Setting up Shopify Payments

Note

Shopify Payments is available only to stores in the United States, Puerto Rico, Canada, the United Kingdom, and Australia. It is not available to US territories except Puerto Rico.

This article will walk you through the process of activating Shopify Payments on your store. Click the option below that best describes you to get the most accurate walkthrough.

Merchant eligibility

  1. Shopify Payments can be used in tandem with PayPal Express Checkout. You do not need to disable PayPal Express Checkout to enable Shopify Payments.

  2. Your store must be operating in the USA, Canada, the UK, or Australia.

  3. While we would love to provide payment services to as many of our stores as possible, there are certain industries and business types which our banking partners prevent us from offering services to. A small percentage of merchants operating in "high risk" categories or selling certain types of products will be contacted by the Shopify risk team after the Shopify Payments account setup has been completed.

I'm opening a new store

  1. New stores in the USA, Canada, the UK, and Australia are set up with Shopify Payments by default. This allows you, the merchant, to accept credit cards "out-of-the-box" without any additional configuration required.

  2. To be fully approved to accept credit cards, and to allow us to pay you for your orders, we are required to collect some basic information about you and your business. You can do this by clicking the Complete Shopify Payments account setup button on the Payments settings screen.

    Onboarding screen 2

    Note

    Some banks include their three digit institution number with your transit number. When entering your account details, you should include the institution number as well.

    We encourage you to complete your account setup before launching your store to avoid any payout delays. Our banking partners require us to collect a few additional details about your business to ensure that what you're selling is approved and legal under the credit card brand regulations.

  3. After clicking Complete Shopify Payments account setup you'll be directed to fill out this form:

    Onboarding screen 3

    You can make a few customizations on this form, including how your business will appear on your customers' credit card statement by selecting an appropriate billing descriptor. Note that your descriptor will always contain the prefix "SP *" which stands for "Shopify Payments".

    Did you know?

    If you are using Shopify Payments in Canada, you can choose to be paid out in US dollars (USD) or Canadian dollars (CAD). You will need a USD bank account to be paid out in USD.

  4. When you're satisfied, you can submit the form by clicking Complete account setup.

    Onboarding screen 4

Caution

While we would love to provide payment services to as many of our stores as possible, there are certain industries and business types which our banking partners prevent us from offering services to. A small percentage of merchants operating in "high risk" categories or selling certain types of products will be contacted by the Shopify risk team after the Shopify Payments account setup has been completed.

I already accept payments on Shopify with Stripe

If you're already using Stripe as your credit card gateway, and you've previously activated your Stripe Account, it's as easy as two clicks to enable Shopify Payments on your store. Once activated, you will no longer need to log into Stripe to reconcile payments or view your payout schedule. Everything will be manageable right within Shopify.

  1. On your Dashboard screen you'll encounter this screen where you can click the Get started button:

    Migrating from stripe 1

    Now you're just one click away from activating Shopify Payments! Take note that since you already have an existing Stripe account, you're pre-approved for Shopify Payments and we migrate over your Stripe information to Shopify payments including banking and business details. This means that throughout the whole process, you retain your original Stripe account. If your current plan has 0% subscription transaction fees, we will waive the card rate on your first 10 transactions this month after you make the switch!

  2. Click Accept credit cards with Shopify Payments to complete the migration:

    Migrating from stripe 2

If necessary, you can make changes to your bank account and billing descriptor in your Shopify Payments settings.

FAQ about migrating from Stripe

  • 1. Q: What happens to my Stripe account after migration?

    • A: It remains intact - for use on any other websites you sell on, or to use as a virtual terminal. Stripe will continue to pay you for your pending sales that were accepted on Shopify before migrating to Shopify Payments. Also, you can continue to log into your stripe account at https://manage.stripe.com.
  • 2. Q: Can I revert back to Stripe once I've migrated to Shopify Payments?

    • A: No. At least not at the current time. If you really need to move back to Stripe, please reach out to support@shopify.com to see if there has been any advancement.
  • 3. Q: Can I access all of my customers stored on Stripe?

    • A: Yes, again through https://manage.stripe.com - but charging customers on demand, or recurring billing functionality is not yet part of Shopify Payments.

I already accept payments on Shopify through a third party processor (for example, Authorize.net)

If you're currently using any other payment gateway supported by Shopify (for example, Authorize.net, PayPal Pro, Chase Paymentech, etc.) you can migrate to Shopify Payments by making a few clicks, and filling out a basic application form.


  1. On your Dashboard screen you'll encounter this screen where you can click the Get started button:

    Migrating from stripe 1

    You can scroll down on this page to read about some of the great features of Shopify Payments.

  2. Click the Accept credit cards with Shopify Payments button.

    Migrating from other gateway 2

  3. This will bring up a form that gathers additional information about you and your business. Go ahead and fill it out! The process is quick and easy, and it's necessary to get your store fully approved to accept credit cards, and to allow us to pay you for your orders.

    Here's a preview of what it looks like:

    Onboarding screen 3

  4. Once you have completed filling out the form, click to Complete account setup:

    Onboarding screen 4

I don't think cases 1-3 apply to me (everyone else)

You can always enable Shopify Payments from your Payments Settings screen. You can have only one credit card gateway enabled at one time. Therefore if you have a credit card gateway enabled or partially enabled, it must first be deactivated before you can enable Shopify Payments. To deactivate, read step 1 below. If you're not currently using a gateway at all, skip to step 2 to move forward.

Step 1.

Navigate over to your Payments Settings screen

  • Click Edit
Edit gateway
  • Now click Deactivate.
Deactivate gateway
  • Click again to confirm the deactivation.

Step 2.

With no other payment gateway enabled, you can go ahead and choose Shopify Payments from the Select a Credit Card Gateway drop-down menu.

Select gateway closed

Shopify Payments should top the list recommended for your shop. If it doesn't, just read through the alphabetical list until you locate Shopify Payments.

Select gateway shopify payments

Step 3.

At this point, you will either be able to scroll down and click Activate or Reactivate - depending on your store's history.

Select gateway reactivate

If you clicked to Reactivate then click Complete Shopify Payments account setup

Select gateway complete setup

Step 4.

  1. This will bring up a form that gathers additional information about you and your business. Go ahead and fill it out! The process is quick and easy, and it's necessary to get your store fully approved to accept credit cards, and to allow us to pay you for your orders.

    Here's a preview of what it looks like:

    Onboarding screen 3
  2. Once you have completed filling out the form, click to Complete account setup:

    Onboarding screen 4

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