{"id":726,"date":"2026-06-28T19:48:23","date_gmt":"2026-06-28T17:48:23","guid":{"rendered":"https:\/\/riskpaygo.com\/?p=726"},"modified":"2026-06-28T19:48:23","modified_gmt":"2026-06-28T17:48:23","slug":"payment-gateways-for-shopify","status":"publish","type":"post","link":"https:\/\/riskpaygo.com\/en\/payment-gateways-for-shopify\/","title":{"rendered":"Payment gateways for Shopify: options, advantages, and which one to choose"},"content":{"rendered":"<p>In case you didn't know, payment gateways for Shopify influence your online store's costs. They also affect how your customers shop, whether payments are approved, and even whether you can sell in other countries.<\/p>\n<p>In other words: <strong>Choosing poorly can result in unnecessary fees<\/strong>, rejected payments, customers abandoning their cart, or problems operating based on your location.<\/p>\n<p>Luckily, in today's guide we'll help you decide. <strong>Which is the best payment gateway to integrate with your Shopify? <\/strong>considering your type of business and also analyzing the real cost of each one in terms of commissions and fixed rates.<\/p>\n<h2>Types of payment gateways that can be integrated with Shopify<\/h2>\n<p>Before getting into the comparisons, it's important to understand what type of integration you're choosing, because not all of them work the same or have the same impact on conversion.<\/p>\n<ul>\n<li><strong>Direct gateways<\/strong>The customer pays without leaving your store, providing a better user experience and, generally, a higher conversion rate. They are preferred by any business that wants 100% control over the checkout process.<\/li>\n<li><strong>External walkways:<\/strong> The user is redirected to another site to complete the payment (e.g., PayPal Standard). This adds an extra step that can create friction, although it builds trust through brand recognition.<\/li>\n<li><a href=\"https:\/\/www.bbva.com\/es\/salud-financiera\/compra-ahora-paga-despues-bnpl-todo-lo-que-debes-saber-antes-de-aplazar-pagos\/\" target=\"_blank\" rel=\"nofollow noopener\"><strong>BNPL (Buy now, pay later)<\/strong><\/a>Companies like Klarna, Scalapay and similar ones, which have been growing for years and the data confirms it, since offering BNPL can reduce cart abandonment by up to 10% and increase the average order value by around 20%.<\/li>\n<\/ul>\n<h2><strong>Comparison of the best payment gateways for Shopify in 2026<\/strong><\/h2>\n<p>Let's get to the part that interests you most, and then, for each catwalk, I'll tell you what it does well, what it does poorly, and who it makes sense for:<\/p>\n<h3>1. Shopify Payments: the native option<\/h3>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-727 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/pasarelas-de-pago-para-shopify.jpg\" alt=\"payment gateways for Shopify\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/pasarelas-de-pago-para-shopify.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/pasarelas-de-pago-para-shopify-300x150.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/pasarelas-de-pago-para-shopify-768x384.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/pasarelas-de-pago-para-shopify-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>Obviously, you have to start with your own Shopify payment gateway. If you have a Shopify store and you're not using <strong><a href=\"https:\/\/www.shopify.com\/es\/payments\" target=\"_blank\" rel=\"nofollow noopener\">Shopify Payments<\/a><\/strong> (and it's available in your country), you're overpaying for no reason.<\/p>\n<p>The main advantage is that <strong>It completely eliminates the additional transaction fee.<\/strong> Shopify charges when you use an external payment gateway: 2% on the Basic plan, 1% on the Grow plan, and 0.6% on the Advanced plan.<\/p>\n<p>As for processing fees, the numbers are very good: 2.9% + $0.30 per transaction in the Basic plan, 2.6% + $0.30 in the Grow plan, and 2.4% + $0.30 in the Advanced plan.<\/p>\n<p>Besides,<strong> The settlement will arrive in your account within 1 to 3 business days.<\/strong>, with programmable payout for greater control over cash flow.<\/p>\n<h3>2. Riskpaygo: for high-risk businesses<\/h3>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-728 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/la-mejor-pasarela-de-pago-para-shopify.jpg\" alt=\"the best payment gateway for Shopify\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/la-mejor-pasarela-de-pago-para-shopify.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/la-mejor-pasarela-de-pago-para-shopify-300x150.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/la-mejor-pasarela-de-pago-para-shopify-768x384.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/la-mejor-pasarela-de-pago-para-shopify-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>If Shopify Payments isn't what you're looking for, or if your business operates in a sector that traditional payment gateways tend to reject (supplements, digital products, subscriptions, high-volume international businesses), this is where our solution comes in. <a href=\"https:\/\/riskpaygo.com\/en\/\" target=\"_blank\" rel=\"noopener\"><strong>high-risk payment gateway<\/strong><\/a>.<\/p>\n<p>What sets this platform apart is that, apart from accepting what others reject, it also has a serious infrastructure.<\/p>\n<p>In other words, it includes an anti-fraud system with real-time artificial intelligence, support for more than 150 currencies, fast settlements, and no unexpected fund holds that cause so many headaches in more restrictive payment gateways.<\/p>\n<p>And its integration with Shopify allows you to activate it without having to redo your entire checkout flow.<\/p>\n<h3>3. Stripe: a global infrastructure<\/h3>\n<figure id=\"attachment_729\" aria-describedby=\"caption-attachment-729\" style=\"width: 1000px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-729 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-para-shopify.jpg\" alt=\"\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-para-shopify.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-para-shopify-300x150.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-para-shopify-768x384.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-para-shopify-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption id=\"caption-attachment-729\" class=\"wp-caption-text\">It stands out among the payment gateways for Shopify<\/figcaption><\/figure>\n<p><strong><a href=\"https:\/\/riskpaygo.com\/en\/alternatives-to-stripe\/\" target=\"_blank\" rel=\"noopener\">Stripe<\/a> <\/strong>It's a favorite among technical teams, and for good reason. Its API is one of the best documented in the industry, and its ecosystem of tools makes it a nearly complete platform for businesses with development resources.<\/p>\n<p>The best part is that it's available in 46 countries and supports over 135 currencies. Its base fees are 2.9% + $0.30 per card, and payments arrive within 2 business days.<\/p>\n<p>The problem with integrating Stripe into Shopify is that <strong>Shopify adds its transaction fee on top<\/strong>which is between 0.6% and 2% depending on your plan, which can significantly increase the actual cost per sale.<\/p>\n<p>For a business with $50,000 in monthly sales, that difference can exceed $600 extra per month compared to using Shopify Payments. Therefore, it only makes sense if you need advanced customization, operate across multiple channels, or your technical stack already revolves around Stripe outside of Shopify.<\/p>\n<h3>4. PayPal: as a trusted brand<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-730 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/Paypal-entre-las-mejores-pasarelas-de-pagos-en-shopify.jpg\" alt=\"PayPal among the best payment gateways on Shopify\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/Paypal-entre-las-mejores-pasarelas-de-pagos-en-shopify.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/Paypal-entre-las-mejores-pasarelas-de-pagos-en-shopify-300x150.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/Paypal-entre-las-mejores-pasarelas-de-pagos-en-shopify-768x384.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/Paypal-entre-las-mejores-pasarelas-de-pagos-en-shopify-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p><strong><a href=\"https:\/\/riskpaygo.com\/en\/alternatives-to-paypal\/\" target=\"_blank\" rel=\"noopener\">PayPal<\/a> <\/strong>It doesn't go unnoticed because (whether we like it or not) it remains the name that most customers recognize and trust when paying in a new store.<\/p>\n<p>The bad thing is that <strong>It has very high fees for certain transactions.<\/strong> And the transfer time to your bank may be an additional 1 to 3 days after you have them in your PayPal account.<\/p>\n<p>It also charges a $20 dispute fee, compared to $15 for Shopify Payments or Stripe. So, while its name certainly lends authority, there are several drawbacks.<\/p>\n<h3>5. Integral Pay: all integrated payments<\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-731 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-shopify.jpg\" alt=\"Shopify stands out among payment gateways\" width=\"1000\" height=\"500\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-shopify.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-shopify-300x150.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-shopify-768x384.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/05\/destaca-entre-las-pasarelas-de-pago-shopify-18x9.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>We close the ranking with <strong><a href=\"https:\/\/riskpaygo.com\/en\/integralpay-what-is-alternatives\/\" target=\"_blank\" rel=\"noopener\">Integral Pay<\/a><\/strong>which points to a real problem that many businesses face when they grow: fragmentation.<\/p>\n<p>You have Shopify Payments for some sales, PayPal as an alternative, maybe Stripe for subscriptions, and in the end, reconciling all of that is an accounting nightmare.<\/p>\n<p>What Integral Pay does is<strong> centralize the management of multiple payment methods within Shopify, <\/strong>facilitating reconciliation and monitoring of cash flow from a single dashboard.<\/p>\n<p>It's a great solution for medium-to-high volume businesses that have several active sales channels and need consolidated visibility without having to export CSVs from three different platforms.<\/p>\n<h2>How to choose your payment processor for Shopify<\/h2>\n<p>The first thing you should know is that there's no such thing as the perfect platform for every business. But you can make a good decision by calmly analyzing the following factors:<\/p>\n<h3>Geographic location<\/h3>\n<p>Start by checking what options are available in your region. Does Shopify Payments work in your country? If so, start there. If not, RiskPay or Stripe are the most comprehensive alternatives for international markets.<\/p>\n<h3>Transaction fees<\/h3>\n<p>Analyze the percentage charged by the payment gateway and also add the additional commission Shopify charges for using third-party providers. That extra 1\u20132% can drastically change your actual profit margin.<\/p>\n<h3>Currency support<\/h3>\n<p>Don't forget to also check the currencies it works with and supports. If 30% or more of your customers are from another country, you need a payment gateway that supports automatic currency conversion and local payment methods. A single currency isn't enough to sell globally.<\/p>\n<h3>Subscription compatibility<\/h3>\n<p>If you have or plan to have a recurring payment model, verify that the payment gateway supports automatic billing, cancellation management, and recovery of failed payments. Not all of them do it well.<\/p>\n<h2>How to set up your payment gateway in Shopify step by step<\/h2>\n<p>The activation process is simpler than it seems. Here's what you need to do in any case:<\/p>\n<ol>\n<li>First, log into your Shopify dashboard and go to<strong> Settings &gt; Payments <\/strong>from the left sidebar menu.<\/li>\n<li>Now, activate or choose your primary provider and, as we've mentioned, if Shopify Payments is available in your region, it will appear as a priority option.<\/li>\n<li>For external providers, select \u00ab<strong>Alternative payment providers <\/strong>and find the one you need.<\/li>\n<li>Then, <strong>Connect your supplier account and Shopify<\/strong> You will be redirected to your payment gateway verification process. Please have your company documents and bank details ready.<\/li>\n<li>Then, add complementary payment methods, such as PayPal Express, Apple Pay, Google Pay, or BNPL.<\/li>\n<\/ol>\n<p>Place a test order, as the platform has a test mode that simulates real transactions. Use it before opening your store to the public to verify that everything is working correctly.<\/p>\n<h2>Cost analysis: How much will you actually pay for each sale?<\/h2>\n<p>Here's the most important question. Let's look at the real numbers, without omitting Shopify's additional commission, which many analyses deliberately ignore.<\/p>\n<p>The percentages in the table correspond to online card transactions on Shopify's Basic plan. On higher plans, the processing fee decreases and Shopify's additional fee is reduced or eliminated.<\/p>\n<table>\n<tbody>\n<tr>\n<td>Footbridge<\/td>\n<td>Footbridge commission<\/td>\n<td>Shopify Commission<\/td>\n<td>Monthly fee<\/td>\n<td>Payout (days)<\/td>\n<\/tr>\n<tr>\n<td>Shopify Payments cheaper<\/td>\n<td>2,9% + 0,30 $<\/td>\n<td>0%<\/td>\n<td>Included in plan<\/td>\n<td>1\u20133 business days<\/td>\n<\/tr>\n<tr>\n<td>Risky<\/td>\n<td>Variable (negotiable)<\/td>\n<td>2% (Basic)<\/td>\n<td>Consult<\/td>\n<td>Fast \/ Flexible<\/td>\n<\/tr>\n<tr>\n<td>Stripe<\/td>\n<td>2,9% + 0,30 $<\/td>\n<td>2% (Basic)<\/td>\n<td>No fixed fee<\/td>\n<td>2 business days<\/td>\n<\/tr>\n<tr>\n<td>PayPal<\/td>\n<td>~3.49% + fixed fee<\/td>\n<td>2% (Basic)<\/td>\n<td>No fixed fee<\/td>\n<td>1\u20133 + transfer<\/td>\n<\/tr>\n<tr>\n<td>Integral Pay<\/td>\n<td>Variable by method<\/td>\n<td>According to configuration<\/td>\n<td>Consult<\/td>\n<td>Variable<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Is there something many people overlook? Yes: the true cost of chargebacks.<\/h2>\n<p>In high-volume sectors or with products that generate more disputes (such as subscriptions or digital sales), this cost can accumulate quickly.<\/p>\n<p>This is another reason why Riskpaygo, with its anti-fraud system specifically designed to reduce chargebacks in complex sectors, is an option that deserves serious analysis.<\/p>\n<h2>The best Shopify payment gateway for your digital business<\/h2>\n<p>If you operate in sectors that traditional gateways avoid, sell internationally, or need a solution without the usual restrictions, <strong>Riskpaygo is our recommendation<\/strong>.<\/p>\n<p>Stripe is the best technical alternative for teams with development capabilities, and PayPal should always be a complementary option in your checkout, not the only option.<\/p>\n<p>The key is not to choose just one, since a checkout with your main gateway plus PayPal and Apple Pay\/Google Pay can win back customers you would otherwise lose due to the lack of their preferred method.<\/p>\n<h2>Frequently Asked Questions<\/h2>\n<h3>Can I use more than one payment gateway at the same time?<\/h3>\n<p>Yes, and that's actually what we recommend. Shopify lets you have one main payment gateway active and add alternative payment buttons like PayPal Express, Apple Pay, or Google Pay at no extra cost if you use Shopify Payments.<\/p>\n<h3>How can I avoid Shopify's additional transaction fee?<\/h3>\n<p>The only way to completely eliminate it is by using Shopify Payments as your primary payment gateway. If Shopify Payments isn't available in your country, that fee is unavoidable.<\/p>\n<h3>How long does it take for the money to arrive in my bank account?<\/h3>\n<p>It depends on the payment gateway. In the case of Riskpaygo, the payment is credited within 48 hours.<\/p>\n<h3>Which catwalk is best if I sell high-risk products?<\/h3>\n<p>Riskpaygo is the best option for businesses that Stripe or Shopify Payments usually reject or restrict: supplements, digital products, subscriptions, regulated sectors, or businesses with a high volume of international transactions.<\/p>\n<h3>Do I need a bank account abroad to receive payments in dollars?<\/h3>\n<p>Not necessarily. Most international payment gateways, including RiskPaygo and Stripe, allow you to accept payments in multiple currencies and receive settlement in your local currency. What you do need to do is verify that the gateway operates in your country as an acquirer or has local agreements in place to settle payments to your domestic bank account.<\/p>","protected":false},"excerpt":{"rendered":"<p>Por si no lo sab\u00edas, las pasarelas de pago para Shopify influyen en los costos de tu tienda en l\u00ednea. [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":963,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[22],"tags":[],"class_list":["post-726","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-procesadores-de-pago"],"_links":{"self":[{"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/posts\/726","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/users\/12"}],"replies":[{"embeddable":true,"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/comments?post=726"}],"version-history":[{"count":0,"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/posts\/726\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/media\/963"}],"wp:attachment":[{"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/media?parent=726"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/categories?post=726"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/riskpaygo.com\/en\/wp-json\/wp\/v2\/tags?post=726"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}