What is an XP payment gateway in Shopify?

A payment gateway option for processing card payments securely at checkout — an alternative to Shopify Payments.

Should I use XP or Shopify Payments?

Start with Shopify Payments — no platform fee, easy setup. Consider XP if you need specific features or better rates for your volume.

How do payment gateways work?

They authorize card payments, check for fraud, and transfer funds — taking a fee per transaction.

What fees do payment gateways charge?

Typically 2.4-2.9% + 30¢ per transaction — varies by gateway and card type.

Can I use multiple payment gateways?

Yes — Shopify lets you offer multiple gateways, letting customers choose or routing by type.

Glossary Term

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XP Payment Gateway

A payment gateway option — processing card payments securely at checkout.

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Key Takeaways
An XP Payment Gateway is a payment gateway option for card payments.
It authorizes and processes payments securely at checkout.
On Shopify, you can use Shopify Payments or third-party gateways.
Gateways charge a fee per transaction.
Choosing the right gateway affects fees and checkout experience.

Overview

An XP Payment Gateway is a payment gateway option for processing card payments securely at checkout. On Shopify, you can use Shopify Payments (the default) or third-party gateways like XP. Gateways authorize and process payments, taking a fee per transaction.

Gateways enable payments. Without a payment gateway, you can't accept cards — the gateway authorizes the payment, checks for fraud, and transfers funds. Choosing the right gateway (or using Shopify Payments) affects fees, supported cards, and checkout experience.

XP payment gateway pairs with payment gateway (the general concept), shopify payments (the default), and transaction fees (the cost). It's a payment and checkout tool.

1

Why Payment Gateways Matter for Shopify Merchants

1
Enable Payments
Gateways let you accept cards — essential for most stores.
2
Security
Gateways process payments securely — protecting customer data.
3
Fraud Prevention
Gateways check for fraud — protecting you from chargebacks.
4
Global Support
Some gateways support more countries and cards — global selling.
5
Fee Impact
Gateway fees affect margins — choose wisely.

2

Choosing a Payment Gateway

1
Start with Shopify Payments
Shopify Payments is the default — easy setup, no platform fee, good rates.
2
Compare fees
Compare rates from Shopify Payments, XP, Stripe, PayPal — choose the cheapest for your volume.
3
Check supported cards
Ensure the gateway supports the cards your customers use — Visa, Mastercard, Amex.
4
Check countries
If selling internationally, ensure the gateway supports your target countries.
5
Consider checkout experience
Some gateways offer better checkout experiences — smoother conversion.