Glossary

    Shopify Payments

    Shopify Payments is Shopify's built-in payment service. It processes credit cards, Apple Pay, Klarna and other payment methods directly in the store, without an external payment provider.

    Shopify Payments is natively integrated into the admin and checkout: payouts, fees, refunds and chargebacks are all managed inside Shopify. It supports the usual payment methods, including credit cards, Apple Pay, Google Pay and Klarna, plus additional local options depending on the market. Shop Pay, the accelerated checkout, requires Shopify Payments.

    The economic core point: with Shopify Payments, the additional transaction fees Shopify charges per order when you use an external payment provider do not apply. For most merchants that makes Shopify Payments the cheapest and simplest option, complemented by PayPal, which can run alongside it.

    Worth checking are payout cycles, business verification requirements (KYC) and the industries excluded from Shopify Payments. In those cases, or when negotiating special rates at high volume, an external PSP like Adyen or Mollie can make sense, with Shopify's transaction fee factored into the calculation.

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    Frequently asked questions about Shopify Payments

    How much does Shopify Payments cost?

    Fees run at roughly 1.5 to 3 percent per transaction plus a fixed amount, depending on plan and payment method. In return, the additional Shopify transaction fee charged with external payment providers does not apply.

    Can I offer PayPal alongside Shopify Payments?

    Yes. PayPal runs in parallel with Shopify Payments and is practically mandatory as an additional payment method in many European markets.

    Related terms

    • Transaction Fees

      Transaction fees are per-order costs. On Shopify, they apply on top of payment fees whenever an external payment provider is used instead of Shopify Payments.

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    • Payment Service Provider (PSP)

      A payment service provider (PSP) handles the technical processing of online payments: it connects your store with payment methods such as credit cards, PayPal, Klarna or Apple Pay.

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    • Checkout

      The checkout is the final purchase flow of an online store: every step from cart handover through address entry and payment selection to the order confirmation.

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    Niclas Eckert - Founder of NICCOS & technical Shopify consultant

    Niclas Eckert

    Founder of NICCOS & technical Shopify consultant

    Niclas Eckert has worked with Shopify for eight years, built his first online store at 16 and advises from a deeply technical founder perspective.

    8 years Shopify600 projects total150 with NICCOS
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