Shopify Payment Gateways Compared: Shop Pay, Stripe, and PayPal

Shopify Payment Gateways Compared: Shop Pay, Stripe, and PayPal

Table of Contents

  1. Introduction
  2. What are Payment Processors?
  3. Shopify Payments
    • Pricing and Transaction Fees
  4. Stripe
    • Advantages over Shopify Payments
    • Currencies and Availability
    • Transaction Fees
  5. PayPal
    • Advantages over Shopify Payments and Stripe
  6. Which Payment Processor to Choose?
  7. Conclusion

Shopify Payment Processors - The Difference between Shop Pay, Stripe, and PayPal

Welcome back! This video is all about payment processors for Shopify stores. In this article, we’ll dive into the differences between Shopify Payments, Stripe, and PayPal, and help you decide which one is the best fit for your business.

What are Payment Processors?

Every online store needs a third-party payment gateway to process transactions. You need to go through a certified and trustworthy company that handles people's credit cards and card information properly.

Shopify Payments

Shopify Payments is a payment system offered by Shopify, an e-commerce company. Shopify Payments make it simple for integrating their payment system through your Shopify store, which requires only hooking up your bank account. They use Stripe to process their credit card payments, now marketed as “Shop Pay.”

Pricing and Transaction Fees

The first level of the Shopify payment plan starts from $29 per month and 2.9% plus 30 cents per transaction. If you are making more than $25,000 per month, the tipping point is at $79 per month, with a 2.7% transaction fee. Any charge-backs cost $15 regardless of Shopify or Stripe.


Stripe is a payment processor that transfers to multiple different business types and applications, even carrying over their Stripe from Shopify to your WordPress and click funnel websites. Stripe accepts over 135 different currencies and is available in 35 different countries.

Advantages over Shopify Payments

If you are looking for a more customized payment solution with more options available to you, Stripe is the right choice.

Currencies and Availability

Stripe is available in more countries than Shopify, being available in 35 countries, and accepting over 135 different currencies.

Transaction Fees

Stripe has the same transaction fees as the basic Shopify plan.


PayPal is the most trusted and preferred payment method for online shoppers. People feel more secured in their transactions with PayPal, and if there is a dispute, there is no immediately cost incurred during the resolution process, in contrast to Shopify payments.

Advantages over Shopify Payments and Stripe

If you are looking for a safe and secure payment gateway that doesn't charge you for every dispute, choose PayPal.

Which Payment Processor to Choose?

If you want to customize payment solution or if Shopify Payment is not available in your country, Stripe is the right pick. If you want an all-in-one source of credit card payment, payment invoicing, and billing all together under one roof, Shopify is the perfect option. Finally, if you want a widely trusted payment gateway that doesn't cost upfront, go with PayPal.


In conclusion, Shopify Payments, Stripe, and PayPal offer advantages and disadvantages that differ with each other. Your best choice will depend on your country of origin, your revenue, and your personal preference. Whatever your choice, keep your shopping experience trustworthy and secure.


  • Shopify Payments offer seamless integration to your Shopify store with plans starting from $29 per month.
  • Stripe accepts over 135 different currencies, available in 35 countries, and is perfect for customization of payment solutions.
  • PayPal is the most trusted payment gateway and doesn't immediately cost users for every dispute.
  • Business owners need to choose a payment processor that suits them based on various factors like country of operation, revenue, and personal preference.


Q: What is the importance of Payment Processors for online stores? A: Payment processors are important for online stores as they handle transactions and credit card information of customers through certified and reliable middleware companies.

Q: Which payment processor should I use for my Shopify store? A: Your choice of payment processor should depend on various factors like the country of sale, revenue, and personal preference. Stripe offers customization solutions, whereas Shopify is an all-in-one source of payment, invoicing, and billing. PayPal is more trustworthy and secure.

Q: What is the difference between Shopify Payments and Stripe? A: Shopify Payments is easy to integrate and use. Stripe is available in more countries and currency options, with customization capabilities.

Q: What are the transaction fees for Shopify? A: Transaction fees start at 2.9% plus 30 cents per transaction. If you make more than $25,000 per month, the $79 per month plan comes with a 2.7% transaction fee.

Q: What is the advantage of using PayPal? A: PayPal is widely trusted and secure, which also doesn't immediately cost on every dispute resolution process.

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