuk untuk mencegah jenayah kewangan. Memandangkan peraturan dan undang-undang tempatan berkembang, anda mungkin dihubungi oleh Shopify dan rakan kongsi perbankannya untuk memberikan maklumat tambahan di sepanjang tempoh hayat akaun Shopify Payments anda.

The information that's collected is used to confirm the identity of the business, the identities of individuals linked to the business, and the nature of the relationship between the two.

Shopify tidak pernah mengeposkan dokumentasi fizikal kepada anda. Apa-apa dokumen atau komunikasi penting akan di-e-melkan atau disediakan secara digital kepada pemilik kedai dalam halaman Tetapan > Pengguna bagi pentadbir Shopify anda.

Review Shopify's Privacy Policy to learn about how your information is kept confidential and safe.

Required personal and business information for activating Shopify Payments in Germany

If you've registered with the Chamber of Commerce and have an Handelsregister Abteilung B (HRB) or Handelsregister Abteilung A (HRA) number, then you can select one of the incorporated business types available: private corporation, registered partnership, or registered non-profit.

If you've a registered business, but don't have an HRB or HRA number, then select your business type based on the following guidance:

General partnerships without HRB/HRA numbers can select Unincorporated partnership.
Non-profit organizations and charities who don't have HRB or HRA numbers can select Unregistered non-profit.

If none of the above options apply to your business, then you should select Individual / Sole Proprietor as your business type.

If you aren't sure what business type to pick, then contact Shopify Support for help with selecting the right one.

Individuals / Sole Proprietors

Individuals are single owner businesses that haven't registered with the government and are doing business privately. Sole proprietors are single owner businesses who are registered with the government under their personal information. Both are businesses that are owned and controlled by one individual living in Germany. This includes freelancers and self-employed small business operators.

These business types are treated the same way and must provide the same information. Individuals and sole proprietors must provide:

Legal first and last name: Your full legal name as it appears on government-issued documentation.
Tarikh lahir: Tarikh lahir anda.
Email address: A valid and active email address.
Phone number: A valid and active phone number.
Residential address in Germany: Your home address, matching your documentation.

Jika maklumat anda tidak dapat disahkan secara automatik, maka anda akan menerima permintaan untuk mengesahkan identiti anda. Jika apa-apa maklumat anda seperti nama, tarikh lahir atau alamat rumah anda tidak betul, maka anda patut mengemas kini maklumat akaun anda.

Jika maklumat itu betul dan anda masih menerima permintaan untuk pengesahan, maka anda boleh menyelesaikan permintaan dengan melengkapkan salah satu daripada tugas yang berikut:

Sahkan identiti anda dengan mengambil swafoto berserta ID bergambar yang sah.
Muat naik dokumen bukti identiti dan bukti alamat yang berasingan dalam pentadbir Shopify anda.
- Maklumat pada dokumen anda mesti sepadan dengan tepat seperti yang anda masukkan pada akaun anda. Kemaskinikan maklumat akaun anda agar sepadan dengan dokumen anda jika perlu.

Private Corporations (GmbH, UG)

A private corporation is a business whose equity is divided into shares, owned by shareholders. A corporation is considered its own legal entity, separate from the people who run it. They typically also have a board of directors.

Private corporations must assign either a beneficial owner or an executive with decision making power as their account representative. The account representative must provide the following information:

Legal first and last name: Your full legal name as it appears on government-issued documentation.
Tarikh lahir: Tarikh lahir anda.
Email address: A valid and active email address.
Phone number: A valid and active phone number.
Alamat kediaman: Alamat rumah anda, sepadan dengan dokumentasi anda.
Jawatan: Jawatan yang anda pegang dalam perniagaan.
Equity (if applicable): If applicable, the equity percentage you own of the business.

Jika maklumat itu betul dan anda masih menerima permintaan untuk pengesahan, maka anda boleh menyelesaikan permintaan dengan melengkapkan salah satu daripada tugas yang berikut:

Sahkan identiti anda dengan mengambil swafoto berserta ID bergambar yang sah.
Muat naik dokumen bukti identiti dan bukti alamat yang berasingan dalam pentadbir Shopify anda.
- Maklumat pada dokumen anda mesti sepadan dengan tepat seperti yang anda masukkan pada akaun anda. Kemaskinikan maklumat akaun anda agar sepadan dengan dokumen anda jika perlu.

Private corporations must also provide the following details about their business:

Registered name: The legal business name as shown in the business registry.
HRB (Registernummer): The business's HRB number as shown in the business registry.
Register court (Registergericht): The court in Germany where your business is registered.
VAT number (if applicable): Your VAT registration number, if applicable.
Business phone number: An active contact phone number for the business.
Business address: The official registered address of the business as shown in the business registry.

Shopify's banking partners verify your information by comparing it against government registries in Germany. Pay careful attention to case, punctuation, and symbols.

If the information you provide about the business can't be verified, then you might need to provide a business verification document. When providing this document, ensure that the registered name, HRB, and business address listed in your account matches exactly with the information on the document. Update the information in your account to match the document if necessary.

Anda juga mesti menyenaraikan mana-mana orang lain yang merupakan pemilik manfaat perniagaan. Pastikan anda memasukkan nama, tarikh lahir dan alamat rumah mereka dengan tepat seperti yang ditunjukkan pada dokumen kerajaan mereka. Jika identiti mereka tidak dapat disahkan secara automatik, maka mereka mungkin perlu memberikan ID bergambar atau bukti alamat.

Pemilik yang anda berikan mesti sepadan dengan pemilik yang disenaraikan dalam pendaftaran perniagaan kerajaan anda. Jika ketidaksepadanan dikesan, anda akan diminta untuk melengkapkan proses pengakusaksian dengan mengklik butang "tandatangan" atau memberikan dokumen bukti pemilikan. Menandatangani pengakusaksian ini pantas dan mudah tetapi jika anda lebih suka menyerahkan dokumen, pastikan nama pemilik yang disenaraikan pada akaun anda sepadan dengan tepat seperti pemilik yang disenaraikan pada dokumen anda. Kemaskinikan maklumat pada akaun anda agar sepadan dengan dokumen anda, jika perlu. Jika perniagaan anda dimiliki oleh syarikat pegangan (sama ada sepenuhnya atau sebahagiannya), tandatangani pengakusaksian untuk melengkapkan pengesahan.

Jika perniagaan anda tiada pemilik, anda sebaliknya akan diminta untuk menandatangani pengakusaksian, atau memberikan dokumen yang mengesahkan pengarah anda. Jika anda lebih suka menyerahkan dokumen, pastikan nama pengarah yang disenaraikan dalam akaun anda sepadan dengan tepat seperti pengarah yang disenaraikan pada dokumen anda. Kemaskinikan maklumat pada akaun anda agar sepadan dengan dokumen anda, jika perlu.

Registered Partnerships (OHG, KG, GmbH & Co. KG, Part G)

A registered partnership is a business owned by at least two partners, who have registered for commercial activity and obtained an HRA. Registered partnerships have equity, and the partnership is its own entity, separate from the owners.

Registered partnerships need to designate an owner or partner as the account representative of their Shopify Payments account. The account representative must provide the following information:

Legal first and last name: Your full legal name as it appears on government-issued documentation.
Tarikh lahir: Tarikh lahir anda.
Email address: A valid and active email address.
Phone number: A valid and active phone number.
Alamat kediaman: Alamat rumah anda, sepadan dengan dokumentasi anda.
Jawatan: Jawatan yang anda pegang dalam perniagaan.
Equity (if applicable): If applicable, the equity percentage you own of the business.

Jika maklumat itu betul dan anda masih menerima permintaan untuk pengesahan, maka anda boleh menyelesaikan permintaan dengan melengkapkan salah satu daripada tugas yang berikut:

Sahkan identiti anda dengan mengambil swafoto berserta ID bergambar yang sah.
Muat naik dokumen bukti identiti dan bukti alamat yang berasingan dalam pentadbir Shopify anda.
- Maklumat pada dokumen anda mesti sepadan dengan tepat seperti yang anda masukkan pada akaun anda. Kemaskinikan maklumat akaun anda agar sepadan dengan dokumen anda jika perlu.

Registered partnerships must also provide the following details about their business:

Registered name: The legal business name as shown in the business registry.
HRA (Registernummer): The business's HRA number as shown in the business registry.
Register court (Registergericht): The court in Germany where your business is registered.
VAT number (if applicable): Your VAT registration number, if applicable.
Business phone number: An active contact phone number for the business.
Business address: The official registered address of the business as shown in the business registry.

Shopify's banking partners verify your information by comparing it against government registries in Germany. Pay careful attention to case, punctuation, and symbols.

If the information you provide about the business can't be verified, then you might need to provide a business verification document. When providing this document, ensure that the registered name, HRA, and business address listed in your account matches exactly with the information on the document. Update the information in your account to match the document if necessary.

Unincorporated Partnerships (GbR)

An unincorporated partnership is a business owned by at least two partners who haven't registered for an HRA, but who have a partnership agreement. The owners are considered the legal entity in this case, and the business is not a separate entity. A common form of unincorporated partnership is Gesellschaft bürgerlichen Rechts (GbR).

Unincorporated partnerships need to designate an owner as the account representative of their Shopify Payments account. The account representative must provide the following information:

Legal first and last name: Your full legal name as it appears on government-issued documentation.
Tarikh lahir: Tarikh lahir anda.
Email address: A valid and active email address.
Phone number: A valid and active phone number.
Alamat kediaman: Alamat rumah anda, sepadan dengan dokumentasi anda.
Jawatan: Jawatan yang anda pegang dalam perniagaan.
Equity (if applicable): If applicable, the equity percentage you own of the business.

Jika maklumat itu betul dan anda masih menerima permintaan untuk pengesahan, maka anda boleh menyelesaikan permintaan dengan melengkapkan salah satu daripada tugas yang berikut:

Sahkan identiti anda dengan mengambil swafoto berserta ID bergambar yang sah.
Muat naik dokumen bukti identiti dan bukti alamat yang berasingan dalam pentadbir Shopify anda.
- Maklumat pada dokumen anda mesti sepadan dengan tepat seperti yang anda masukkan pada akaun anda. Kemaskinikan maklumat akaun anda agar sepadan dengan dokumen anda jika perlu.

Unincorporated partnerships must also provide the following details about their business:

Registered name: The legal business name as shown in the business registry.
VAT number (if applicable): Your VAT registration number, if applicable.
Business phone number: An active contact phone number for the business.
Business address: The official registered address of the business as shown in the business registry.

Shopify's banking partners verify your information by comparing it against government registries in Germany. Pay careful attention to case, punctuation, and symbols.

If the information you provide about the business can't be verified, then you might need to provide a business verification document. When providing this document, ensure that the registered name and business address listed in your account matches exactly with the information on the document. Update the information in your account to match the document if necessary.

Registered Non-Profits (e.V., e.G., and others)

A non-profit organization (NPO) is an entity that's established for purposes other than generating profit for its shareholders. Its primary mission is to serve a public or community benefit. Registered non-profits have registered for commercial purposes and obtained an HRB or HRA.

Registered non-profits must assign either a director or an executive with decision making power as their account representative. The account representative must provide the following information:

Legal first and last name: Your full legal name as it appears on government-issued documentation.
Tarikh lahir: Tarikh lahir anda.
Email address: A valid and active email address.
Phone number: A valid and active phone number.
Alamat kediaman: Alamat rumah anda, sepadan dengan dokumentasi anda.
Jawatan: Jawatan yang anda pegang dalam perniagaan.
Equity (if applicable): If applicable, the equity percentage you own of the business.

Jika maklumat itu betul dan anda masih menerima permintaan untuk pengesahan, maka anda boleh menyelesaikan permintaan dengan melengkapkan salah satu daripada tugas yang berikut:

Sahkan identiti anda dengan mengambil swafoto berserta ID bergambar yang sah.
Muat naik dokumen bukti identiti dan bukti alamat yang berasingan dalam pentadbir Shopify anda.
- Maklumat pada dokumen anda mesti sepadan dengan tepat seperti yang anda masukkan pada akaun anda. Kemaskinikan maklumat akaun anda agar sepadan dengan dokumen anda jika perlu.

Registered non-profits must also provide the following details about their business:

Registered name: The legal business name as shown in the business registry.
HRA/HRB (Registernummer): The business's HRA or HRB number as shown in the business registry.
Register court (Registergericht): The court in Germany where your business is registered.
VAT number (if applicable): Your VAT registration number, if applicable.
Business phone number: An active contact phone number for the business.
Business address: The official registered address of the business as shown in the business registry.

Shopify's banking partners verify your information by comparing it against government registries in Germany. Pay careful attention to case, punctuation, and symbols.

If the information you provide about the business can't be verified, then you might need to provide a business verification document. When providing this document, ensure that the registered name, HRB or HRA number, and business address listed in your account matches exactly with the information on the document. Update the information in your account to match the document if necessary.

Anda juga mesti menyenaraikan mana-mana orang lain yang berada dalam lembaga pengarah anda atau pembuat keputusan utama. Pastikan anda memasukkan nama, tarikh lahir dan alamat rumah mereka dengan tepat seperti yang ditunjukkan pada dokumen kerajaan mereka. Jika identiti mereka tidak dapat disahkan secara automatik, maka mereka mungkin perlu memberikan ID bergambar atau bukti alamat.

Pengarah yang anda berikan mesti sepadan dengan pengarah yang disenaraikan dalam pendaftaran perniagaan kerajaan anda. Jika ketidaksepadanan dikesan, anda akan diminta untuk melengkapkan proses pengakusaksian dengan mengklik butang "tandatangan" atau memberikan dokumen bukti jawatan pengarah. Menandatangani pengakusaksian ini pantas dan mudah tetapi jika anda lebih suka menyerahkan dokumen, pastikan nama pengarah yang disenaraikan pada akaun anda sepadan dengan tepat seperti pengarah yang disenaraikan pada dokumen anda. Kemaskinikan maklumat pada akaun anda agar sepadan dengan dokumen anda, jika perlu.

Unregistered Non-Profits (n.e.V)

A non-profit organization (NPO) is an entity that's established for purposes other than generating profit for its shareholders. Its primary mission is to serve a public or community benefit. An unregistered non-profit doesn't have an HRB or HRA number, but has registered with local courts and has non-profit status.

Unregistered non-profits must assign a key decision maker or organizer as their account representative and mark that person as an executive. The account representative must provide the following information:

Legal first and last name: Your full legal name as it appears on government-issued documentation.
Tarikh lahir: Tarikh lahir anda.
Email address: A valid and active email address.
Phone number: A valid and active phone number.
Alamat kediaman: Alamat rumah anda, sepadan dengan dokumentasi anda.
Jawatan: Jawatan yang anda pegang dalam perniagaan.
Equity (if applicable): If applicable, the equity percentage you own of the business.

Jika maklumat itu betul dan anda masih menerima permintaan untuk pengesahan, maka anda boleh menyelesaikan permintaan dengan melengkapkan salah satu daripada tugas yang berikut:

Sahkan identiti anda dengan mengambil swafoto berserta ID bergambar yang sah.
Muat naik dokumen bukti identiti dan bukti alamat yang berasingan dalam pentadbir Shopify anda.
- Maklumat pada dokumen anda mesti sepadan dengan tepat seperti yang anda masukkan pada akaun anda. Kemaskinikan maklumat akaun anda agar sepadan dengan dokumen anda jika perlu.

Unregistered non-profits must also provide the following details about their business:

Registered name: The legal business name as shown in the business registry.
VAT number (if applicable): Your VAT registration number, if applicable.
Business phone number: An active contact phone number for the business.
Business address: The official registered address of the business as shown in the business registry.

Shopify's banking partners verify your information by comparing it against government registries in Germany. Pay careful attention to case, punctuation, and symbols.

If the information you provide about the business can't be verified, then you might need to provide a business verification document. When providing this document, ensure that the registered name and business address listed in your account matches exactly with the information on the document. Update the information in your account to match the document if necessary.

Accepted documents

This section helps you understand the types of documents you can use to verify your account. The following sections cover identity documents, address documents, and business verification documents, including specific requirements and formatting guidelines for each type.

Identity documents

The name and date of birth on your Shopify Payments account must be updated to match the information shown in the identity document you're providing. The documents must be valid, and must not be expired. The following documents are accepted as proof of identity:

Passport
Lesen Memandu (gambar bahagian hadapan dan belakang diperlukan).
Identity card (photographs of the front and back are required).
Residence permit (photographs of the front and back are required).

Address documents

The name and address on your Shopify Payments account must be updated to match the information displayed in the address documents that you provide. All documents must display an issuance date within the past 6 months, unless stated otherwise. The following documents are accepted as proof of address:

Utility Bill (dated within the last 6 months)
Bank account statement (dated within the last 6 months)
Mortgage statement (dated within the last 6 months)
Government issued documents (dated within the last 12 months)
Anmeldebestätigung / Meldebescheinigung (proof of residence)

Business documents

The following documents are accepted for business verification. They must clearly display the legal entity name, HRB or HRA number, and address of your business. The details on your Shopify Payments account must be updated to match the details displayed in the documents that you provide.

Incorporated businesses can provide the following documents:

Gewerbeanmeldung (trade registration)
Gewerbeschein (trade license)
Handelsregisterauszug (commercial register extract)
Freistellungsbescheid (tax exemption)
Vereinsregisterauszug (cabutan daftar persatuan)
Jahresabschluss (financial statements)
USt-Registrierung (VAT Registration)

Unincorporated businesses can provide the following documents:

Gewerbeanmeldung (trade registration)
USt-Registrierung (VAT Registration)

Dokumen pemilikan

Dokumen berikut diterima sebagai bukti pemilikan atau jawatan pengarah, dengan syarat dokumen tersebut memaparkan nama entiti sah perniagaan anda dan nama lengkap pemilik atau pengarah perniagaan anda.

Dokumen yang boleh digunakan untuk mengesahkan sama ada pemilik atau pengarah:

Transparenzregister (daftar Pemilik Manfaat Utama)

Dokumen yang hanya boleh mengesahkan pengarah:

Jahresbericht (Laporan tahunan)
Gründungsurkunde (Dokumen pendaftaran)
Amtsbescheinigung (Sijil penyandangan)
Aktionärsregister (Daftar pemegang saham)
Protokoll der Vorstandssitzung (Rekod keputusan mesyuarat lembaga pengarah)
Handelsregisterauszug (Cabutan daftar komersial)
Gesellschaftsvertrag / Satzung (Tataurusan pertubuhan)

Setiap pemilik manfaat yang disenaraikan dalam dokumentasi anda mesti turut disenaraikan dalam akaun Shopify Payments anda dan diperuntukkan peranan "Pemilik". Pemilik manfaat ditakrifkan sebagai seseorang yang memiliki 25% atau lebih daripada ekuiti perniagaan. Kemaskinikan maklumat dalam akaun anda agar sepadan dengan dokumen jika perlu.

Jika perniagaan anda tidak mempunyai sebarang pemilik manfaat, anda sebaliknya akan dikehendaki untuk mengesahkan pengarah anda. Dalam kes ini, senarai dokumen yang sama di atas layak untuk digunakan. Setiap pengarah yang disenaraikan dalam dokumentasi anda mesti turut disenaraikan dalam akaun Shopify Payments anda dan diperuntukkan peranan "Pengarah". Kemaskinikan maklumat dalam akaun anda agar sepadan dengan dokumen jika perlu.

Jika perniagaan anda dimiliki oleh syarikat pegangan, sila lengkapkan proses pengakusaksian digital sebaliknya dengan menekan butang "tandatangan".

Ensuring documentation compliance

Apabila memberikan dokumen anda, pastikan dokumen tersebut memenuhi kriteria yang diperlukan. Semak garis panduan berikut untuk memastikan pematuhan:

Ketepatan: Pastikan maklumat pada dokumen anda sepadan dengan maklumat yang telah anda masukkan dalam akaun Shopify Payments anda. Kemaskinikan akaun anda supaya sepadan dengan dokumen anda, jika perlu.
Kejelasan dan kebolehbacaan: Pastikan dokumen anda jelas dan cukup besar untuk dibaca. Pastikan keseluruhan dokumen kelihatan dalam gambar.
Kelengkapan: Pastikan semua butiran yang diperlukan kelihatan pada dokumen anda. Semak jenis dokumen yang boleh diterima yang disenaraikan pada halaman ini untuk memahami butiran yang mesti disertakan pada dokumen.
Original documentation: Ambil gambar asal dokumen anda menggunakan kamera. Jangan fotostat, imbas atau ambil tangkapan skrin dokumen anda. Jangan tampal gambar dokumen ke dalam dokumen lain. Jangan ambil gambar skrin komputer atau bahan cetakan.
- If your document was issued to you digitally, then provide the PDF file with all pages as it was originally given to you, with no alterations.
Kesahan: Pastikan ID bergambar belum tamat tempoh dan bukti alamat yang dikeluarkan adalah yang terkini. Jika memberikan bukti pendaftaran perniagaan, maka perniagaan anda seharusnya masih didaftarkan secara aktif dan mempunyai rekod yang baik.

Troubleshooting common issues

Before contacting Shopify Support, review these common onboarding issues and their solutions.

My payment is showing as pending.

Check the order's timeline to confirm whether the payment was successful. If the status shows as failed, then you'll need to create a new draft order and send it to your customer to capture the funds.

My payouts are failing with a virtual bank account.

Virtual bank accounts such as Revolut and Payoneer are accepted for payouts, but have a higher payout failure rate than traditional bank accounts. If your payouts are failing, then consider using a standard bank account instead.

I can't dispute an iDEAL | Wero transaction.

Customers can't dispute iDEAL | Wero payments with their bank. For full details on how iDEAL | Wero disputes and complaints work, and your responsibilities as a merchant, refer to Customer disputes and complaints on the iDEAL | Wero page.

I don't have an HRB/HRA number, and I'm not an individual or sole proprietorship.

Jika anda tiada nombor HRB/HRA, maka anda hanya boleh memilih Perkongsian yang tidak diperbadankan atau Bukan untung yang tidak berdaftar sebagai jenis perniagaan anda. Anda masih mesti memberikan dokumentasi yang menunjukkan perniagaan anda didaftarkan sebagai jenis perniagaan tersebut di Jerman.

If neither of these business types fits your business, then select the Individual / Sole Proprietorship business type and assign a key decision maker or owner as the account representative.

My document was rejected.

Ensure the information on your Shopify Payments account matches the information in the document you're submitting, and update your account to match your documentation if needed. If your documents are still being rejected, then refer to the following sections on this page:

Acceptable document types: Which documents are accepted and what details they must include. Screenshots, printouts of online searches, and registry screenshots aren't accepted.
Ensuring documentation compliance: Requirements for accuracy, clarity, completeness, original documentation, and validity.

My business information isn't being verified.

When entering your business information, ensure that your business name, HRB/HRA number, and business address match exactly as they appear in your business registry. This includes:

Correct letter case (uppercase and lowercase)
Correct punctuation and spacing
Complete business name as registered

Shopify banking partners verify your information automatically by comparing it against official registries in Germany. Even small differences can cause verification to fail. Ensure the documentation you're submitting includes the legal name, HRB/HRA number, and business address, and that these details match what appears on your account. Update your account to match your document, if necessary.

My address can't be automatically verified.

Untuk Shopify Payments Jerman, jika alamat anda tidak dapat disahkan secara automatik, maka anda akan diminta untuk melengkapkan proses swafoto atau memberikan dokumen bukti alamat.

Melengkapkan proses swafoto disyorkan: Individu yang memerlukan pengesahan boleh mengklik butang "swafoto" dan kemudian mengambil gambar ID bergambar mereka serta diri mereka sendiri untuk tujuan pengesahan. Hal ini boleh dilakukan sebagai ganti kepada memberikan dokumen bukti alamat.

Jika anda lebih suka memberikan dokumen secara manual, anda boleh berbuat demikian. Dokumen bukti alamat mesti menunjukkan nama penuh, alamat rumah anda dan merupakan salah satu daripada jenis dokumen yang ditunjukkan di sini. Anda juga patut memastikan:

Pastikan alamat yang anda masukkan dalam akaun Shopify Payments anda sepadan dengan tepat seperti alamat pada dokumen bukti alamat anda.
Kemaskinikan maklumat anda dalam akaun anda agar sepadan dengan dokumen anda jika perlu.
Upload a clear photograph of your proof of address document.
Pastikan dokumen yang anda muat naik menunjukkan nama penuh anda sendiri. Contohnya, jika anda mempunyai bil utiliti atas nama orang lain, anda perlu memberikan dokumen yang berbeza.

Maklumat pemilik saya tidak dapat disahkan.

Untuk Shopify Payments Jerman, anda dikehendaki memasukkan pemilik anda supaya nama yang disenaraikan sepadan dengan pemilik yang disenaraikan bagi perniagaan anda dalam pendaftaran perniagaan kerajaan anda. Kami mengesyorkan anda untuk mencari maklumat pemilik anda dalam pendaftaran dan masukkan nama dengan tepat seperti yang ditunjukkan di sana. Jika anda tiada pemilik, anda mesti menyenaraikan semua pengarah anda pada akaun tersebut sebaliknya.

Jika anda telah berbuat demikian dan pemilikan atau jawatan pengarah anda masih tidak dapat disahkan, kami mengesyorkan anda untuk mengklik butang "tandatangan" pada halaman pengesahan anda untuk mengakusaksi secara digital bahawa maklumat yang anda berikan adalah betul. Proses ini pantas dan mudah.

Jika anda lebih suka, anda boleh memberikan dokumen yang mengesahkan pemilik atau pengarah anda dan bukannya menggunakan proses pengakusaksian. Maklumat pemilik dan/atau pengarah yang anda masukkan pada akaun Shopify Payments anda mesti sepadan dengan maklumat pada dokumentasi yang anda muat naik. Jika pemilik/pengarah disenaraikan pada dokumentasi anda, tetapi tidak ditambahkan ke akaun Shopify Payments anda, maka anda mesti menambahkan individu tersebut pada akaun anda dan memperuntukkan peranan Pemilik dan/atau Pengarah kepada mereka. Senarai tentang jenis dokumen yang boleh anda berikan untuk mengesahkan pemilikan tersedia di sini.

Anda patut memastikan pemilik dan pengarah pada akaun anda adalah padanan 1:1 dengan dokumentasi anda. Jangan senaraikan pemilik/pengarah tambahan yang tidak ditunjukkan pada dokumen anda.

Frequently asked questions

Review these frequently asked questions about Shopify Payments requirements in Germany.

Why do you need my photo ID and proof of address if I'm a company, partnership, or non-profit?

Even if you're set up as a company, partnership, or non-profit, Shopify banking partners are required by regulations in Germany to verify the identities of the people associated with the business, including who they are and where they're located.

I'm a citizen of Germany and was born there, but I don't currently live in Germany. Can I use Shopify Payments in Germany?

If your business type is Individual / Sole Proprietor, then you're required to live in Germany to be eligible for Shopify Payments in Germany. If you don't currently live in Germany, then you should create a Shopify Payments account for the region where you do live.

Update your store address to your current location. If your location is eligible for Shopify Payments, then you can create a Shopify Payments account for that region instead.

If you're a partnership, company, or non-profit, then you're not required to personally live in Germany, but your business must be registered in Germany and have a German business address. If you need help, then contact Shopify Support.

I'm a GbR (Gesellschaft bürgerlichen Rechts) and I don't have an HRB/HRA number. What should I do?

If you're a GbR but are being asked for an HRB/HRA number, then you're set up as the incorrect business type. If you're in the process of setting up the account, then go back to the business type selection and select Unincorporated partnership. For details on what Unincorporated Partnerships need to provide, refer to the Unincorporated Partnerships (GbR) section on this page.

Jika anda telah menyediakan akaun dan ditanya mengenai nombor HRB/HRA sebagai sebahagian daripada proses pengesahan anda, maka anda boleh mengemas kini jenis perniagaan anda dengan pergi ke Tetapan > Umum. Klik 3 titik di sebelah butiran perniagaan anda, kemudian klik "edit". Jika anda menghadapi sebarang kesukaran mengemas kini jenis perniagaan anda, hubungi Sokongan Shopify untuk mendapatkan bantuan.

I'm a registered sole proprietorship. How can I provide you with my business information?

If you're a sole proprietor, then you should select Individual / Sole Proprietor as your business type. Selecting a different option such as Company or Partnership might cause difficulties during account verification, as these types are verified differently. For details on what Individuals are required to provide, refer to the Individuals / Sole Proprietors section on this page.

Will I be charged VAT on my Shopify Payments processing fees?

No. VAT isn't charged on Shopify Payments processing fees in Germany.

Bagaimanakah cara mengemas kini maklumat akaun Shopify Payments saya?

Jika anda diminta secara aktif untuk melengkapkan pengesahan akaun, anda boleh mengemaskinikan maklumat anda dari halaman pengesahan serta menyerahkan apa-apa dokumen yang diminta.

Di luar proses pengesahan, pemilik akaun kedai boleh mengemaskinikan butiran ini melalui Tetapan > Umum > Butiran Perniagaan. Klik tiga titik di sebelah entiti perniagaan anda dan kemudian klik "edit" untuk mengemaskinikan maklumat perniagaan tersebut, termasuk jenis perniagaan.

Ambil perhatian bahawa apa-apa perubahan yang anda buat di sini akan dihantar secara automatik kepada rakan kongsi perbankan kami untuk disemak, dan maklumat baharu tersebut akan dijalankan semula melalui proses pengesahan mereka. Perubahan tersebut mungkin disahkan semula secara automatik, tetapi anda mungkin juga akan diminta untuk memberikan dokumen sokongan.

Jika anda mempunyai pinjaman Shopify Germany Capital yang tertunggak, anda mungkin tidak dapat mengemaskinikan sesetengah maklumat perniagaan anda sehinggalah pinjaman tersebut dibayar sepenuhnya terlebih dahulu. Pinjaman anda telah dikeluarkan kepada perniagaan yang kini berada dalam rekod, oleh itu pinjaman tersebut tidak boleh dipindahkan kepada perniagaan lain. Hubungi Sokongan Shopify jika anda mempunyai soalan.

Apakah yang berlaku jika saya terlepas tarikh akhir pengesahan saya?

Pembayaran anda akan dijeda sementara sehingga prosedur pengesahan dilengkapkan. Selepas tarikh akhir pertama berlalu dan pembayaran dijeda sementara, anda mungkin melihat tarikh akhir kedua yang menunjukkan masa kebolehan anda untuk menerima pesanan menggunakan Shopify Payments akan dijeda sementara.

Semua jeda ini adalah sementara dan akan ditarik balik secara automatik sebaik sahaja anda melengkapkan pengesahan. Rujuk halaman pentadbir anda untuk mendapatkan maklumat tarikh akhir anda.

Bermula pada bulan Jun 2026, akaun Shopify Payments Germany yang serba baharu mempunyai masa 90 hari dari pesanan pertama yang diproses untuk melengkapkan pengesahan. Jika masa 90 hari berlalu, apa-apa pesanan yang anda proses menggunakan Shopify Payments mungkin dibayar balik secara automatik.

Perkara ini hanya terpakai untuk negara Eropah dan hanya terpakai untuk akaun serba baharu yang dicipta pada atau selepas bulan Jun 2026. Jika perkara ini terpakai kepada anda, amaran akan memberitahu pemilik akaun anda tentang masa mereka boleh menjangkakan bayaran balik diproses.

Before you contact Shopify Support about Shopify Payments in Germany

Before contacting Shopify Support, gather this information to help resolve your issue faster:

Screenshots of any error messages you received, with sensitive information such as bank account numbers removed
The business type you selected during setup
Your HRB or HRA number and Register court, if applicable
The specific step where you encountered the issue
The browser and device you're using
Your bank account type and currency, without your full IBAN
Any documents you've uploaded and when you uploaded them

Having this information ready helps Shopify Support assist you more efficiently.

Bank account and personal information requirements for Shopify Payments in Germany

On this page

Requirements for using Shopify Payments in Germany

Unsupported bank account types

Purpose of collecting information

Required personal and business information for activating Shopify Payments in Germany

Accepted documents

Identity documents

Address documents

Business documents

Dokumen pemilikan

Ensuring documentation compliance

Troubleshooting common issues

Frequently asked questions

Before you contact Shopify Support about Shopify Payments in Germany