Is Shopify a Payment Processor

Is Shopify a Payment Processor?

5 mins

Shopify is a platform that allows businesses to create an online store. It offers users a customizable platform, an easy-to-use checkout process, and a wide range of features. 

Shopify also provides users with the ability to accept payments through a number of different payment processors.

While Shopify itself is not a payment processor, it does provide businesses with the tools they need to accept payments online.

In order to accept payments, you will need to sign up for a payment processor such as Stripe or PayPal.

What are the Payment Gateways of Shopify?

There are three major payment gateways that Shopify supports: PayPal, Stripe, and

Each gateway has its own strengths and weaknesses, so it’s important to choose the right one for your business.



PayPal is one of the most popular payment processors in the world, and it’s integrated seamlessly with Shopify. 

It’s easy to set up and use, and it’s suitable for businesses of all sizes. One downside of PayPal is that it charges a fee for each transaction, which can add up over time.


Stripe is another popular payment gateway that’s often used by small businesses. 

It has no setup fees and no monthly charges, so it can be a cost-effective option for businesses that don’t process a lot of transactions. 

However, Stripe doesn’t offer as many features as some of the other gateways, so it might not be the best choice for businesses that need a more robust solution. is a bit more expensive than the other two options, but it offers a lot of features that can be beneficial for businesses that need to process a lot of transactions.

For example, it offers fraud protection and recurring billing, which can be helpful for businesses that sell digital products or services. also has an API that allows developers to create custom integrations.

Is Shopify a Merchant Card Processor Account?

Shopify is a merchant card processor account that offers businesses a way to create an online store. 

Shopify also functions as a credit card processor with Shopify Payments. Businesses can use Shopify to create an online store and then use Shopify Payments to process credit card payments. 

This allows businesses to accept credit card payments without having to set up a separate merchant account. Shopify offers a variety of features that make it a good choice for businesses that want to accept credit card payments. 

These features include the ability to create a custom online store, the ability to process credit card payments, and the ability to integrate with other software platforms.

How is Shopify Payments Processed?

Shopify Payments is a payment processing service that allows Shopify merchants to accept credit card payments online, in-store, and via invoicing. 

There are no set-up fees or monthly fees with Shopify Payments, and merchants only pay transaction fees when they make a sale. 

Shopify Payments is powered by Stripe, a leading payment processor that powers payments for thousands of online businesses.

When a customer makes a purchase from a Shopify store using Shopify Payments, the order details are sent to Stripe where the payment is processed. 

The funds are then transferred to the merchant’s bank account within 2-3 days. 

To start using Shopify Payments, merchants simply need to add their bank account information to their Shopify settings.

Once everything is set up, they can start accepting payments right away!

Does Shopify Send Payments?

Yes, Shopify does send payments. You can receive payments through Shopify Payments, which is available in select countries, or through a third-party provider. 


To get started, you’ll need to set up your payment gateway and choose your preferred payment method.

How to Add a Payment Processor on Shopify?

Adding a payment processor to Shopify is a simple and straightforward process. In just a few clicks, you can be up and running and accepting payments from customers. Here’s how to do it:

Step-1: Log in to your Shopify account and go to the “Settings” page.

Step-2: Under the “Payment providers” section, click “Add provider.”

Step-3: Select the payment processor you want to use from the list of options.

Step-4: Enter your account details for the selected payment processor.

Step-5: Click “Save.”

That’s all there is to it! Once you’ve added your payment processor, you can start accepting payments from customers. 

Shopify Payment Countries

If you’re looking to set up a Shopify store and want to know which countries you can accept payments from, look no further!

Shopify is available in over 175 countries and counting, and our payment gateway is available even more!

That means that whether you’re just getting started with your online store or are looking to expand into new markets, we’ve got you covered. 

Here’s a list of all the countries where Shopify Payments are currently available: 

  • Australia
  • Austria Belgium Canada
  • Denmark Finland France
  • Germany Hong Kong SAR China Ireland
  • Italy
  • Japan Liechtenstein 
  • Luxembourg Mexico 
  • Netherlands 
  • New Zealand 
  • Norway 
  • Poland 
  • Portugal
  • Singapore 
  • Spain 
  • Sweden 
  • Switzerland 
  • Taiwan 
  • United Kingdom
  • United States of America Uruguay 

If you don’t see your country on the list, don’t worry, they’re constantly expanding our reach and adding new countries all the time. 

So be sure to check back often to see if Shopify Payments are now available in your country!

Shopify Payment Gateway USA

If you’re a Shopify merchant in the United States, you have several options when it comes to choosing a payment gateway.

Here are the most popular payment gateways in the USA:

The first option is PayPal. PayPal is one of the most popular payment processors in the world and offers a variety of features that make it a great choice for Shopify merchants.

One of the biggest advantages of using PayPal is that it’s widely accepted by shoppers. 

Additionally, PayPal offers fraud protection and dispute resolution services that can save you time and money if something goes wrong with a transaction.

Another popular option for Shopify merchants in the US is Like PayPal, is also widely accepted by shoppers and offers robust fraud protection features. 

Additionally, offers some unique features like recurring billing and tokenization which can be helpful for certain types of businesses.

Lastly, we have Stripe. Stripe is a newer player in the online payments space but has quickly become a favorite among Shopify merchants due to its simple pricing structure and easy-to-use interface. 

Additionally, Stripe supports ACH payments which can be helpful for businesses that want to accept bank transfers from their customers (such as invoices).

Bottom Lines

Shopify is not a payment processor, but it can help you accept payments on your website. 

Shopify is an ecommerce platform that allows you to create an online store. You can use Shopify to sell products and services online.

If you want to accept payments on your website, you will need to sign up for a payment processor. 

There are many payment processors available, and each has its own fees and features. You will need to choose the right payment processor for your business.


Michael Fied

founder of and SpamBurner

Michael Fied is the founder and CEO of and SpamBurner. In addition, he’s an internationally top-rated and award-winning website advisor and website architect with a global team of 55. You can find Michael on LinkedIn or contact him directly here.

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