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12 Best Payment Provider For Shopify In 2024

A payment provider is a service that facilitates electronic transactions between buyers and sellers. It acts as an intermediary, allowing businesses to accept payments via credit cards, debit cards, and other electronic payment methods. 

Shopify Payment Provider refers to the various payment gateway options that integrate with Shopify, an e-commerce platform. Shopify itself offers a built-in payment solution called Shopify Payments. In addition to Shopify Payments, Shopify supports numerous third-party payment providers, such as PayPal, Stripe, and others. 

In this blog post, we will explore the top 12 best Shopify payment providers. Read on to discover the most suitable Shopify payment provider for you.

In this blog post, we will explore the top 12 best Shopify payment providers. Read on to discover the most suitable Shopify payment provider for you.

5 Most Important Things to Consider Before Choosing a Payment Provider for Shopify 

Evaluating Payment Processing Fees

Before settling on a specific payment provider, it’s crucial to assess the processing fees associated with various transaction types. Consider the following factors:

Variety of Payment Methods: Evaluate the fees for different payment methods, taking into account potential variations.

Customer’s Issuing Bank: Keep in mind that certain banks, such as American Express, may entail higher fees.

International Transactions and Currencies: Assess the fees associated with processing international payments and currencies.

Even minor fees can accumulate significantly over time. For instance, if your annual trade volume through the gateway is $50,000, a 2.4% fee would amount to $1,200 in transaction costs. Opting for a little higher fee of 3.49% would mean an additional cost of $545 for payment processing throughout the year.

Diverse Payment Methods

It’s important to cater to diverse consumer choices to minimize cart abandonment and maximize sales opportunities. Consider integrating a gateway that supports various payment options, including:

– Credit or Debit Cards

– Mobile Wallets

– Buy Now, Pay Later Options

Certain payment methods enjoy more popularity in specific regions. For instance, in China, ensuring compatibility with WeChat payments is crucial, considering that approximately 920 million individuals in the country utilize this method for online purchases.

Ensuring Payment Security

Security remains important when dealing with sensitive financial information. Ensure that your selected payment provider adheres to PCI DSS compliance standards and incorporates robust security measures such as encryption and tokenization. These industry benchmarks not only safeguard your data but also protect your customers’ sensitive information during online transactions.

Seamless Integrations

Simplify your business operations by selecting a payment provider that seamlessly merges with your existing technology stack. This includes:

– Your ecommerce platform

– Point-of-sale software for in-person sales

– Inventory management systems

– Subscription management applications

– Accounting software

– Analytics tools

By opting for compatible integrations, you alleviate the burden of manual integration tasks and streamline your workflow.

Reliability Matters

Reliability is crucial to ensure uninterrupted business operations. Prior to finalizing your choice of payment gateway, review their uptime performance reports. A higher uptime percentage signifies better reliability.

Persistent technical issues with your payment gateway not only result in financial losses but also lead to a negative customer experience. A single poor experience can drive away potential customers, as evidenced by the fact that 86% of individuals will abandon a trusted brand following an unsatisfactory encounter.

Enhancing Customer Interaction

The quality of customer engagement with your payment gateway significantly impacts their likelihood to finalize purchases and maintain loyalty to your brand over time.

An optimal checkout experience encompasses:

– Embracing diverse payment options to accommodate various customer preferences.

– Ensuring seamless performance across all devices, transiting desktop computers, mobile phones, and tablets.

– Collaborating with a reputable payment gateway provider that customers recognize and trust.

– Incorporating security and trust indicators, like PCI DSS compliance logos, to instill confidence in customers.

– Providing dependable and responsive customer support to address any inquiries or issues that arise during the checkout process promptly.

10 Best Payment Provider for Shopify Stores

Here is a quick comparison table for the 12 best payment providers for Shopify stores:

Payment Provider Fees Best For Rating
Shopify Payments 2.9% – 2.4% + 30¢ per transaction Shopify merchants 4.8/5
PayPal 3.49% + 49¢ per transaction Businesses with a global customer base 4.5/5
Stripe 2.9% + 30¢ per transaction Merchants offering subscriptions 4.4/5
Amazon Pay 2.9% + 30¢ per transaction Leveraging Amazon’s brand for customer trust 4.3/5
Klarna 2.49% + 25¢ per transaction Offering flexible payment options 4.3/5
Authorize.net $25/month + 10¢ per transaction Retailers with a Visa merchant account 4.3/5
Verifone (2Checkout) 3.5% – 6.0% + 35¢ – 60¢ per transaction Flexible payment solutions with fraud protection 4.2/5
Adyen 3% – 12% + 13¢ per transaction Large online businesses 4.4/5
Worldpay 0.75% – 2.75% per transaction Handling significant international payments 4.3/5
Square 2.9% + 30¢ per transaction Small businesses 4.5/5
Shop Pay 2.9% – 2.4% + 30¢ per transaction Minimizing checkout friction 4.7/5
Skrill 1.9% per transaction Businesses within Europe and the EU 4.4/5

This table summarizes the key details and ratings for each payment provider, making it easier to compare them at a glance.

1. Shopify Payments

Best Payment Gateway For Shopify

Shopify Payments is Shopify’s built-in payment provider. It enables e-commerce vendors to address both online and in-person charges through only one platform. It is connected to the Payment Card Industry Data Security Standard (PCI DSS), which guarantees the safety of client financial data.

This gateway provider integrates with various sales channels, authorizing costs through Facebook, Instagram, and Google. Shopify Plus merchants also benefit from lower cost fees when using Shopify Payments, increasing their overall profit.

Advantages of Shopify Payments

– No need for additional software to process online payments

– Competitive payment processing fees

– PCI DSS compliance for secure financial data handling

– Supports multiple payment methods, including credit cards, digital wallets, Shop Pay, buy now, pay later, and PayPal

– Handles international payments in local currencies

– Provides intuitive financial reporting tools within the Shopify dashboard

– 24/7 customer support

– Automatic deposits to your business bank account from your Shopify admin

Drawbacks of Shopify Payments

– Exclusively for Shopify merchants

– Additional fees for transactions through third-party payment gateways for non-Shopify Plus merchants


Shopify’s payment processing fees vary by plan, from 2.9% to 2.4%, plus a 30¢ fee per transaction.

Best for: Shopify merchants.

2. Paypal

Best Payment Gateway For Shopify

PayPal’s Payflow provider is a well-known option with no setup fees, making it accessible for online payment processing. Admitted globally, PayPal offers security programs for both buyers and vendors to prevent fraud. However, it tends to be more expensive than other payment gateway providers, especially for high-volume transactions.

Pros of PayPal

– Trusted and reliable service; the well-known brand can boost customer trust and conversion rates

– Invoicing capabilities

– Protection programs for buyers and sellers to mitigate fraud risks

– One-touch checkout enhances the customer experience

– Supports international payments in various currencies

– Customers can pay using funds in their PayPal account

– No setup fees

Cons of PayPal

– Requires a separate setup and checkout process

– Customer support can be lacking

– Additional transaction fees apply

– Higher transaction fees compared to other payment gateways

– Some merchants report unexpected account freezes and fund holds


PayPal charges a transaction fee of 3.49% plus 49¢. International transactions incur an additional 1.5% fee and a fixed fee based on the currency.

Best for: Businesses with a global customer base who use PayPal wallets.

3. Stripe

Stripe is a versatile payment gateway provider that assists merchants in abiding card payments. Known for its subscription billing abilities, such as invoicing and keeping card details for future pays, Stripe is a popular option among enterprises.

Unlike gateways tied to specific e-commerce platforms, Stripe offers flexibility and ease of integration with most websites and mobile apps. It supports credit card and mobile charges and is favored for its advanced customization options. However, it does require a higher level of technical profession to set up and manage. Stripe also offers invoicing, subscription management, and international commerce features.

Pros of Stripe

– PCI DSS compliant

– Customizable to enhance the branded payment experience

– Supports a wide range of countries and currencies

– Automatic currency conversion for international payments

– Subscription billing to handle recurring payments and securely store card details

– Comprehensive financial reporting tools

Cons of Stripe

– Requires significant technical knowledge for configuration and usage

– Support documentation is highly technical

– High chargeback fees if customers dispute their payments


Stripe charges a standard fee of 2.9% + 30¢ per dealing for card and wallet charges. Additional fees include 0.5% for manually entered cards, 1% for currency conversions, and 1.5% for international cards.

Detailed comparison: Shopify Payment Vs Stripe

Best for

Ideal for merchants offering subscriptions.

4. Amazon Pay

Best Payment Gateway For Shopify

Amazon Pay offers Shopify vendors an easy checkout experience for customers using their Amazon accounts. This allows customers to conduct transactions quickly without re-entering their shipping and billing data, assisting to lower cart abandonment rates and increase customer happiness. Nevertheless, it’s worth mentioning that charges can take a few days to get the seller account, which may not be ideal for businesses needing quick cash flow, particularly those with low-volume sales.


– Recognized and trusted brand name that can enhance customer loyalty

– Fast and easy checkout process that improves conversion rates

– Simple setup and integration


– Requires customers to have an Amazon account

– Does not support PayPal

– Risk of account shutdown by Amazon


Amazon Pay charges a processing fee of 2.9% + $0.30 per trade for household payments and 3.9% + $0.30 for international expenses. There are no setup or monthly fees associated with this payment manner.

Best for

Businesses looking to leverage Amazon’s brand recognition to improve conversion rates and customer trust.

5. Klarna

Best Payment Gateway For Shopify

Klarna offers a unique method to online transactions by allowing customers to buy now and pay later. This flexibility lets customers extend their payments over time, making it ideal for those who want to purchase items even if they don’t have the funds immediately available. By partnering with Klarna, your Shopify store can offer this payment option at checkout, guaranteeing you grasp sales that might otherwise be forgotten.


– Seamless integration with Shopify

– Offers flexible payment options for customers

– Low transaction fees

– Shopify merchants receive full payment at checkout


– Variable pricing for international transactions

– Flexible payment options may increase return rates due to impulsive purchases

– Slow customer support


Klarna doesn’t charge joining or monthly fees, only per transaction. For payments received from the United Kingdom, the fee is 2.49% + $0.25 per transaction. International transactions may have different pricing.

Best for

Shopify vendors who want to offer flexible pay options to customers and capture sales from those who might not have the funds at the time of purchase.

6. Authorize.net

Authorize.net, owned by Visa, is an excellent option for vendors needing compatibility with their Visa merchant accounts. This payment gateway syncs easily with your Visa merchant account, making payment process straightforward.

Pros of Authorize.net

– High uptime rates ensure reliable service

– User-friendly interface, perfect for non-technical merchants

– Accepts a wide range of payment manners including credit and debit cards, checks, PayPal, and Apple Pay

– Advanced fraud detection features to prevent dishonest transactions

– Allows for sending invoices through the same payment gateway

– Customizable payment forms

Cons of Authorize.net

– Requires a monthly subscription

– Interface appears outdated compared to other payment gateways


Authorize.net’s pricing differs based on whether you use just the payment provider or also include its merchant account. For the payment gateway alone, there’s a $25 monthly subscription fee plus a 10¢ per transaction fee and a 10¢ daily batch fee.

Best for

Retailers with a Visa merchant account looking for a reliable and user-friendly payment gateway.

7. Verifone (Formerly known as 2Checkout)

Best Payment Gateway For Shopify

Verifone offers a flexible pay solution where you can pick and pay for only the features you require, setting it apart from different alternative payment manners on Shopify. With a robust fraud prevention system in place, Verifone ensures the safety of your business and your customers, guarding against dishonest activities. Additionally, its user-friendly interface simplifies trade management, allowing you to focus on business growth.


– Global reach

– Seamless integration with Shopify

– Robust fraud detection system


– Transaction fees vary.


Verifone offers four subscription-based pricing plans:

– 2Sell: Charges 3.5% + $0.35 per successful transaction.

– 2Subscribe: Charges 4.5% + $0.45 per successful sale.

– 2Monetize: Charges 6.0% + $0.60 per successful sale.

– Custom pricing is available.

Best for 

Businesses seeking a flexible payment solution with customizable features and robust fraud protection.

8. Adyen

Best Payment Gateway For Shopify

Adyen’s Scalable Payments Provider is more than just a payment solution, it’s a global omnichannel enablement platform. With flexible integration and currency diversification, Adyen enables providers to process payments worldwide efficiently and conveniently.

Adyen meets the needs of businesses looking to grow their international sales network by providing the ability to accept payments from a variety of currencies. This is important for businesses that aim to expand globally and need flexibility in processing payments from customers around the world. With multi-channel support, Adyen helps businesses optimize online and offline sales processes, thereby providing a better shopping experience for users and increasing revenue for businesses.

Pros of Adyen

– Supports numerous payment options, including digital payments, local payment methods, and all major credit cards

– Provides omnichannel support for taking payments across multiple regions through a single integration, both online and offline

– Offers 24/7 customer support

– Enables the creation of branded physical and digital cards

– Allows businesses to create a test account before committing

– Features an AI-powered risk analysis system to safeguard against fraud

– Supports subscriptions and recurring payments

– Processes secure transactions anywhere, using tokenization for online, mobile app, and in-store payments

– Fixed payment processing fees for each payment method

– Customizable dashboard to track payments across all channels

Cons of Adyen

– Not ideal for smaller online businesses

– Limited customization features

– Pricing model is more complex compared to other payment gateways


Adyen doesn’t charge monthly fees, but the payment gateway cost varies based on the customer’s issuing bank, ranging from 3% to 12%, plus a 13¢ fee per transaction.

Best for

Large online businesses looking for a robust and flexible payment solution.

9. Worldpay

Best Payment Gateway For Shopify

WorldPay, a comprehensive payment service provider, has designed and provided a dedicated payment gateway to support international transactions efficiently. The ability to connect with many different global banks and partners is one of the special and attractive elements of WorldPay for merchants and businesses who want to expand their operations into international markets.

WorldPay’s payment gateway is not simply a tool that allows online buying and selling transactions, but also a comprehensive solution that helps businesses manage and process payment accounts from all over the world in one way. 

By providing payment gateways capable of meeting international standards and strong connections with global banking systems and partners, WorldPay is not only a trusted partner but also a preferred choice. for businesses that want to expand and develop international business relationships in a sustainable and effective way.

Pros of WorldPay’s Payment Gateway

– Suitable for businesses of all sizes

– Highly customizable and flexible

– Robust security features, including OmniShield, to protect payment data

– Supports over 300 payment methods and multiple currencies

– Connects with numerous global banks and payment partners for seamless international transactions

– 24/7 customer support

– No monthly subscription fee

Cons of WorldPay’s Payment Gateway

– Lack of transparent pricing information for certain card networks like American Express and Discover


WorldPay’s transaction fees vary depending on the payment approach used by the customer, typically ranging between 0.75% and 2.75%.

Best for

Merchants handling a significant volume of international payments.

10. Square

Best Payment Gateway For Shopify

Since 2009, Square has established itself as a trusted payment processor in the United States, providing solutions for vendors to accept online and offline revenue information through platforms such as Shopify. Square’s extension on the Shopify App Store makes it easy for users to track and manage money from the Square dashboard.

Square cam ensures the safety of user transactions by handcrafting PCI (Payment Card Industry) standards and applying end-to-end encryption. This helps protect customer payment information effectively. Notably, Square offers fast payments by processing fees and transferring funds to the seller’s account within two business days.

Thanks to its strong streamlining and safety features, Square has become the preferred choice for many businesses and retailers, especially in today’s fast-growing e-commerce era. Square’s technology not only simplifies the payment process but also ensures high security, thereby providing user ideas and sustainable development of the e-commerce platform.


– User-friendly interface

– Affordable pricing with a range of features ideal for small businesses

– Reliable customer support


– May not be suitable for larger enterprises with more complex requirements


Square costs a transaction fee of 2.9% + $0.30. For more features, a premium plan is available for $12 per month.

Best for

Small businesses looking for an easy-to-use and affordable charge processing solution.

11. Shop Pay

Best Payment Gateway For Shopify

Shop Pay, only to Shopify merchants, streamlines the checkout process by storing charge and shipping details for quicker transactions. Notably, it offers carbon-neutral shipping, appealing to environmentally mindful customers. Moreover, Shop Pay presents a buy now, pay later feature, allowing customers to pay in full at checkout or in four installments for dealings ranging from $50 to $3000, without extra fees, interest rates, or late fines.


– Expedited checkout

– Seamless Shopify integration

– Absence of extra charges


Limited in terms of available payment methods and susceptible to payment provider fees.


Shop Pay collaborates with Shopify Payments, charging 2.9% + $0.30 per transaction for Basic Shopify, 2.6% + $0.30 for Shopify, and 2.4% + $0.30 for Advanced Shopify plans.

Best for

Merchants who seek to minimize checkout friction and offer flexible payment options without incurring additional fees

12. Skrill

Best Payment Gateway For Shopify

Skrill ranks as the top choice in several countries, including Russia, Iran, Belarus, Kazakhstan, and 8 others. It also stands out as the leading performer among the Top 10K Sites.

Skrill serves as a payment processor enabling users to make purchases without divulging their credit card details to the seller. Instead, they can utilize their Skrill account, linked to their credit card or bank account, for payments.

As a secure and dependable method, Skrill allows Shopify merchants to accept payments while providing customers with a straightforward payment option, eliminating the need to share credit card details.

Through its Skrill payment gateway, users can accept payments using debit cards, credit cards, and various alternative payment methods globally.

Integrated seamlessly with Shopify, Skrill offers a user-friendly payment system that is quick to set up, granting access to the latest features, thereby enabling merchants to commence accepting payments within a short timeframe.


  • Skrill offers payment with relatively low fees.
  • Supports multiple locations and currencies.
  • Facilitates usage across different languages, enhancing accessibility for non-English speakers.
  • Provides an average business account management system.


  • Skrill’s user interface may be sluggish and overly complex at times.
  • Localization and language issues may arise, with some concepts appearing inadequately translated.
  • Clarity regarding what an e-wallet entails may be lacking for potential users.

Pricing: 1.9% fee for checkout transfers

Best for: If you’re primarily operating within Europe and the EU, Skrill emerges as the preferred payment option due to its widespread popularity in the region. Additionally, it is utilized in over 40 other countries.


Selecting a payment provider for your online enterprise is an important choice. It not only impacts your customer experience but also affects your profit margins due to payment processing fees.

If you’re currently operating your business through Shopify, opting for the platform’s native payment gateway is an obvious choice. You eliminate the need to seek out a third-party provider compatible with your store or compare payment processing fees. With Shopify, you can manage everything seamlessly in one location.

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