Shopify Payments

Built-in payments, unrivaled conversion

Sell online, in store, and cross-border—from one platform.
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See how Represent grew their international sales by over 50% with Shopify Payments

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#1 payment performance on Shopify1

Instantly reach 200M+ active Shop Pay buyers2

Global scale, local precision

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Multi-entity management

Centralize complex global operations, streamline costs, and sell across entities in one place.

Unified online and in store

Deliver consistent experiences by recognizing customers across every channel.

Currency settlement

Sell in 130+ currencies, settle in up to 8—reduce fees and simplify global payouts.

Local payment methods

Offer preferred payment methods, from local options to installment plans, for smoother checkout.

Shop Pay—the world’s best-converting checkout

Higher performance vs. competitors

Shop Pay outperforms other accelerated checkouts by 10%, delivering more successful transactions, lower customer acquisition costs, and increased ROI.

Create repeat customers

Customers using Shop Pay are 77% more likely to buy again—driving higher customer lifetime value and increased revenue.

Fully integrated tools, zero added cost

Smart authorization

Automatically adjust payment requests in real-time using AI—increasing auth rates and preventing declines for valid purchases.

Flexible payment models

Securely store customer card information with vaulting technology to streamline subscriptions, pre-orders, and B2B purchases.

Secure payment data

Convert payment data into protected network tokens, ensuring safe transactions while building customer confidence.

Card account updater

Receive updated card details automatically, preventing payment failures and support issues when customers’ cards are replaced.

Intelligent fraud prevention

Credit card testing

Block fraudulent bot attacks automatically while keeping checkout smooth for real customers.

Dynamic 3D Secure

Enhance security with cardholder authentication while Shopify manages exemptions across the EEA, UK, and Japan.

Fraud analysis

Detect patterns of fraud with AI-powered risk scoring powered by data from 2M+ merchants, enabling confident order fulfillment.

Pre-authorization

Screen transaction attempts before processing with machine learning risk analysis that prevents fraud before it happens.

Why enterprises choose Shopify

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Lightning-fast innovation

Continuous platform enhancements designed specifically for enterprise needs.

Enterprise scale

Reliable performance powering trillions of transactions across retail, B2C, and B2B.

Unparalleled efficiency

Get more done with an easy-to-use platform designed for all business users.

Full compliance

Protect customer data and stay compliant with built-in GDPR, PSD2/SCA and global tax regulations.

Payments and orders, built together from the start

Only Shopify has payments built directly into its commerce platform, driving higher conversions and simpler operations.
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  • 1Based on the 2024 global authorization rates of the top 20 payment processors by volume on Shopify.
  • 2As of Feb 11, 2025, more than 200 million shoppers have used Shop Pay to complete purchases on Shopify-powered stores.