Shopify Payment Gateway Review 2020

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By Rob Binns | Senior Writer

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Shopify Payments ReviewRating
Ease of Use
Help & Support
Reviewed by Expert Market:15/05/2019

Shopify is a managed ecommerce platform that lets you manage products, stock inventory, customers’ orders, and more. The platform includes an easy-to-use content management system (CMS), and currently powers over 500,000 sites around the world.

While Shopify merchants are able to accept payments with a third party gateway, they can also use Shopify Payments, the platform’s own payment processing system which removes transaction fees. Shopify is integrated with over 100 payment gateways worldwide, allowing you to sell through Facebook, Instagram, Amazon, Snapchat, and eBay.

Shopify payment gateways

In addition to Shopify Payments, which doesn’t impose transaction fees on Shopify stores, there are approximately 100 payment providers worldwide to choose from – 43 of which are currently available in the UK. These include Amazon Pay, BitPay,, Worldpay, and Sezzle.

However, if you decide to set up a Shopify store, you’ll need to use either Shopify Payments, or one of the payment providers that Shopify has partnered with – that’s Sage Pay, Worldpay or PayPal – in order to accept payments from your customers.

Which is the best one for you will depend on many factors. Here, we’ll review some of the more popular ones, along with Shopify Payments.

Shopify PaymentsShopify's own built in payment system powered by Stripe. Easy to implement.
Sage PayOne of the most popular payment gateways out there, and also a good solution for Shopify merchants. Sophisticated and highly professional.
PayPalAn easily implemented solution available to almost anyone, though it lacks a professional touch.
WorldPayA highly popular, widely accepted solution for Shopify merchants.

Shopify’s payment gateways

Shopify Payments

Shopify Payments is powered by Stripe, one of the world’s largest payment processors. Offering transparent credit card fee pricing and zero Shopify transaction fees, it’s easy to set up, and you can start accepting payments immediately.  The credit card fee that Shopify charges will depend on the Shopify price plan you choose.

For more information, read our Shopify Review.

Note: these are transaction fees imposed by credit card providers, and not by Shopify.

Price planTransaction feeCredit card charge

Sage Pay

Sage Pay is a popular Shopify payment gateway, and one with an excellent reputation for security and customer care. While you will need a merchant account – either with Sage Pay or an alternative provider – the Sage Pay Payment Gateway is easy to set up.

While most Shopify merchants will choose to use the Sage Pay hosted payment page, it’s also possible to fully integrate Sage Pay so that you can collect card details on your own website – although you will require PCI DSS certification for this. Server integration and iFrame integration are also possible.

For more information, read our Sage EPOS Review.

Price planMonthly feeTransaction feeCredit card charge
Sage Pay Flex£19.902.09%12p
Sage Pay Plus£45.002.09%10p
CorporateCall for a quote


Despite the competition, PayPal remains the most popular payment gateway that you can use with Shopify. Its advantage is that it can be set up almost immediately, and it doesn’t require the merchant to have a merchant account – you simply transfer the balance in your PayPal account to your bank account.

The downside is that it’s expensive for merchants with low sales volumes. Payment processing charges range from 1.9% plus 20p per transaction up to 3.4% plus 20p per transaction, depending on your sales volume.

For more information, read our PayPal Card Machine Review.


Worldpay is the second most popular Shopify payment gateway. Setting up a Worldpay account is straightforward, and the company claims that it accepts over 90% of applicants. While small businesses are likely to opt for Worldpay hosted payment pages, larger businesses can integrate the gateway in their own websites.

Worldpay’s payment gateway provides state of the art security, as well as other features like real-time data reports that make it a fully professional solution.

For more information, read our WorldPay Review.

PlanMonthly feeTransaction feeCredit card charge
Pay monthly£19.952.75%
Pay as you go2.75%20p (credit and debit cards)

Expert verdict

The best payment gateway for your Shopify ecommerce platform will depend on your sales volume. If online selling is new to you, then you might find it better to start with either Shopify Payments or PayPal, even if you are paying a little more. These are easy to set up, and you don’t need a merchant account to do so.

As your business grows, you should consider switching to a more professional gateway, such as Sage Pay. This has many more advanced features, giving your customers an even better shopping experience.

On top of that, your business will look more professional. You can apply for a merchant account with Sage Pay (or an alternative provider) while you continue to use PayPal in the interim.

▶ Find out more: Best credit card machines for small business

Next steps

Comparing quotes is an excellent way to narrow down the payment systems that best suit your online shop. However, contacting each payment processing provider separately can be a hassle – that’s where we come in.

Simply tell us about your business’ needs using our quick form, and you’ll receive tailored quotes directly from trusted payment companies. This is a great time saver, and could save you money, too – why not give it a try?

Rob Binns Expert Market
Rob Binns Senior Writer

Rob writes mainly about the payments industry, but also brings industry-specific knowledge of CRM software, social media monitoring, and invoice finance. When not exasperating his editor with bad puns, he can be found relaxing in a sunny corner, with a beer and a battered copy of Dostoevsky.

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