Are you struggling to get Shopify Payments to work for you? Or isn't it the right fit?

Either way, we have good news!

Shopify integrates with over 100 payment processors worldwide that can help facilitate payments between you and your customers.

In this article, we've listed a few top Shopify Payments alternatives that might work better for you.

Let’s get started!

Tip: Have you already created your Shopify account? If not, sign up by clicking this link here to get a free 3-day trial + 1 month for $1!

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10 Alternatives to Shopify Payments: An Overview

Before we get started, here is a quick overview of all Shopify payment gateways mentioned in this article:

Payment gatewayPricingRead Review
PayPal3.49%+$0.49 and
2.59%+$0.49 (online card)
PayPal Review
Stripe2.9%+$0.30 (online card) and
2.7%+$0.05 (in-person)
Stripe Review
Verifone3.5%+$0.35 (online)Verifone Review
Opayo£32 or £45 per month for 350 transactionsOpayo Review
Authorize.net2.9%+$0.30 per transactionAuthorize.Net Review
Braintree1.9%+£0.20, plus 1% additional fees (non-UK residents).Braintree Review
FasterPay2.7%+$0.30 (US& Canada), 2.7%+€0.30 (Europe),and 3.9%+$0.30 (the rest of the world).Faster Pay Review
Amazon Pay2.9%+$0.30 (domestic) and
3.9%+$0.30 (cross-border)
Amazon Pay Review
Fondy.io0.5%+£0.20 (UK) and
0.5%+€0.25 (EU) Review
Square2.6%+$0.10 (card-present)
and 2.9%+$0.30 (card-not-present)
Square Review

How do I pick the right Shopify Payments alternative?

Before learning more about each of these Shopify payment options, consider the following crucial aspects. It will help you to find an accurate alternative for your business.

 Here are a few recommendations for choosing suitable payment alternatives:

  • Consider your goals and the nature of your business. You must identify where you will market your products and which currencies you will accept.
  • Find a gateway that's easy to set up and has reasonable fees. An option like PayPal has relatively low costs, allowing you to keep a bigger share of profits.
  • Use a gateway with fraud detection. Stripe offers a high level of transaction security and is good at identifying fraud.
  • Look for an efficient refund option. This makes solving settlements more convenient for you and your customers. Opayo is a great option.
  • Use real-time analytics. This will help you improve your business' performance.
  • Find a gateway with a high-transaction success rate. A gateway like Amazon Pay will reduce the number of lost sales.

The 10 best Shopify Payments alternatives

Are you ready to find the ideal payment gateway for your Shopify store?

Let's begin!

1. PayPal

PayPal payment gateway

The most popular third-party payment option for small-to-medium companies, freelancers, customers, and other individuals is PayPal, which currently supports 25 currencies and more than 200 locations.

If you send money for business purposes, there is a processing fee, but sending money to friends and family is free.

With PayPal as their payment processor, merchants have seen a 28% increase in conversion.


  • Easy to use. PayPal is easy to set up, so your customers can effortlessly send you payments. 
  • Extra security for fraud prevention. PayPal has a high level of security to prevent fraud. If you get involved in fraud, PayPal helps to get your money back.
  • Safely encrypted. PayPal safely encrypts your bank account and credit card information.
  • Transaction records. PayPal has features to send e-checks, follow up on payments, and request refunds.



PayPal pricing

The good news?

There are no monthly fees with PayPal!

Its transaction fees are 3.49%+$0.49, and it also accepts online card processing at a rate of 2.59%+$0.49. Check out more PayPal business pricing structures here.

2. Stripe

Stripe payment gateway

Stripe allows companies to accept e-wallets and a variety of credit cards, including MasterCard and American Express, along with over 135 other foreign currencies.

Shopify Payments is actually powered by Stripe. But as you might know, Shopify Payments has a limited geographic reach.

If you live in a country like Mexico that supports using Stripe on Shopify, then it's a great alternative!

Either way, Stripe is a great Shopify Payments alternative, with well-known companies like Amazon and using it too.


  • Universality. Stripe works with many credit cards, banks, and currencies.
  • Transparency of payments. It doesn’t charge any hidden fees, neither to businesses or customers.
  • Stability. Stripe works perfectly and accepts payments without delay or errors.
  • Business performance insights. Monitor payment data and get real-time statistics.


  • Geo-restrictions. Although Stripe accepts payments from all over the world, there may be geographical limitations making it only available for the 47 largest countries, with Indonesia and the Philippines about to join.


Stripe pricing

Stripe has no monthly charge but flat rates for most credit card payments of 2.9%+$0.30 per online transaction and 2.7%+$0.05 per in-person transaction.

Additional fees apply to some international transactions and customized pricing accounts, so check out its whole pricing structure here!

3. Verifone

Verifone payment gateway

Verifone, formerly 2Checkout, is a payment solution targeted to small-to-mid-size companies.

It offers multiple features for merchants, like data analysis, detailed reports, and world-class security, to ensure upstanding business performance.

It has a direct presence in over 45 countries and accepts more than 100 currencies.


  • Global reach. Companies can easily expand globally with the help of Verifone.
  • Transparency. Provide complete transaction reports to make transactions and documentation simpler for beginners. 
  • Subscriptions tools. Verifone has tools for software companies to retain customers, manage subscriptions, and analyze subscription data.


  • Only accept payments online. It only supports online payments, not in-person transactions.


Verifone pricing

Verifone has no monthly fee but charges 3.5%+$0.35 per online transaction; if you want to know more, check out their pricing structures.

4. Opayo

Opayo payment gateway

Opayo (formerly known as Sage Pay) is a convenient platform for online marketers and consumers. 

Opayo has quick settlement times, no sign-up fees, and free PCI Compliance packs. It's a popular choice for many European businesses, especially in the UK and Ireland.


  • Save money. Opayo is a cost-effective solution due to its low costs.
  • User-friendly. Both merchants and customers experience a seamless process on this platform.
  • Secure. Opayo implements high-level cybersecurity standards to make the payment process secure.
  • Customer service. Opayo offers 24/7 support for customers. 


  • No free trial. Opayo doesn’t offer a free trial, so you must pay for the premium version.


Opayo pricing

Opayo's Flex and Plus rates are £32 or £45 per month for 350 transactions, respectively. Each additional transaction costs 12 pence.

If you want to know more, check out their tariff rates

5. payment gateway is one of the oldest and most versatile payment gateways for medium-to-large businesses. allows companies to do business in some major countries including the US, Canada, the UK, Australia, and some parts of Europe, as well as accept 11 currencies internationally.


  • Anti-fraud management. Its AFDS (advanced fraud detection suite) feature prevents fraud and lowers chargebacks. 
  • Locate transaction. This feature enables you to quickly identify the source of the transactions.
  • User-friendly API.'s payment API is comparatively easy to operate and versatile.
  • Customer support. has several options to support customers, including 24/7 telephone, live chat, and social media. Merchants seem satisfied with the customer service.


  • Non-refundable monthly fees. If there seem to be any issues from the side of customers, won't give a refund unless there is an actual error by the company.


There is no setup fee, but there is a monthly gateway fee of about $25 and a charge of 2.9%+$0.30 per transaction. For merchant accounts, the fee is $25+$0.10 (the daily batch fee).

Check out's pricing structures here!

6. Braintree

Braintree payment gateway

Braintree is a company associated with PayPal. It primarily focuses on online shopping, but it also allows the acceptance of in-person payments for merchants.

It can integrate notable ecommerce platforms, accept all forms of payment, including credit and debit cards, e-wallets, and PayPal, and is available in 47 different countries.

Its PCI-DSS Level 1 security system is intended to protect the data of your customers and keep an eye on any suspicious or unauthorized activity.

So that makes it sound and secure for your ecommerce platform.


  • Multi-Currencies option. Braintree supports around 135 multi-currencies, making the transaction process more convenient.
  • No long-term contract. Braintree doesn’t provide a long-term contract.
  • Minimal fees. They charge comparatively low fees compared to other gateways. There are no monthly fees, extra charges for PCI compliance, or minimum transaction fees.


  • Inconsistent customer service. Their customer support is mostly unresponsive and takes several weeks for issues to resolve (source).


Braintree pricing

Braintree doesn’t have a monthly fee but charges 1.9%+£0.20 per transaction.

An additional 1% fee is applicable for non-UK residents. Merchants require their own AMEX accounts, and custom pricing is available only to merchants.

To know more, find their pricing structure or contact their sales team.

7. FasterPay

FasterPay payment gateway

One of the most innovative advanced payment gateways is FasterPay. It offers features like a fully-featured global payment gateway, customizable invoices, anywhere mobile payments, customizable checkout, and so forth. 

Additionally, it accepts credit and debit cards and 16 multi-currencies.


  • High-level security. Up to six million transactions per year can be processed securely, thanks to its PCI DSS level of security. 
  • 24/7 customer support. Customers have no complaints with their customer support; they're very active.
  • Exclusive offers. FasterPay offers exclusive deals, promotions, and gift cards for consumers.


  • Monthly fee. A monthly fee of about $9.99 is required, but you can sign up for a free account and use the first month as a free trial.


Faster pay pricing

FasterPay charges 2.7%+$0.30 (US & Canada), 2.7%+€0.30 (Europe), and 3.9%+$0.30 (the rest of the world).

For more information, check out their pricing structure.

8. Amazon Pay

Amazon Pay payment gateway

Amazon Pay is one of the top payment providers for online retailers. It integrates with BigCommerce, Shopify, WooCommerce, and other ecommerce platforms to help merchants and simplify the customer checkout process.

It is available in 18 nations and supports more than 12 currencies.

A web browser, a mobile app, or Alexa voice command technology can all be used to access this revolutionary payment method.

Side note: Wondering if you can do dropshipping on Amazon? Check out our article explaining the pros and cons!


  • Quick integrations. Amazon Pay plug-ins are available for many ecommerce platforms, allowing for quick access.
  • Support global customers. Most Amazon customers are across the border, supporting their customers 24/7 and securing their payment process.
  • Faster checkout process. Merchants can enable a one-click payment option for their customers so the checkout process can be even quicker and easier.


  • Take a while to sign-up. Setting up non-Amazon sellers will be more time-consuming.


Amazon Pay pricing

Amazon Pay costs no membership or monthly fee but charges 2.9%+$0.30 (domestic) and 3.9%+$0.30 (cross-border) per online and mobile transaction, and Alexa Voice Service charges 4%+$0.30 (domestic) and 5%+$0.30 (cross-border) per transaction.

Check out more Amazon Pay pricing structures.


Fondy-io payment gateway is a payment gateway system specially built for European businesses. However, its use is not limited to Europe but extends to over 200 countries.

It accepts payments from cards including VISA and MasterCard and e-wallets such as Google Pay and Apple Pay.

They’ve adopted PCI-DSS Level 1 security so they can keep your customer's data and your account secure.


  • Easily integrate with CMS or CRM. If you run an online shop, it's much easier to integrate with popular platforms including WooCommerce, Shopify, Joomla, Wix, Magento, and so on.
  • Seamless multi-currency transaction. Fondy accepts direct transactions in over 150 different currencies to make businesses easily serve all customers.
  • Smooth payouts. The system supports direct payouts in every EU nation, so getting money through Fondy was incredibly smooth.


  • No free trial. Although they don't offer a free trial, you must pay premium fees in order to connect with their service.

Pricing pricing has no setup or other costs, but it charges 0.5%+£0.20 per transaction in the UK and 0.5%+€0.25 in the EU.

To learn more, look at their pricing structure.

10. Square

Square payment gateway

Square is the best point-of-sale solution for new, small, and mobile businesses. It allows a global merchant to conduct flexible transactions at any time and from any location.

Even so, Square's algorithm tracks all transaction activity, and if it detects anything suspicious, it immediately freezes the user's account.

It supports numerous third-party integrations through its Square App marketplace and accepts multiple card payments from customers in nine different countries.


  • All-in-one payments. Square has an all-in-one terminal that can quickly transfer your funds and accept both offline and online card payments.
  • User-friendly interface. Square's dashboard is well-organized and fully customizable. 
  • No hidden fees. The startup fees, authorization fees, statement fees, and PCI compliance fees are waived.


  • Inconsistent integration with Shopify. They are basically competitors, so Shopify does not natively support it, but you can use a third-party app to use it.


Square pricing

Square has no setup or monthly fee but charges a processing rate of 2.6%+$0.10 per card-present transaction and 3.5%+$0.15 (manually) and 2.9%+$0.30 (online checkout) per card-not-present transaction.

To learn more, check out their pricing details.

FAQs about Shopify Payments alternatives

Still trying to figure out something? Check out the frequently asked questions about using a Shopify Payments alternative:

What payment method is best for Shopify?

If Shopify Payments doesn't work for you, PayPal is one of the best and most popular payment methods for Shopify.

Can I use Stripe instead of Shopify Payments?

Shopify Payments has its own payment option, which is actually powered by Stripe. So, anyone who uses Shopify Payments will also use Stripe. However, Shopify Payments isn't available in every country; in that case, you can use Stripe.

How do I cash out on Shopify?

Shopify offers several ways to cash out, including through PayPal, Stripe, your own bank account, and even from e-wallets, but a charge for each cash out is required. (More info here)

Is PayPal enough for Shopify?

PayPal is a popular option on Shopify, but other payment gateways may increase the user experience for your visitors.

Does Shopify take a percentage of sales?

Yes, Shopify does take a percentage of sales, depending on your plan:
• Basic Shopify plan, 2.9%+$0.30 USD and international 3.9%+$0.30 USD,
• Shopify plan, domestic 2.6%+$0.30USD, and international 3.6%+$0.30USD,
• Advanced Shopify plan domestic 2.4%+$0.30USD and International 3.4%+$0.30USD

Can I use my personal bank account for Shopify?

You'll need a bank account to receive money from sales, but it should be for business instead of personal. So your business income always goes to your business bank account that connects to the ecommerce platform or payment gateway.

Taking action

Reading and absorbing information and knowledge is great (definitely if it’s free!), but do you know what’s even better?

Taking action!

So, to help you with taking action with what you have learned in this article, take a look at the bullet points:

  • Check the overview table and find your best Shopify Payments alternative.
  • Don’t forget to consider fraud protection features, even if the pricing seems a little bit high to you. 
  • Don't compromise on the quality of customer service.
  • If a payment gateway matches your requirements, pick it! If not, do more research.

Tip: If your purpose is to use an alternative payment gateway for dropshipping. Check out our best payment gateway for dropshipping stores article — and this one for the best payment gateway combos.


The more obstacles you can remove from a simple checkout process, the better your chances are of finding the best payment options. 

Therefore, before making a decision for your Shopify store, don't forget to compare each option's pricing and features on our list.

If you do, you will be able to choose the most reliable, safe, and user-friendly payment gateway options. 

Also, did you know that you can accept cryptocurrencies on your Shopify store? Check out our other article here for more information!

Good luck!

Want to learn more about Shopify?

Ready to move your Shopify store to the next level? Check out the articles below:

Plus, don’t forget to check out our in-depth how to start a Shopify store guide here!

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