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    Shopify Payments

    Shopify Payments processes cards and wallets directly inside a Shopify store, at a rate set by the store's subscription plan.

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    ToolTrim verdict3.6/ 5Average

    On the entry Basic plan, the rate is 2.9% + $0.30 per online card transaction; it drops to 2.4-2.5% + $0.30 on the Advanced plan.

    Shopify Payments, preview 1
    About

    In practice. What you can do with Shopify Payments.

    Shopify Payments is the payment processor built into Shopify stores, handling cards, digital wallets, installments and crypto at checkout, with support for over 130 currencies and Shop Pay accelerated checkout.

    There's no separate price: the online card rate runs from 2.9% + $0.30 on the Basic plan down to 2.4-2.5% + $0.30 on Advanced, and using it removes the extra third-party gateway fee that would otherwise apply. It suits a merchant already committed to Shopify who wants one less account to manage, rather than someone comparing standalone processors.

    Practical uses

    • UsageA merchant on the Shopify plan accepts a card payment at checkout and pays 2.6% + $0.30, with no separate gateway fee on top.
    • UsageA store switches from an external payment processor to Shopify Payments to remove the extra third-party gateway fee that applied on top.

    Features & use cases

    Finance

    Pros and cons. What Shopify Payments does well, and what to expect.

    Pros

    • Removes the separate third-party gateway fee that would otherwise stack on top of the card processing rate.
    • Activates inside the existing Shopify checkout, with no separate gateway account to set up.

    Cons

    • Only works for merchants already running a Shopify store; it cannot be used as a standalone processor.
    • The transaction rate is set by the Shopify plan tier, not independently negotiable at the entry plans.

    When it makes sense. Keep Shopify Payments, or challenge it?

    Keep if

    • You already run a Shopify store and want card payments without managing a separate gateway account.

    Challenge if

    • You sell outside Shopify, or you need a payment processor you can use independently of any one e-commerce platform.

    Pricing. What does Shopify Payments cost ?

    Basic (online card rate)

    ToolTrim reference price

    Custom quote.

    • 2.9% + $0.30 per online credit card transaction on the Basic Shopify plan; +1% for cards issued outside the merchant's country

    Shopify plan (online card rate)

    Custom quote.

    • 2.6% + $0.30 per online credit card transaction

    Advanced (online card rate)

    Custom quote.

    • 2.4-2.5% + $0.30 per online credit card transaction, the lowest tier rate

    Official pricingChecked on September 25, 2026

    Alternatives. What could replace Shopify Payments?

    Current

    Direct substitutes

    Our verdict. What to know about Shopify Payments.

    Why this verdict

    Average

    Added value

    Using Shopify Payments removes the separate third-party gateway fee (0.6-2%) that otherwise stacks on top of any external processor, a direct saving for a Shopify merchant.

    Simplicity

    It activates within the existing Shopify checkout with no separate gateway account to configure, since it is built into the store plan.

    Fit for purpose

    It processes cards, wallets, installments and crypto payments as described, with the rate simply varying by store plan.

    Performance

    Capability is tied to whatever the merchant's Shopify plan unlocks; it is not a standalone processor with its own independent feature ceiling.

    Reversibility

    Neutral score: data export and switching-away mechanics are not covered by the collected sources.

    Shopify Payments Summary

    Category
    productivity tool.
    Price from
    Free (Basic (online card rate)).
    Best for
    A small online store owner who wants card and wallet payments built into Shopify without setting up and reconciling a separate payment gateway.
    Avoid if
    You sell outside Shopify, or you need a payment processor you can use independently of any one e-commerce platform.
    Alternatives
    Stripe, Razorpay.
    ToolTrim verdict
    On the entry Basic plan, the rate is 2.9% + $0.30 per online card transaction; it drops to 2.4-2.5% + $0.30 on the Advanced plan.

    Frequently asked questions.

    What to know before choosing Shopify Payments.

    What is Shopify Payments used for?

    Shopify Payments processes cards and wallets directly inside a Shopify store, at a rate set by the store's subscription plan.

    How much does Shopify Payments cost?

    Shopify Payments costs $0 (free) (Basic (online card rate) plan). Price verified on 2026-09-25.

    Is Shopify Payments suitable for beginners?

    A small online store owner who wants card and wallet payments built into Shopify without setting up and reconciling a separate payment gateway.

    Is Shopify Payments worth the price?

    On the entry Basic plan, the rate is 2.9% + $0.30 per online card transaction; it drops to 2.4-2.5% + $0.30 on the Advanced plan.

    What are the best alternatives to Shopify Payments?

    The main alternatives to Shopify Payments are: Stripe, Razorpay. Free alternatives: Stripe.

    Shopify PaymentsPrice on quote
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