Configuring Shopify Payments

You can complete optional tasks to configure Shopify Payments, such as setting up payout notification emails, adjusting your fraud-detection settings, and editing your bank account information.

Shopify Payments account status indicators

In the Payments section of your Shopify admin, you can review any Shopify Payments account status indicators. These indicators provide an overview of any issues with your Shopify Payments account, including payout holds, local payment method onboarding errors, and business information requirements. The status indicators also state when your Shopify Payments account is operational and no issues are present.

Shopify Payments account status indicators are color-coded for easy reference, and contain a reference to the Shopify Payments feature that requires your attention. The following colors indicate the different statuses of your Shopify Payments account and features:

• Green: The payment product or feature, for example your Shopify Payments payouts, is working as expected.
• Yellow: The referenced part of Shopify Payments isn't working as expected, or is expected to stop working. For example, Shopify might require further business information from you before your account is fully onboarded. Follow the instructions in the Payments section of your Shopify admin to resolve any issues.
• Red: The referenced part of Shopify Payments is blocked from use. Follow the instructions in the Payments section to resolve any issues.

Set up payout notification emails

When a payout is transferred to your bank account, you receive an email to your store email address. The email includes the amount paid and a link to the payout in your store, so you can review the included orders and customer details. Learn more about changing your store email address.

You can turn payout notification emails on or off in your Shopify Payments settings.

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Change your payout statement name

The payout statement name is how your payouts display on your bank statement. By default, your payout statement name displays as Shopify. If you're located in the United Kingdom or Ireland, then your payout statement name is listed as Earthport PLC Shopify, instead of Shopify.

Anda boleh menyesuaikan nama penyata pembayaran yang dipaparkan pada penyata bank anda. Walau bagaimanapun, bank anda mungkin tidak menggunakan nama tersuai yang anda berikan. Jika bank anda tidak menggunakan nama penyata pembayaran tersuai anda, pembayaran anda mungkin dipaparkan sebagai nama rakan kongsi pemprosesan pembayaran pada penyata bank anda, bergantung pada pemproses pembayaran yang mengendalikan transaksi tersebut.

Some payout statement names might contain additional information on your bank statement. Your bank adds any additional information, and you can't change it.

You can change the appearance of your payouts by editing your payout statement name in your Payment providers settings. Payout statement names must be between 5 and 22 characters in length. Only Latin character letters are supported, and a payout statement name can't include the special characters <, >, ', or ".

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Changes to your payout statement name can take up to 3 business days to reflect in your bank account, or might reflect only after your current payout cycle is complete. Changing your payout statement name only changes the appearance of future payouts, and doesn't change the appearance of past or pending payouts.

Secure your Shopify Payments account

If your Shopify account has been compromised and you use Shopify Payments, then you must take immediate action to protect your finances and report fraudulent activity.

Examples of fraudulent activity

The following types of activity might indicate that your Shopify Payments account has been compromised:

• Unauthorized bank account changes: Unauthorized changes to the bank account used for Shopify Payments payouts.
• Unauthorized payout schedule changes: Unauthorized changes to your payout schedule.
• Unauthorized orders: Orders placed through your store that you didn't authorize, potentially resulting in chargebacks.
• Unauthorized refunds: Refunds issued to customers for orders that you didn't approve.
• Unauthorized fraud setting changes: Unauthorized modifications to fraud prevention settings that allow high-risk transactions.

Securing your account

If you believe your account has been compromised, then take the following actions immediately to secure your account:

• Verify that the bank account connected to your Shopify Payments account, payout schedule, and holds haven't been changed without authorization. Learn how to edit your bank account information.
• Review and update your banking details for PayPal and any other payment providers that you have configured.
• Review the customer information for recent orders, including draft orders, to verify the legitimacy of the orders.
• If your account was used to create fraudulent orders, then cancel the orders, or refund the orders.
• If fraudulent orders have resulted in chargebacks, then resolve chargebacks within the deadline shown in your admin, which is typically 7-21 days, by contacting the customer or accepting the chargebacks.
• Verify that your fraud prevention settings haven't changed without authorization.

To ensure that your account is secure and prevent fraudulent activity, complete the account security setup.

Fraud prevention settings

When you use Shopify Payments to process transactions at checkout, Shopify automatically performs enhanced fraud analysis. The results of the analysis are displayed as fraud analysis indicators on the order, that you can use to help you decide whether to fulfill the order.

The following are the two most commonly used fraud prevention methods for card transactions:

• Address Verification System (AVS): AVS compares the numeric part of the customer’s billing address and zip code or postal code to the information on file with the credit card issuer. With Shopify Payments, AVS is deactivated by default because Shopify's fraud analysis authenticates high risk transactions during the payments process. After you create an order, Shopify runs further fraud analysis that uses information from the AVS to verify whether an order is high risk.
• Card Verification Value (CVV): The CVV is a 3-digit or 4-digit number on the customer’s credit card. Credit card companies prohibit the storage of the CVV code, so asking for the CVV is a way of ensuring that a customer has the card physically in their possession. Credit card information stolen from a merchant database is also less usable, because it shouldn't contain CVV information.

Learn more about payment security with Shopify Payments.

Change your fraud prevention settings

You can choose to automatically decline any transaction that fails verification by activating Decline charges that fail AVS postal code verification and Decline charges that fail CVV verification. If you activate these settings, then any transaction attempt that fails the verification is declined and no order is placed. If you activate AVS checks, then you might encounter an increase in failed transactions.

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3D Secure

3D Secure for credit cards is an additional authorization method for online Visa and Mastercard transactions. During checkout, your customers verify their identity with their bank before completing a purchase.

When you turn 3D Secure on in your checkout, a fraudulent chargeback can't be filed for the order. You can turn on 3D Secure on the Payment providers settings page in your Shopify admin.

If you're not using Shopify Payments, then you can use a third-party payment provider that supports 3D Secure in the checkout. Learn more about third-party payment providers that support 3D Secure.

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Edit bank account information

Review the following considerations before editing your bank account information:

• If your bank account details change, then you can update the information in your Shopify Payments settings. You need to verify your old bank account information to edit banking information.
  • Apabila anda menukar maklumat akaun bank anda kepada akaun bank luaran baharu, pembayaran anda akan dijeda selama 3-5 hari perniagaan untuk melindungi daripada penipuan. Selepas jedaan tersebut berakhir, pembayaran akan mula diproses semula mengikut jadual pembayaran anda. Jedaan ini tidak terpakai apabila anda menukar destinasi pembayaran Shopify Payments anda kepada akaun Shopify Balance anda.
  • Jika anda menambahkan akaun bank pembayaran lebih daripada 24 jam selepas menyelesaikan persediaan Shopify Payments anda, seperti menambahkan akaun bank untuk mata wang pembayaran baharu dengan Pembayaran Berbilang Mata Wang, maka pembayaran anda dijeda selama 3–5 hari perniagaan.
• When you update your bank account for Shopify Payments, any payouts that are already scheduled are sent to your old bank account. If a scheduled payout fails, then it's automatically retried to your new bank account within 72 hours.
  • Payouts are created 1–2 days in advance, so it might take a few days for changes to take effect. Any changes to your Shopify Payments settings can also cause a slight delay in payout scheduling, in addition to your region's standard pay period.
• You can't use prepaid bank cards as bank account credentials to receive payouts from Shopify Payments.
• Jika akaun bank lama ditutup, atau butiran akaun tidak diketahui atau tidak betul dan tidak dapat disahkan, rujuk Penyelesaian masalah perubahan akaun bank.
• If you add a Japanese bank account, then you need to use Kanji (full width) characters.

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Penyelesaian masalah perubahan akaun bank

Untuk mengemaskinikan akaun bank pembayaran anda, anda perlu mengesahkan butiran akaun bank lama anda terlebih dahulu menggunakan langkah Sahkan akaun bank lama. Ini membantu untuk melindungi pembayaran anda daripada perubahan yang tidak dibenarkan.

Jika akaun lama ditutup, atau butiran tidak diketahui atau tidak betul, anda mungkin tidak dapat melengkapkan langkah ini.

Untuk terus mengemaskinikan akaun bank pembayaran anda, hubungi Sokongan Shopify untuk pengesahan akaun. Sokongan Shopify boleh menyahdayakan keperluan pengesahan supaya anda boleh mengemaskinikan akaun bank pembayaran anda.

Jika anda menguruskan akaun bank untuk pembayaran berbilang mata wang, panduan penyelesaian masalah ini juga terpakai apabila anda menggantikan akaun bank.

Editing bank account information when using Shopify Balance as your payout account

If you use Shopify Balance as your payout account and your account details change, then review the following information:

• Payouts: Your Shopify payouts are automatically deposited into the correct Shopify Balance account even if your account details change. No action required on your part.
• Scheduled bill payments: Any scheduled bill payments are automatically updated with your new Shopify Balance account details.
• Third-party integrations: If your Shopify Balance account is linked to any third-party providers, such as eBay, Etsy, or utility companies, for automatic debits or credits, then you need to manually update your account details with the external service provider. You might need to disconnect and reconnect your Shopify Balance account to these service providers, or manually update your account details with these service providers.
• Accessing old account information: If you've changed account information on any of your accounts, then you can access your old account information in your Shopify Balance account.

Edit customer statement name

You can change the statement name that displays on your customer's payment card bill when they make a purchase on your store. You must add your phone number so that customers can call you if there's a problem. You can also add the name of your store, so that your customers know what the payment card charge was for.

Customer statement name compliance for Shopify Payments

If you use Shopify Payments, then your customer statement name must be between 2 and 19 characters in length, and it must include your shop name, legal entity name, store name ("Doing Business As" name), or URL. If you don't edit your customer statement name on setup, then Shopify sets one for you that complies with these requirements.

If you choose to edit your customer statement name, and it's deemed insufficient, then Shopify updates the statement name on your behalf to meet the character requirements, and this reflects your shop name, legal entity name, store name ("Doing Business As" name), or URL. You receive an email to notify you of the change. This is intended to help you avoid payout or charge holds related to an invalid customer statement name.

You can update your customer statement name at any time, regardless of whether it's been automatically set by Shopify as described above.

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Some additional public information might be included on your customer's statement name, depending on their credit card network, brand, or issuing bank. This decision is up to the individual bank.

Mengemaskinikan butiran perniagaan dan pemilik untuk Shopify Payments

Jika butiran perniagaan anda berubah selepas anda menyediakan Shopify Payments, anda boleh mengemaskinikan butiran anda melalui bahagian Tetapan > Umum > Butiran Perniagaan anda. Klik 3 titik di sebelah entiti perniagaan anda dan kemudian klik “Edit”.

Mengubah butiran penting seperti nama entiti sah, ID cukai pengenalan atau jenis perniagaan akan menyebabkan entiti sah baharu dicipta. Jika anda memerlukan bantuan tentang perkara ini atau mempunyai soalan, hubungi Sokongan Shopify.

Jika pada masa yang sama, anda telah membuka akaun Balance, akaun Credit atau mempunyai pinjaman Capital yang tertunggak di bawah butiran perniagaan semasa anda, anda perlu menghubungi Sokongan Shopify untuk membuat perubahan yang wajar.

Pematuhan nama dagangan ("menjalankan perniagaan sebagai") untuk Shopify Payments

Nama dagangan ialah nama yang digunakan oleh perniagaan secara terbuka dengan pelanggan. Nama ini mungkin sama dengan nama sah berdaftar, atau mungkin nama berbeza yang digunakan untuk penjenamaan, pemasaran, laman kedai, laman web atau resit.

Sebagai contoh:

• Nama berdaftar: ABC Inc.
• Nama Dagangan: Cool Closet Company

Apabila anda mendaftar untuk Shopify Payments, anda akan diminta memberikan "Nama kedai" anda. Medan ini akan bertindak sebagai nama dagangan anda. Nama kedai yang anda masukkan dalam bahagian Tetapan > Umum > Butiran kenalan kedai akan digunakan secara automatik dalam borang penyediaan Shopify Payments, tetapi anda mempunyai peluang untuk menukarnya semasa penyediaan akaun.

Anda boleh memastikan akaun anda kekal sihat dan patuh dengan memastikan nama dagangan anda mengikut panduan ini:

• Gunakan perkataan sebenar. Jangan gunakan istilah ruang letak, singkatan atau rentetan aksara rawak (cth., "fkasfkk234")
• Jangan gunakan istilah generik (cth., "Kedai Dalam Talian", "Shopify", "Kedai saya", "perniagaan e-dagang")
• Jangan gunakan nama jenama terkenal yang dimiliki oleh perniagaan lain (cth., "Apple", "Nike", "Amazon")

Jika anda telah menyediakan Shopify Payments dan perlu mengemaskinikan nama dagangan anda, anda boleh berbuat demikian dengan mengemaskinikan nama kedai anda dalam Tetapan > Umum > Butiran kenalan kedai. Tindakan ini akan disegerakkan dengan akaun Shopify Payments anda. Jika anda mengalami kesukaran, hubungi Sokongan Shopify.

Updating tax details for Shopify Payments

Apabila anda menyediakan Shopify Payments, anda perlu memasukkan butiran cukai anda. Semua perniagaan berdaftar perlu menyerahkan ID cukai. Jika perniagaan anda tidak berdaftar, di kebanyakan rantau, anda boleh menyediakannya sebagai individu sebaliknya.

Jika ID cukai yang anda serahkan tidak sah, anda akan digesa untuk mengemaskininya. Anda mungkin menerima e-mel daripada Shopify dan pemberitahuan dipaparkan dalam suapan makluman pentadbir Shopify anda. Butiran cukai yang tidak betul berpotensi mengakibatkan pembayaran yang gagal dan menahan keupayaan anda untuk menerima pesanan menggunakan Shopify Payments.

Untuk mengemaskinikan butiran cukai peribadi atau perniagaan, pergi ke bahagian Tetapan > Umum > Butiran Perniagaan. Klik 3 titik di sebelah entiti perniagaan anda dan kemudian klik “Edit”. Jika pada masa yang sama, anda telah membuka akaun Balance, akaun Credit atau mempunyai pinjaman Capital yang tertunggak di bawah butiran perniagaan semasa anda, anda perlu menghubungi Sokongan Shopify untuk membuat perubahan yang wajar.

Jika anda mengemaskinikan ID cukai perniagaan anda, seperti ID Cukai Nilai Tambah (Value Added Tax, VAT) anda, Nombor Pengenalan Cukai Barangan dan Perkhidmatan (Goods and Services Tax Identification Number, GSTIN) atau pengenal pasti perniagaan (bergantung pada rantau), anda mungkin juga perlu mengemaskinikan butiran cukai untuk pengebilan dan butiran cukai untuk pesanan anda.

Tax reporting

As a merchant, you're required to abide by all applicable regulations, including tax reporting. Depending on your jurisdiction, Shopify Payments might also be required to report your sales to the local tax authorities.

Di Amerika Syarikat khususnya, Shopify diwajibkan untuk memfailkan Borang 1099-K kepada Internal Revenue Service (IRS) untuk pedagang yang memenuhi ambang pelaporan tahunan.

Some countries have unique tax reporting requirements. For details, refer to the tax reporting requirements for each supported country.

Adjust the major credit cards that your store accepts

With Shopify Payments, you can select the major credit card types that your store accepts.

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Deactivate Shopify Payments

You can deactivate Shopify Payments from your Shopify admin. Deactivating Shopify Payments impacts your store in the following ways:

• All payment methods provided by Shopify Payments, including cards, wallets, and Shop Pay, are removed from your online store.
• If you're using Shopify Payments when you receive funding through Shopify Capital, then you can't deactivate Shopify Payments until the total amount owed is fully repaid. Learn more about Shopify Capital and Shopify Payments options.
• It could affect how your checkout works on other sales channels, such as Facebook, Instagram, and the Shopify POS.
• Any fixed prices are deleted from your markets, and you can't support currencies other than your store currency.
• You're ineligible for Shopify features and services that require using Shopify Payments as a prerequisite, such as Shopify Balance or Shopify Collective.

After deactivating, you can reactivate Shopify Payments or activate a third-party payments provider.

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