Payments & POS
Shopify Payments
Built-in payment processing for Shopify stores, no third-party gateway.
4.4· 4,976 reviews· via G2Founded 2013 · Ottawa, Canada
What is Shopify Payments?
Shopify Payments is the built-in payment processing service for Shopify stores. It lets merchants accept credit cards and digital wallets directly, without setting up a third-party gateway.
Best known for: Native payment processing for Shopify
Key features
- Integrated card processing
- No third-party gateway required
- Multiple payment methods
- Automatic payouts to bank
- Built-in fraud analysis
- Unified reporting in Shopify
Who Shopify Payments is best for
- Merchants already running their store on Shopify
- Ecommerce sellers who want processing bundled with their platform
- Omnichannel brands using Shopify POS in-store and online
Ideal team: Shopify store owners who want native payments to avoid third-party transaction fees and manage everything in one admin.
Shopify Payments pricing
Popular
Basic
$39/flat / mo + per-txn fee
- $39/mo Shopify plan
- Online cards 2.9% + 30¢
- No extra Shopify transaction fee
Grow
$105/flat / mo + per-txn fee
- $105/mo Shopify plan
- Online cards 2.7% + 30¢
- Lower rates as you scale
Advanced
$399/flat / mo + per-txn fee
- $399/mo Shopify plan
- Online cards 2.5% + 30¢
- Best rates + advanced reporting
Costs to watch before you commit
- Using a third-party gateway instead of Shopify Payments adds a 0.5%–2% Shopify transaction fee.
- The card rate is tied to your Shopify subscription tier — you pay for both.
- In-person Shopify POS rates and Retail plan fees differ from the online rates shown.
- International and currency-conversion fees apply on cross-border sales.
Top Shopify Payments alternatives
Popular Payments & POS tools teams evaluate alongside Shopify Payments.
SquareAll-in-one POS, hardware, and payments for retail, food, and services.
Checkout.comEnterprise payment orchestration with interchange++ and multi-acquirer routing.
GoCardlessBank debit and ACH collection built for recurring and invoice payments.
Lemon SqueezyMerchant of record for digital products, SaaS, and subscriptions.
Authorize.netLong-standing payment gateway that plugs into existing merchant accounts.