Shopify Payment Gateways For Your Online Store


Shopify Gateways


Ways of purchasing are developing quite fast so now online shopping is a daily routine. Payment gateways or online payment processors simplified this procedure and became essential tools for every online store. Nowadays, the number of payment gateways and their smooth work defines the conversion rates of the e-commerce business and highly influences the income. The existence of hundreds or even thousands of variants make e-commerce store owners worry and hesitate in their choice. Today we will help you to make the right choice.

What is Shopify Payment Gateway

Shopify focused on conducting multi-channel trading through online stores, mobile applications and social networks, and payment systems help her with this. A payment gateway is a software complex that allows you to automate the process of accepting payments on the Internet. The gateway is developed by the payment system, which is responsible for its support and defines the specification. Payment gateways help a customer to purchase via credit card and provide personal data check to perform it. The payment gateway protects the card data by encrypting the customer’s confidential data, such as the card number.

How Does Shopify Payment Gateway Work?

Despite of variety of payment gateways and their difference, all of them have a basic algorithm of work. A payment gateway consists of several compulsory steps where a customer needs to perform specific actions:

  • The buyer enters the payment details / payment data through the web interface.
  • Information about the details of the transaction is transmitted to the payment gateway, the payment gateway sends it to the acquirer bank.
  • The acquiring bank sends an information (authorization) request to the payment system (Mastercard, VISA, others).
  • In case of receiving a request for authorization, the bank-issuer returns an authorization code that allows the payment system to complete the transaction.
  • This code is returned to the payment gateway, and from there – a report to the seller with the result of authorization.
  • If the authorization is successful, the transaction is considered complete, the merchant can provide a service or ship the goods. Funds will be debited from the payer’s card and reimbursed to the merchant’s account.


Since all payment services work with customer data and operate with huge amounts of electronic money, security of the appropriate level is important. Payment technologies use the latest cyber security techniques.

Payment Gateways for Shopify Stores by Country

Shopify platform offers hundreds of payment gateways in different countries so it’s up to you what to choose. Mostly, e-commerce store owners use the services which are quite popular in their regions but also there is a number of worldwide famous payment systems which must be implemented into the store.


PayPal as a payment service is an integral part of online trading. It is a common payment method for transactions on the Internet, along with bank transfers from a debit or credit card.

  • Easy to handle

 To pay for purchases online, you only need your email address and password. This allows you to log into your PayPal account and verify your billing information.

  • Fast transactions

 After you make the payment, PayPal immediately informs the seller and transfers the amount to him. And the seller can immediately send the order.

  • Secure

PayPal doesn’t transmit to the recipient any information about bank accounts or credit cards. The seller does not need this data, because payment will appear in his PayPal account in the same way, and from there it can already be transferred to a bank account.

Transaction fees: from 3.4% to 1.9% + 30c per transaction based on total number of sales.

Amazon Pay

This is a payment service which was created by a famous company Amazon to simplify purchases on the site.

  • Easy to purchase

To place an order and pay for it, the customer doesn’t need to fill in his/her card details, but need to remember the credentials for and log in.

  • Secure for customers

Each user has the opportunity to create up to 50 complaints regarding their transactions, the maximum amount of compensation is $ 2,500, including shipping costs.

  • Easy to register

Service provider offers a simple registration mechanism, moreover, if you have already bought something on Amazon, then you are automatically a client of this service.

Transaction fees: from 3.9% to 5% + 0.30$ for authorisation.


Stripe offers a clear commission policy with payment for successful transactions from users around the world and the ability to withdraw funds to an account in US or Canadian banks not only with companies, but also with individuals.

  • No need to register

With Stripe you don’t need to register in the service, the only condition is a debit or credit card of Visa, MasterCard, American Express, Discover, Diners Club or JCB.

  • Secure

Stripe payment gateway doesn’t store personal data and credit card sensitive details on the server. The service takes security seriously.

  • Stable

It has clear self-documenting code and really easy to utilize, so developers can fix any bugs or problems quickly and without any downtime.

Transaction fees: from 3.4% to 1.9% + 30c per transaction based on total number of sales.

What is the Best Payment Gateway for Shopify

When planning to start an e-commerce business, you will inevitably come across the question: “Which payment system to choose for an online store?”. We are here to help you with providing the most crucial points to pay attention to.


You need a payment gateway that provides the ability to make secure payments for your customers. And note that displaying safe logos is a powerful tool. More than 80% of consumers feel safe seeing the logos of the trustworthy payment acceptance services used on the site.


For transactions conducted on behalf of your company, you will have to pay a commission. Therefore, pay attention to the cost of services of the selected payment gateway. These fees may include transaction fees, statements, money back, account maintenance, customer fees for using a particular payment method.

Possible payment methods

The easier it is for customers to pay for an order, the more likely they are to make it. Using the payment gateway on the site, which provides a wide selection of payment methods, you increase your sales.


It is also important how the selected payment acceptance service is integrated into your current platform, both from a technical and a design point of view.

Payment Form Location

Some payment gateways allow customers to make payment transactions directly on their site, while others lead users to another site to complete the order. Some payment gateways provide an API that is implemented directly on your site, while others redirect visitors to third-party services. Think which of them will provide the best user experience for your customers. If customers trust your site, they won’t mind additional redirects.

How to Setup Shopify Payments?

You don’t need to be a Shopify pro to set up Shopify supported gateways. Follow these steps to do it successfully:

  1. Enter the start point which is Shopify dashboard and click on the Settings button;
  2. Find the Payment providers button, click on it and choose the Add a provider section;
  3. Turn on Shopify payments and click on the Continue button;
  4. Find the Complete account setup button in Shopify payments section and click on it;
  5. Fill in the required data and click on the Complete account setup button.

That’s it! Now you have Shopify payments set up in your Shopify store.

How to Integrate a Payment Gateway in Shopify

If you need to have a third-party payment services in your Shopify store, you don’t need to integrate them. Shopify has already become a trusted partner of a great number of third-party payment gateways so the procedure of its settlement will be almost the same as Shopify payments one:

  1. Enter the start point which is Shopify dashboard and click on the Settings button;
  2. Find the Payment providers button, click on it and choose the Add a provider section;
  3. In the Change a provider drop list you should choose the Third-party credit card provider section. There will be a list of payment gateway providers in different countries, you can choose the desirable one;
  4. Fill in the personal data in the form and click on the Activate button.

Congrats! You have successfully set up third-party payments in your Shopify store.

Why You Need a Custom Payment Gateway Integrated With Your Shopify Store?

The great news is that Shopify allows store owners create and integrate their own payment gateways. Many business owners choose this option because of the opportunity to play the game with self-made rules. Custom payment gateways help to save money on transaction fees, add features and functions according to your own business requirements and demands. If it won’t satisfy your needs, you can sell it via payment gateway marketplaces and still rise money on it. Multi-Programming Solutions can speak up about the benefits of custom payment gateway development more and recommend a selling solution for the e-commerce business. Contact our manager to get more information!

TechnologiesSeptember 17, 2019
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