Shopify Payments Overview

Shopify Payments is the native payment processing solution built into the Shopify e-commerce platform. It eliminates the need for third-party payment gateways and the additional transaction fees associated with them.

Key Features

• Native integration with zero additional gateway fees (saving 0.5-2% per transaction compared to third-party gateways)
• Global payment methods including Shopify-supported local payment methods across markets
• Shop Pay one-click checkout with accelerated conversion rates up to 1.72× higher than guest checkout
• Installments powered by Affirm, Afterpay, and Klarna for BNPL options
• Fraud analysis with machine-learning-based fraud detection and chargeback protection
• Multi-currency support with automatic currency conversion and local pricing presentation

Pricing

Shopify Payments pricing varies by plan: Shopify Basic (2.9% + $0.30), Shopify (2.6% + $0.30), and Advanced Shopify (2.4% + $0.30) for online credit card transactions. In-person rates are lower. There are no additional gateway fees, but platform subscription fees apply.

Geographic Availability

Shopify Payments is available in the United States, Canada, United Kingdom, Australia, New Zealand, Ireland, and select European markets. Merchants outside these regions must use third-party gateways.

Integration

Shopify Payments comes pre-integrated with all Shopify storefront themes. Merchants can enable it from their Shopify admin with no coding required. Checkout customization is available through Shopify Checkout Extensibility.

Best For

Any merchant using the Shopify platform who operates in a supported country. The combination of eliminated gateway fees, Shop Pay conversion optimization, and integrated multi-currency support makes it the optimal payment solution for Shopify merchants.