Third-party payment gateways

If you're not using Shopify Payments and you want to accept credit cards, you can choose from over 70 ecommerce payment gateways for your Shopify store.


If your customers use this payment method, you will be charged transaction fees for their purchases. To avoid transaction fees, you can activate Shopify Payments.

What's a payment gateway?

An ecommerce payment gateway is a service that authorizes credit card payments and processes them securely with a user’s merchant account. Often, a merchant account and payment gateway are set up in one process through the same company.

Shopify supports two different types of payment gateway: direct gateways and external gateways. If you're using a direct gateway, your customers can complete their purchases directly on your online store without having to pay at a third-party checkout. If you're using an external gateway, your customers must complete their purchases on a checkout page that's hosted outside of your online store.

Did you know?

Not sure if your payment gateway is a direct gateway or an external gateway? Check the list of frequently used direct and external gateways.

You activate or change a payment gateways from the Payments page of your admin.

What's a merchant account?

When you take a credit card payment, the funds are transferred to your merchant account, which is an account that you hold directly with a bank, not with us. Every merchant has full responsibility for the transactions that occur with their merchant account, and each bank has its own terms of service to which account‐holders must adhere.


You can't use prepaid bank cards as bank account credentials to receive payouts from Shopify Payments.

Activate a payment gateway

To activate a gateway:

  1. From your Shopify admin, click Settings, then click Payments (or press G S P).

  2. In the Accept credit cards section, click Select a credit card gateway, then choose from the drop-down list.

  3. Follow the in-admin setup instructions for that payment gateway.


If you're based in the United States, Puerto Rico, Canada, the United Kingdom, or Australia, then you can use Shopify Payments to accept payment by credit card. It is not available to US territories except Puerto Rico.

Change your payment gateway

To use a different credit card payment gateway:

  1. From your Shopify admin, click Settings, then click Payments (or press G S P).

  2. Find the Accept Payments section, then click Edit, followed by Change gateway.

    General gateway 1

  3. If you are using an active payment gateway, disable it now by clicking Disable.

  4. Select another payment gateway from the drop-down menu.

    Payment gateway 4
  5. A panel will appear where you can enter your access details.

  6. Click Activate.

    Payment gateway 5

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