Which payment gateways does Shopify use?


1. Shopify Payments.

If your ecommerce store is on Shopify, their own payment platform is definitely worth a look. It removes the hassle of setting up third-party providers and is automatically set up to accept major payment methods.

You will also see your transaction details in your Shopify admin (not the case with third-party gateways - they have their own admin area).

With shopify payments, you pay the card rate, but not the subscription transaction fee. Stores using a third-party payment provider pay both the shopify subscription fee and the credit card fee charged by the third-party payment provider.


We can't talk about payment gateways if we don't talk about the paypal giant. The shopify payment gateway is so big that it surpassed parent company EBay as its own entity. Paypal can be set up in less than a day and offers free, paid merchant options. It also has a great support system if you have any questions.

paypal is one of Shopify's default payment providers. When you open your store, you will be given a paypal Express Checkout account, including the email you registered with your Shopify store. After setting up a paypal account, you will be able to receive money for orders placed by paypal.

3. Worldpay.

Founded in 1989, Worldpay is probably the second largest payment gateway platform after paypal. Worldpay is available in nearly 120 countries and has a helpful support and sales team.

4. Stripe.

The integration of Shopify and Stripe makes it easy for businesses to set up payments for their stores. It is a popular solution because of its ease of integration, clear pricing structure, and the ability to set recurring charges and direct debits.

5. Klarna.

Klarna helps thousands of businesses enable their customers to buy later on a pay-as-you-go purchasing model. But how does it work for business?

Have your client split the cost into three interest-free installments.

Provide your customers with 36 months of payment time.

Give your customers an additional 30 days to pay.

It uses a simple per-transaction structure that decreases as sales increase. This starts at 1.9% and increases as Klarna risk increases. There is also a 20p transaction fee associated with Klarna purchases.

It helps your customers offer them flexible payment options through checkout without putting any risk to the merchant. Even if the customer defaults, the merchant still gets the money — the risk is Klarna.

6. Amazonpay.

Many people now have Amazon accounts. This option allows customers to pay at your store using their Amazon details so they can buy quickly and easily with a name they trust. As a business, as long as you have an Amazon Professional seller account, you can set up Amazon Pay on an active Shopify store.

You need to think carefully about their cost, however, as they can hit low volume businesses and when your customers use this gateway to buy you, it can take days to reach your account.

7. Opayo.

Opayo, formerly known as Sagepay, is a popular Shopify payment platform in the UK and the US.

Instead of being charged per transaction, you pay a fixed monthly fee per transaction. Prices start at £19.90 for 350 transactions per month.

8.Shop pay Installments

Shop pay installments come from Shopify itself and are a variation on Klarna's Buy Now payment model for the future.

It offers customers the option to pay in full, or divide their purchase into four equal interest-free installments for orders ranging from $50 to $3,000. No additional fees, interest rates or late fees are passed on to customers.

If a customer pays in instalments with Shop pay, their credit score will not be affected. However, if a customer does not pay instalments or deferred payments, they may not be eligible for Shop pay instalments in the future.

9. Square.

Square is known for its payment processor for online and offline payments (using pOS hardware).

You can use Square to connect your e-commerce store with your brick-and-mortar store so you can track inventory in one place using the dashboard. It’s also forward-thinking about flexibility for businesses—for example, it allows you to accept donations, membership fees, and other transactions like booking fees.

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