Inquiry Regarding Compliance with Shopify Policies

Partner Discussions
1

HI,

I am reaching out to seek clarification regarding a specific feature in our app to ensure full compliance with Shopify’s policies. The feature involves the following workflow:

  1. Bank Account Collection: The app will collect the merchant’s bank account details within the embedded app interface.
  2. Consent for Transaction Monitoring: The merchant will be asked to provide explicit consent to allow the app to view incoming transactions to their bank account.
  3. Order Matching: The app will use this consent solely to match incoming transactions with Shopify orders. Importantly, the checkout process will remain entirely within Shopify’s standard flow, with no deviation or interference.

Could you kindly confirm whether this approach aligns with Shopify’s policies? If additional details or context would be helpful, please let me know, i’d be happy to provide further clarification.

Thanks in advance.
Regards

2

Hey @Dchar, to start you would need to make sure that it complies with section 7 of the general requirements for all apps (distributed through the Shopify App Store).

You would need to submit data protection details because you will be processing order transactions.

That said, regarding transactions to the bank account, unless you have API access to pull said details from a very wide variety of banking systems/countries, and a way to normalize said details for your app to check against, then you may have a very difficult time attempting to verify a match.

If you are building something for merchants that use Shopify Payments, then you may want to stop because it already provides functionality in the admin back-end for viewing payout transactions & their associated order.

Also, and this is just a personal thought here, I doubt Shopify would approve an app as you have described to reside on the Shopify App Store that collects banking information from merchants while being embedded into the admin back-end. (Though maybe you were not planning to have it on the Shopify App Store, and I also have not looked for any that may already be doing said things.)

Please respond here and let me know if any of that helps.

3

Thank you @RobDukarski for your reply.

The app doesn’t gather customers information, but it use some of the order data like total amount and the order reference and should be able to update the payment status of the order .

The app will ONLY work in the European zone as it rely on an approved specification that standardize the bank transfer information accross the European zone into a Qr Code, who will be displayed in the thank you and the order status page then sent by email to the customer. The customer then use his banking app to scan the Qr Code and approve the transaction.

I’m very familiar with open banking API, and we can rely on one or many (usually one API can give us access to thousand of banks)

The app simply make a manual payment automatic.