Built-in payment processing for Shopify stores, with in-person sales through Shopify POS and no third-party transaction fees on supported plans.
Quick Answer
Shopify Payments is the integrated payment option for merchants already on the Shopify platform. It eliminates the additional transaction fees Shopify charges when using a third-party processor, and it streamlines the connection between the store and payment settings. It is only relevant for businesses using Shopify.
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Visit Shopify Payments WebsiteEstimate Processing CostsAt a Glance
Tied to a Shopify account; some categories are restricted under Shopify's policies. Approval considerations vary — verify directly.
Restricted Business Policy
Governed by Shopify's Acceptable Use Policy and prohibited/restricted businesses terms; review before applying.
Research Sources & Data Status
Data Status
Research Status
Tracked material fields reviewed against the full public-research framework. Verify current details directly with the provider.
Tracked material fields reviewed from public sources. Verify current details directly with the provider.
Last reviewed
June 16, 2026
Profile coverage confidence
High
Reflects overall profile completeness, not individual finding confidence
Included in
What has been reviewed
Pricing source: Official provider website
All Shopify Payments information is sourced from publicly available documentation. ProcessorFit does not guarantee pricing accuracy — verify directly with the provider.
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When Shopify merchants use a third-party payment processor instead of Shopify Payments, Shopify charges an additional transaction fee (separate from processing fees) on every sale. Using Shopify Payments eliminates this Shopify-imposed transaction fee. Processing rates through Shopify Payments vary by Shopify plan. Verify current transaction fee structure and processing rates on Shopify's pricing page.
Yes. Shopify Payments processing rates vary by Shopify subscription plan — higher-tier plans typically carry lower processing rates. The net cost of upgrading a Shopify plan depends on your processing volume and the rate differential. Shopify publishes its plan rates publicly. Verify current rates and plan options directly on Shopify's pricing page.
Shopify Payments uses automated underwriting and may decline or deactivate accounts for businesses in restricted categories or with unusual activity. If your business is declined, Shopify still allows you to process payments using a supported third-party processor — you would simply pay Shopify's additional transaction fee on those sales. Alternative processors for Shopify stores include Stripe, Authorize.net, and others.
Yes. Shopify POS is the in-person payment solution connected to Shopify Payments, allowing merchants to sell at retail locations, pop-ups, and events. Hardware options and POS feature tiers vary. Shopify POS and in-person processing are covered on Shopify's retail and POS pricing pages — verify current hardware and plan options directly.
Shopify Payments is available in several countries beyond the United States, including Canada, the United Kingdom, Australia, and many European countries. Supported countries, currencies, and payment methods vary by region. Verify current geographic availability on Shopify's supported countries page before building your store around Shopify Payments.
These providers share relevant characteristics such as merchant type, industry fit, pricing model, or approval complexity.
Online businesses, SaaS, and marketplaces that want API-first payments and recurring billing.
Providers shown here share relevant characteristics derived from public research — merchant type, industry fit, pricing model, or approval complexity. ProcessorFit does not sell placement. Providers cannot purchase placement in this section. Learn about our methodology.
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