Selling an Insurance via APP

Retired Boards Appdev Partners Discussion
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1

Hello,

We are currently trying to get an app into the App Store that allows bike sellers to offer insurance through their shops.

However, we are struggling to get the process accepted by Shopify. I would be interested in knowing if anyone has any tips for us.

Here is our process:
On the product page, the customer indicates that they want to insure the product. There is a widget for that. After the customer has completed the purchase of the product, they receive an email with a link to our portal, where they enter their insurance and payment information to finalize the contract with the insurer.

We have submitted the app to Shopify, but received the following response:

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Shopify is criticizing that the payment information is requested again from the customer on our portal, making it essentially another “checkout”, which is prohibited by shopify. However, this is necessary from a process standpoint because the contract is made directly with the insurer, who also needs the customer’s contact and payment information. Shopify seems to prohibit this.

Does anyone have experience with such a process?

Of course, we don’t want to implement anything that Shopify doesn’t allow. But it doesn’t seem very unusual to me that an insurance contract with a third party is concluded when purchasing a product. There must be a solution for this.

Would it make a difference if we communicate the process for the customer not as another checkout, but only as an offer that the customer gets? So the process would maybe could not be seen as another checkout, but as an cross selling offer that the customer can use.

Sadly the reviewer didnt said if its a problem of communication to the buyed, or if its generally not allowed to implement such a process.

Does anyone have any ideas?

Best
Alexander

2

Hi Alexander,

You mention that “the contract is made directly with the insurer, who also needs the customer’s contact and payment information” - do you have more information on why they would need the payment information specifically? If there are follow up payments required, could these be managed as draft orders sent from the store admin, which would be processed on Shopify’s checkout?

I believe the concern that the app reviewer has here is that Shopify cannot verify that the platform that is receiving the payment info is secure, so in the interest of customer safety we prohibit apps that allow third-party platforms to collect payment information.

3

Hey Liam,

thanks for your reply.

The problem is that the insurance payment is actually processed directly by the insurer. Not by ourselfs. This means we cannot bill for the insurance ourselves. The insurer has to do this directly. Therefore, we probably cannot process this through Shopify, as we need to send the IBAN directly to the insurer for him to do this. The insurer then settles directly with the customer.

As insurance brokers, we cannot collect the money directly from the customer and forward it to the insurer. Otherwise, the insurance could be billed directly through Shopify’s logic. But this is legally not possible for us.

Is there another way to implement this?