Choosing the right payment method on Shopify can make or break your store’s success. With so many options out there, how do you pick the best one? In this guide, we break down the 5+ best Shopify payment methods for 2025, comparing fees, features, and everything in between so you can find the perfect fit for your business. Let’s get those sales rolling!

Read more:

• Best Payment Gateways for Shopify (for Dropshipping, US, UK, India, Australia)
• Top 7 Shopify Payment Apps You Should Not Miss
• Shopify Basic Plan Review 2024: Pricing, Features, & Benefits

Key Features to Consider When Selecting Payment Methods

Before diving into the best payment method for Shopify, here are some key features you should look for:

• Transaction Fees: Keep an eye on extra fees that could affect your profits. 
• Security: Ensure the payment method has top-notch security to protect your customers. 
• Compatibility: Check if the payment gateway integrates smoothly with Shopify and your target country. 
• Payout Speed: Faster payouts mean better cash flow for your business. 
• Customer Support: Reliable support can save you headaches if something goes wrong.
• User Experience: Easy checkout = higher conversion rates.

A Quick Comparison Among Shopify Payment Methods

Let’s cut through the noise! Below is a quick comparison of the 5+ best Shopify payment options. 

Feature	Shopify Payments	PayPal	Stripe	Authorize.Net	Amazon Pay	Apple Pay & Google Pay
Transaction Fees	2.4% – 2.9% + $0.30/ transaction	2.29% – 3.49% + fixed fee (may vary by country)	2.9% + $0.30/ transaction (may vary by country)	2.9% + $0.30/ transaction	2.9% + $0.30/ transaction	None
Availability	Limited to certain countries (e.g., US, UK, CA, AU)	Over 200 countries	45+ countries, mainly US, EU, and APAC regions	Primarily available in the US, Canada, UK, Europe	Available in select countries, mainly US, EU	Available in many countries, but depends on device and region
Setup	Shopify integration	Shopify integration	Shopify integration	Requires accountManual Shopify integration	Requires account Quick Shopify integration	Shopify Payments integration
Best for	Shopify store owners looking for an all-in-one solution	Stores targeting a global audience, especially beginners	Stores with international customers and subscription-based models	Established businesses with higher sales volume looking for more control	Stores targeting existing Amazon customers for quick checkouts	Stores looking to speed up mobile checkouts and improve user experience
Pros	No extra transaction feesSeamless integration	Widely recognized and trusted Supports multiple currencies	Advanced customization No extra Shopify transaction fees	Robust fraud protection Reliable customer support	Trusted brand Supports voice payments (Alexa)	Fast, secure, and mobile-friendly One-tap checkout
Cons	Limited availability Higher transaction fees	Limited availability Complex for beginners	No extra transaction fees Seamless integration	Higher monthly fees Technical setup process	Limited availability Potential account holds	Limited to users with Apple or Google accounts Requires compatible devices

See more: 

• When Does Shopify Pay Me?
• Best Payment Gateways For Shopify

Best Shopify Payment Methods 

Shopify Payments

Shopify Payments is Shopify’s built-in payment gateway, making it incredibly convenient by eliminating the need for third-party services. From my experience, setting it up was effortless—just a few clicks, and it was ready to go.

Shopify Payments also supports multiple payment methods, including Apple Pay, Google Pay, and credit cards, giving customers the flexibility to pay however they prefer. If you’re already using Shopify, this payment solution is a no-brainer for a seamless and efficient setup.

Transaction fees

2.4% – 2.9% + $0.30 per transaction (depends on your Shopify plan)

Key features

• Fully integrated into Shopify
• No extra transaction fees if you use Shopify Payments exclusively
• Supports over 100 payment options, including Apple Pay and Google Pay
• Easy to manage refunds and chargebacks
• Real-time tracking of sales and payouts
• Automatic fraud analysis 
• Super fast payouts (as fast as two business days)

Pros & Cons

Pros

• No extra transaction fees if you stick with Shopify Payments
• Seamless integration with your Shopify store 
• Supports multiple payment methods

Cons

• Limited to certain countries
• Transaction fees are slightly higher than some third-party gateways
• Customer support can sometimes take a bit longer to resolve issues

PayPal

PayPal is one of the OG payment solutions and it’s trusted worldwide, which is why it’s usually my go-to when I set up new Shopify stores. It’s widely recognized, so customers feel comfortable using it. Plus, it’s super easy to link to your Shopify store—just sign in and connect your account. 

The best part? You can handle international transactions like a pro since it supports multiple currencies. If you aim for a global audience, PayPal is a no-brainer.

Transaction fees

2.29% – 3.49% + fixed fee per transaction (may vary by country)

Key features

• Supports multiple currencies
• Built-in buyer protection 
• Instant payments and quick access to funds
• Easy refund process with a single click
• Allows for recurring billing
• Easy integration with Shopify; just connect your PayPal account
• Flexible payment options (credit cards, bank transfers, PayPal balance)

Pros & Cons

Pros

• Trusted and recognized worldwide, great for building customer trust
• No monthly fees (unless you opt for PayPal Pro)
• Supports multiple currencies, making it perfect for global sales

Cons

• Additional fees for currency conversion 
• Occasionally freezes accounts for security checks
• Customer support can be slow and challenging to reach 

Stripe

One of the best Shopify payment methods, Stripe is an excellent choice for Shopify users who need advanced payment features and greater control over their checkout process. It allows for extensive customization, enabling businesses to create a seamless payment experience tailored to their brand.

With Stripe, you can accept a wide range of payment methods, including credit cards, debit cards, Apple Pay, Google Pay, and even international payment options. This flexibility makes it ideal for businesses that serve diverse markets or want to scale globally.

Another key advantage of Stripe is its robust developer tools, which allow integration with custom applications and advanced analytics. It also offers features like subscription billing, invoicing, and fraud prevention, making it a versatile solution for businesses with unique payment needs.

Transaction fees

2.9% + $0.30 per transaction (varies by country)

Key features

• Supports over 135 currencies
• Allows for recurring billing
• Built-in fraud detection and security tools
• Easy integration with Shopify with robust API support
• Flexible payment options, including Apple Pay and Google Pay
• Real-time analytics 
• Fast payouts (as quick as two business days in supported countries)

Pros & Cons

Pros

• Highly customizable and great for stores with complex payment needs
• No additional Shopify transaction fees if you use Stripe
• Excellent support for subscription payments and invoicing

Cons

• Limited availability (not supported in all countries)
• Can be a bit tricky to set up if you’re not tech-savvy
• Higher fees for some international cards and currency conversions

Authorize.Net

Authorize.Net is one of the oldest players in the payment processing game, making it a solid choice if you’re looking for something reliable and feature-packed. I’ve seen it work wonders for established stores that handle high transaction volumes. It’s not as beginner-friendly as Shopify Payments or PayPal since it requires a bit more effort to set up, but once it’s running, it’s smooth and secure. 

Transaction fees

2.9% + $0.30 per transaction

Monthly fees

$25 per month

Key features

• Advanced fraud detection suite to protect your transactions
• Supports multiple payment options, including credit cards, Apple Pay, and e-checks
• Recurring billing and subscription management tools
• Flexible payment options for in-person, online, and mobile sales
• Real-time reporting and analytics to track performance
• 24/7 customer support for troubleshooting and questions
• Secure data encryption to keep customer info safe

Pros & Cons

Pros

• Excellent fraud protection tools, making it ideal for high-volume stores
• Supports a variety of payment types beyond just credit cards
• Reliable customer support 

Cons

• Higher monthly fees compared to other payment gateways
• Setup process can be a bit technical for beginners
• Limited availability outside of major regions

Amazon Pay

Amazon Pay is a fantastic option for leveraging people’s trust in Amazon. I’ve tried it on a couple of Shopify stores, and it’s perfect for tapping into that huge customer base. The setup is pretty straightforward—just connect your Amazon Seller account, and you’re ready. 

Transaction fees

2.9% + $0.30 per transaction

Key features

• No extra monthly fees
• Supports multiple currencies
• Easily integrates with Shopify
• Supports voice payments via Alexa
• Built-in fraud protection backed by Amazon’s security systems
• Quick checkout process using customers’ existing Amazon accounts
• Real-time reporting and analytics for tracking sales and performance

Pros & Cons

Pros

• Leverages Amazon’s brand trust
• Fast, secure checkout reduces cart abandonment
• No additional Shopify transaction fees

Cons

• Limited to countries where Amazon Pay is supported
• Amazon branding can overshadow smaller stores’ identity
• Potential account holds, which could delay payouts

Apple Pay & Google Pay 

Apple Pay and Google Pay are game-changers that speed up mobile checkouts. Setting them up is incredibly simple since they’re already integrated with Shopify Payments. From my experience, it only takes a few clicks to enable them, and they instantly improve the checkout process.

For customers who prefer a mobile-first shopping experience, these options make buying quick and hassle-free. They also offer an added layer of security with fingerprint or face recognition, giving customers peace of mind while paying.

Transaction fees

No additional fees (use Shopify Payments or your existing payment gateway fees)

Key features

• One-tap checkout for faster, frictionless purchases
• Built-in security features like fingerprint and face recognition
• Integrated with Shopify Payments
• Supports multiple currencies
• Compatible with most modern devices (iPhones, Androids, tablets)
• Reduces cart abandonment by simplifying the checkout process

Pros & Cons

Pros

• Fast and seamless checkout, especially on mobile devices
• Enhanced security, reducing the risk of fraud
• Increases conversion rates by making payments super easy

Cons

• Limited to customers using Apple or Google devices
• Requires customers to have a compatible device and account
• May not be as popular in regions where mobile wallets aren’t widely used

Best Practices for Optimizing Payment Methods on Your Shopify Store

Optimizing your payment options is key to ensuring smooth transactions for you and your customers. Here are some best practices to ensure you get the most out of Shopify payment methods.

• Multiple Payment Methods: The more payment options, the better! When Shopify store owners added PayPal, Apple Pay, and credit cards, they saw an immediate conversion boost as customers had more choices.
• Ensure Security: Security is a must for customer trust. Shopify’s built-in payment gateways have kept their transactions safe, and their customers feel confident shopping.
• Test Your Payment Process Regularly: check that all payment methods work smoothly. A quick test ensures no issues during checkout, preventing potential sales losses.
• Use Shopify Payments for Lower Fees: Shopify Payments has saved a ton in transaction fees compared to third-party providers. I highly recommend it if you want to streamline payments and cut down on extra charges.

Bottom Line

Choosing the best Shopify payment methods is all about making it easy and secure for your customers to shop. By offering multiple options, prioritizing security, and testing regularly, you’ll create a smooth checkout experience that builds trust and boosts sales. So, take these tips and start transforming your checkout process today!

Best Shopify Payment Methods: FAQs

What payment methods does Shopify accept?

Shopify accepts a variety of payment methods! You can use credit/debit cards, PayPal, Apple Pay, Google Pay, Shopify Payments (their in-house option), and even manual payments like bank transfers. The more options you provide, the better for your customers.

Is UPI available in Shopify?

Yes, UPI (Unified Payments Interface) is available on Shopify, especially if you sell to customers in India. It’s a quick and easy way to pay using smartphones—perfect for customers who prefer local payment methods.

What is the most used payment method on Shopify?

Shopify Payments is the most popular method! It’s easy to set up, and Shopify users love the lower fees and smooth integration with their stores. However, PayPal and credit cards are also pretty big players.

How to receive payments on Shopify?

Receiving payments on Shopify is super simple. Once you set up your payment method (like Shopify Payments, PayPal, etc.), you’ll get paid directly to your bank account. Just make sure everything’s connected, and you’re good to go!