Comparing Shopify Payments and Stripe: Which is Right for Your Store?

Comparing Shopify Payments and Stripe: Which is Right for Your Store?

Table of Contents

  1. Introduction
  2. What is Shopify Payments?
  3. What is Stripe?
  4. Availability of Shopify Payments and Stripe
  5. Fees Comparison
  6. Setting up Shopify Payments
  7. Setting up Stripe
  8. Customer Support
  9. Pros and Cons of Shopify Payments
  10. Pros and Cons of Stripe
  11. Conclusion

Shopify Payments vs Stripe: Choosing the Right Payment Gateway for Your Store

Websites and online stores rely on secure payment gateways to process credit card and debit card payments. Two popular options for e-commerce businesses are Shopify Payments and Stripe. While both enable online payment processing, there are some key differences between them. In this article, we will compare Shopify Payments and Stripe, taking into account their features, fees, availability, and ease of setup. Whether you're starting a new online store or considering switching your payment gateway, this article will help you make an informed decision.

1. What is Shopify Payments?

Shopify Payments is a built-in payment processing solution offered by Shopify, an all-in-one e-commerce platform. It allows merchants to accept payments directly on their Shopify store without the need for third-party payment gateways. Shopify Payments provides a seamless checkout experience for customers and integrates effortlessly with the Shopify platform.

2. What is Stripe?

Stripe is a popular third-party payment gateway that provides payment processing services for online businesses. It offers a wide range of features, including subscription billing, customizable checkout experiences, and fraud prevention tools. Stripe's developer-friendly API and robust infrastructure make it a preferred choice for many merchants.

3. Availability of Shopify Payments and Stripe

One of the crucial factors to consider when choosing a payment gateway is its availability in your region. Shopify Payments is available in 18 countries and regions, while Stripe is accessible in over 30 countries and supports payment processing in over 135 currencies. Therefore, if you're located in a country where both options are available, Stripe has a wider reach.

4. Fees Comparison

Fees play a significant role in determining the cost-effectiveness of a payment gateway. In terms of fees, Shopify Payments and Stripe are quite similar. Shopify Payments charges a percentage fee based on the Shopify plan you're on, ranging from 2.9% to 2.7% for online transactions, along with a 30-cent fee per online payment. Stripe's fees are also comparable, starting at 2.9% for online transactions and 2.7% plus 5 cents per in-person transaction. Both gateways apply additional fees for international card transactions.

5. Setting up Shopify Payments

If you're already using the Shopify platform, setting up Shopify Payments is a breeze. It's a straightforward process that involves providing some necessary information and connecting your bank account. Shopify Payments also offers comprehensive customer support, ensuring you have assistance throughout the setup process.

6. Setting up Stripe

Setting up Stripe requires creating a Stripe account and connecting it to your online store. While Stripe offers detailed documentation and resources for setup, it may require a bit more technical know-how compared to Shopify Payments. However, many e-commerce platforms, including Shopify, have seamless integrations with Stripe, simplifying the process.

7. Customer Support

When it comes to customer support, both Shopify Payments and Stripe offer reliable assistance. Shopify provides dedicated support for Shopify Payments, ensuring prompt resolution of any issues. Stripe offers support through email, chat, and a comprehensive knowledge base. In terms of responsiveness, Shopify's customer support is known for its efficiency.

8. Pros and Cons of Shopify Payments

Pros of using Shopify Payments include seamless integration with the Shopify platform, easy setup for existing Shopify users, and dedicated customer support. On the downside, Shopify Payments is available in fewer countries and may have additional fees for using third-party payment gateways.

9. Pros and Cons of Stripe

Stripe offers widespread availability, robust developer tools, and flexible customization options. It is a preferred choice for businesses with complex payment needs. However, Stripe may require more technical expertise for setup and lacks the seamless integration provided by Shopify Payments.

10. Conclusion

When choosing between Shopify Payments and Stripe, consider factors such as availability, fees, ease of setup, and the specific needs of your online store. Shopify Payments is beneficial for existing Shopify users, while Stripe offers a broader reach and more advanced features. Evaluate your requirements and preferences before making a decision to ensure the best payment gateway for your business.


  1. Shopify Payments and Stripe are popular payment gateways for online stores.
  2. Stripe has wider availability in terms of supported countries and currencies.
  3. Fees for Shopify Payments and Stripe are comparable.
  4. Shopify Payments integrates seamlessly with the Shopify platform, while Stripe offers more customization options.
  5. Both payment gateways provide reliable customer support.


Q: Can I use both Shopify Payments and Stripe on my store? A: Yes, it is possible to use both payment gateways simultaneously. However, it may result in additional fees and increased complexity.

Q: Are there any transaction limits with Shopify Payments and Stripe? A: Both Shopify Payments and Stripe have their own transaction limits that depend on various factors such as your business model, transaction volume, and verification processes.

Q: Which payment gateway is better for international transactions? A: Stripe is generally preferred for international transactions due to its extensive currency support and availability in multiple countries.

Q: Can I switch from Shopify Payments to Stripe or vice versa? A: Yes, you can switch between Shopify Payments and Stripe. However, keep in mind that there may be implications such as updating payment settings, migrating data, and potential interruptions in payment processing during the transition.

Q: Is it possible to offer alternative payment methods with both Shopify Payments and Stripe? A: Yes, both payment gateways support various alternative payment methods, such as digital wallets and buy now, pay later options. These can easily be enabled within the platforms' settings.

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