Payment Policy

1. PCI DSS Compliance

  • Shopify is Level 1 PCI DSS (Payment Card Industry Data Security Standard) compliant, the highest level of certification available. This ensures that both Shopify and any stores hosted on the platform meet strict security standards for handling cardholder data.
  • Store owners do not need to handle card data directly, which reduces the risk of breaches.

2. SSL Encryption

  • All Shopify stores come with SSL (Secure Socket Layer) certificates by default. SSL encryption ensures that any data (including card details) transmitted between the customer’s browser and the Shopify servers is encrypted and cannot be intercepted by malicious actors.

3. Tokenization of Card Data

  • When processing payments, Shopify doesn’t store actual credit card information on its servers. Instead, tokenization is used, meaning card data is replaced with a secure token that can be used to process the transaction without exposing the card details.

4. 3D Secure

  • Shopify supports 3D Secure, which adds an extra layer of authentication for credit and debit card transactions, making it harder for unauthorized users to make fraudulent purchases.

5. Fraud Detection Tools

  • Shopify offers built-in fraud analysis tools, which help identify potentially risky transactions. These tools analyze factors such as the customer’s IP address, shipping address, and payment method to highlight transactions that may require further investigation.

6. Data Protection Measures

  • All sensitive information is stored securely using strong encryption algorithms, and Shopify undergoes regular security audits and penetration testing to ensure its systems remain secure.

7. Security for Payment Gateways

  • If you use Shopify Payments, all payment transactions are processed through Shopify’s PCI-compliant gateway. For external payment gateways, Shopify ensures that the gateway adheres to PCI DSS standards as well.

8. Two-Factor Authentication (2FA)

  • Shopify store owners can enable two-factor authentication for their accounts to add an extra layer of security when logging in.