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Shopify PaymentsGet Paid & Manage Money

STOA rating

7.6 / 10

Openness

OPENNESS 8/10API 2/3 · Export 2/3 · Contract 2/2 · Integrations 2/2

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API

Shopify has public APIs for developers, but some APIs need Shopify's approval or a specific plan, and the docs do not spell out which plan each API needs. shopify.dev, checked 28 Sept 2026 (opens in a new tab)

Your data

You can export your orders as a CSV file from the Orders page of the Shopify admin. help.shopify.com, checked 28 Sept 2026 (opens in a new tab)

Contract

Shopify subscription fees are paid in advance and billed in 30-day intervals. shopify.com, checked 28 Sept 2026 (opens in a new tab)

Openness note

Public API; some parts need approval or a specific plan. Self-serve CSV export of orders. Billed in 30-day intervals. Zapier and own App Store.

What it does

Shopify Payments is built for small business owners who already run—or plan to run—a Shopify store and want to accept credit cards without setting up a separate payment processor. You can turn it on with one click and start accepting Visa, Mastercard, Amex, Apple Pay, Google Pay, and Shop Pay right away. Your orders and payment data live in the same dashboard, so you always know where your money stands. It's included with every paid Shopify plan, and the transaction fees drop as you move up to higher-tier plans.

Strengths

Zero extra setup—activates with one click inside Shopify
All payment and order data in a single dashboard
Supports many popular payment methods including digital wallets
Built-in fraud analysis on every plan
Transaction fees decrease as you upgrade plans

Weaknesses

Only available to Shopify merchants—no standalone use
Not available in all countries, limiting international sellers
Using a third-party payment processor instead costs an extra fee
Account holds or freezes can occur and are handled by Shopify, not a dedicated payment company

Key features

Accept major credit cards, digital wallets (Apple Pay, Google Pay), and Shop Pay out of the box
One-click setup inside your existing Shopify account—no third-party application needed
View orders and payouts together in one dashboard for a clear picture of your cash flow
PCI-compliant with 3D Secure checkout and payment data encryption to protect your customers
Built-in fraud analysis included on all plans
Lower transaction fees on higher Shopify plans (from 2.9% + 30¢ down to 2.5% + 30¢ online)

AI features

Shopify includes a built-in AI assistant called Sidekick that can help you manage your store and answer commerce questions. Fraud analysis uses machine learning to flag suspicious orders before they become chargebacks.

STOA verdict

Shopify Payments is the obvious choice if you're already on Shopify—it saves you the hassle of connecting a separate payment gateway and keeps all your sales data in one place. The biggest pro is how tightly it's woven into the Shopify dashboard, making payouts and order tracking simple. The main downside is that it only works within Shopify, so if you ever move platforms, you'll need to switch payment processors too.