Vitali:

On my iTunnes Connect I have 4 applications that I developed for my clients(Financial apps for trading) and when I tried to upload it, but I've been rejected by Apple(before 2018 year it wasn't a problem):

Guideline 3.2.1 - Business - Other Business Model Issues - Acceptable. The seller and company names associated with your app do not reflect the financial institute name “XXXX Bank Ltd.” in the app or its metadata, as required by Guideline 3.2.1(viii) of the App Store Review Guidelines. Specifically, your app must be submitted by XXXX Bank Ltd. Developer account to be in compliance with this guideline. Next Steps Your app must be published under a seller name and company name that reflects the Discount Bank Ltd. name. If you have developed this app on behalf of a client, please advise your client to add you to the development team of their Apple Developer account.

As I understand the problem that I am developing third party apps for my clients and this is not acceptable by apple. Do I need to create 4 apple id users and certificates for each client and then to upload it.

Thanks in advance