Quick Answer
Shopify Payments is Shopify’s integrated payment option for eligible Shopify merchants, while a direct Stripe setup supports custom or multi-platform implementations. The practical decision depends on your country, platform, and use case. Confirm the applicable processor terms, pricing, payout path, support, and account relationship before choosing.
Head-to-Head Comparison
Stripe and Shopify Payments are separate merchant-facing choices. Shopify Payments is Shopify’s integrated option for eligible Shopify merchants, while a direct Stripe setup can support payment implementations outside a Shopify-native path. Compare the payment path, current terms, pricing, and support details for your location before choosing.
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Shopify Payments is Shopify’s integrated service, while direct Stripe supports custom or multi-platform implementations. Merchants compare them based on store platform, payment path, and location-specific terms.
Shopify-native payments (Shopify Payments) vs. a direct Stripe setup for custom or multi-platform implementations; verify current country-specific terms.
Stripe may be a better fit when…
Consider a direct Stripe setup if you need a payment implementation outside Shopify-native payments, such as a custom or multi-platform checkout. Confirm availability, terms, and integration fit for your location.
View Stripe profileShopify Payments may be a better fit when…
Consider Shopify Payments if you run a Shopify store and want a Shopify-native payments path connected to your store and checkout. Confirm eligibility, current plan terms, and the applicable payment processor for your location.
View Shopify Payments profileMerchant payment path
Direct Stripe setup outside Shopify-native payments.
Shopify-native payment service connected to the Shopify store and checkout.
Country-specific terms
Verify Stripe availability and terms for the selected product and location.
Verify the applicable processor, payment terms, and Shopify plan for your location.
Platform scope
Can be evaluated for custom or multi-platform payment implementations where supported.
Integrated with the Shopify platform, store, and checkout for eligible merchants.
Pricing and terms
Published Stripe pricing and terms apply to the selected Stripe products and location; verify current terms.
Pricing and applicable terms depend on Shopify plan, offer, location, and payment arrangement; verify current terms.
Support and payouts
Confirm current support, payout, and account details for your location and setup.
Confirm current support, payout, and account details for your location and Shopify plan.
Stripe
1 of 2 providers
Merchant payment path
Direct Stripe setup outside Shopify-native payments.
Country-specific terms
Verify Stripe availability and terms for the selected product and location.
Platform scope
Can be evaluated for custom or multi-platform payment implementations where supported.
Pricing and terms
Published Stripe pricing and terms apply to the selected Stripe products and location; verify current terms.
Support and payouts
Confirm current support, payout, and account details for your location and setup.
Comparison details are based on publicly available information. Verify current terms, availability, pricing, processor relationships, and account details for your location and setup.
Stripe
1 of 2 providers
Pricing Model
Monthly Fee
In-Person Rate
Online Rate
Contract
In-Person Payments
Online Payments
Ecommerce
Subscription Billing
POS Hardware
Public Pricing
Data sourced from publicly available information. Fields marked "Research in Progress" are not publicly confirmed. How we verify data.
Both publish pricing that depends on the selected plan and offer. Shopify documents additional transaction fees when a Shopify store uses a third-party payment provider in applicable plan contexts, but the specific fee and total cost depend on your Shopify plan, country, card mix, and current terms. Verify all current pricing directly.
Recommended reading before making a pricing decision:
Stripe
Considerations
Shopify Payments
Considerations
Advantages and considerations are based on publicly available information. Verify all details directly with each provider.
No. Shopify Payments is Shopify’s integrated payment service, while a direct Stripe setup is a separate merchant-facing choice. The applicable account, terms, support, payout path, and payment processor depend on the merchant’s location and selected setup.
Merchants may be choosing between Shopify-native payments for a Shopify store and a direct Stripe setup for a custom or multi-platform implementation. They remain different merchant-facing paths even where Shopify documents a Stripe or Stripe-affiliated payment processor.
Shopify’s current processor list names Stripe or Stripe-affiliated entities in several locations, including the United States and Canada. Shopify also states that processor terms are determined by the merchant’s designated country, so do not assume the same arrangement applies everywhere.
Yes. Shopify’s processor list and Shopify Payments terms identify payment processors and processor terms by merchant location. Review the current documents for your country rather than relying on a processor arrangement described for another market.
Confirm the payment processor and terms for your country, the applicable Shopify plan and pricing, payout timing, support path, account relationship, and whether the payment setup fits your store and checkout requirements.
Enter your monthly volume and average transaction to compare estimated fees side by side.
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Verification note
Shopify documents payment processors and processor terms by merchant location, including Stripe or Stripe-affiliated entities in several markets. Shopify Payments and a direct Stripe setup remain separate merchant-facing paths; verify current terms, pricing, payout details, support, and account relationship for your location.
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