What is Shopify Payments?

Shopify's built-in payment processor — accept credit cards directly through Shopify without a third-party.

Do I need a separate payment processor?

No — Shopify Payments handles card payments; you can add PayPal or others as alternatives.

Are there extra fees with Shopify Payments?

No extra transaction fees on top of your plan — just the processing rate for each card transaction.

How fast are Shopify Payments payouts?

Typically 2-3 business days to your bank account, depending on your country.

Is Shopify Payments available everywhere?

No — it's available in many countries but not all; check Shopify's supported countries list.

Glossary Term

S

Shopify Payments

Shopify's built-in payment processor — accept cards with no extra fees or setup.

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Key Takeaways
Shopify Payments is Shopify's built-in payment processor.
It lets you accept cards directly without a third-party processor.
No extra fees on top of your Shopify plan.
It supports cards, Apple Pay, Google Pay, and Shop Pay.
It's the default and easiest way to accept payments on Shopify.

Overview

Shopify Payments is Shopify's built-in payment processor — it lets you accept credit cards directly through Shopify, without needing a third-party processor like Stripe or PayPal. It's the default payment method for most Shopify stores and is managed entirely within the admin.

Shopify Payments is simple and integrated. No separate account, no extra fees on top of Shopify's plan, and payouts go straight to your bank. It supports all major cards, Apple Pay, Google Pay, and Shop Pay — and it's the easiest way to start accepting payments on Shopify.

Shopify Payments pairs with payment gateway (the broader concept), transaction fees (what you pay), and express checkout (a feature it enables). It's the default payment processor.

1

Why Shopify Payments Matters for Merchants

1
No Extra Fees
No third-party fees on top of your plan — Shopify Payments users avoid transaction fees.
2
Simple Setup
Set up in minutes — no separate account or complex integration.
3
Integrated
Everything in one dashboard — orders, payouts, and chargebacks all in Shopify admin.
4
Fast Payouts
Money goes to your bank on a regular schedule — usually every 2-3 business days.
5
Shop Pay
Enables Shop Pay — Shopify's accelerated checkout that boosts conversion.

2

Getting the Most from Shopify Payments

1
Enable Shop Pay
Shop Pay speeds up checkout — a major conversion booster for returning customers.
2
Accept all cards
Enable Visa, Mastercard, AMEX, and Discover — don't limit your customers.
3
Enable Apple/Google Pay
One-tap mobile payments boost mobile conversion significantly.
4
Monitor chargebacks
Watch chargebacks in admin — high rates can risk your account.
5
Check eligibility
Shopify Payments isn't available in all countries — check if your country is supported.