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Shopify PaymentsB72

Payment Processor · Small and medium ecommerce merchants selling on Shopify in a supported country — especially those using Sho…

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Overview

For a store on Shopify, Shopify Payments is the path of least resistance and usually the best economics: competitive tiered rates, zero gateway setup, and the elimination of Shopify's third-party transaction fee. The A- reflects the trade-offs of the arrangement — payout holds are a real and recurring complaint, support during a hold is inconsistent, and the penalty fee on outside processors means you are choosing lock-in, not just a processor.

Best for: Small and medium ecommerce merchants selling on Shopify in a supported country — especially those using Shopify POS in person, where the unified checkout, inventory, and payout reporting is genuinely convenient.

Strengths

  • + One-click activation inside Shopify — no external gateway setup, with checkout, POS, and payouts unified in the admin
  • + Using it removes Shopify's third-party transaction fee entirely
  • + Tiered card rates that drop meaningfully on higher plans
  • + Shop Pay accelerated checkout and built-in Buy Now, Pay Later options
  • + Available across roughly 40 countries with multi-currency selling support

Trade-offs

  • – Account holds and payout disputes are the leading payments-specific complaint theme
  • – The 0.2%-2% penalty on outside processors makes leaving Shopify Payments expensive — structural lock-in
  • – Support experiences are inconsistent, which stings most when a payout is frozen
  • – Unavailable in many countries and prohibited for certain product categories, forcing those merchants to third-party gateways

Fees in detail

  • Online rate: 2.9% + $0.30 (Basic), 2.7% + $0.30 (Grow), 2.5% + $0.30 (Advanced), 2.25% + $0.30 (Plus) on standard cards; premium cards, meaning all domes
  • International: +1% on cards issued outside the US on every plan, plus a 1.5% currency conversion fee for US stores (2% in other regions) when the order cur
  • Disputes: $$15 in the US, returned if you win the dispute

Standard published rate for a domestic online card payment. Confirm current pricing on Shopify Payments's pricing page.

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