Top Shopify Payment Gateways 2025

Discover the best payment gateways for your Shopify store in 2025 and learn how each can boost your online business. We’ll quickly go over Shopify’s key options in payment gateways for seamless customer transactions, from PayPal to Stripe and more.

When selecting the right ecommerce platform for your business, choosing a platform that allows you to choose from a wide range of payment methods is crucial to your business.

Shopify, one of the world’s leading ecommerce solutions, is a platform that allows you to process all major and emerging payment methods securely. However, with dozens of payment options available on Shopify, selecting the most suitable payment gateway can be challenging, especially given different business needs, customer payment preferences, and the varying fees and costs attached to each transaction.

In this guide by Ecommerce Pro, we are diving into Shopify payment gateways of 2025. Whether you’re just starting or looking to scale your brand, this guide will help you make an informed choice to boost your ecommerce success.

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What Is a Payment Gateway?

A payment gateway is a payment technology that helps you process payments online securely and efficiently. A payment gateway acts as an intermediary that encrypts and transfers sensitive data, like payment details, from the customer to the merchant’s bank.

Payment gateways often have other features, like analytics and fraud protection, while also supporting multiple payment methods and various currencies.

For ecommerce businesses, payment gateways are vital for facilitating smooth transactions and ensuring customers feel secure during checkout.

Some of the essential functions of a payment gateway include:

Authorization: Verifying the legitimacy of a customer’s bank or card details.
Encryption: Securing sensitive customer information.
Transaction Processing: Managing the transfer of funds.
Fraud Protection: Monitoring transactions for unusual activity.
Reporting: Providing merchants with transaction history and performance insights.

Top Shopify Payment Gateways
1. Shopify Payments

For businesses using the Shopify ecommerce platform and Shopify POS, Shopify Payments is easily the top choice for payment gateways. For one, Shopify Payments is the native payment gateway of the platform, consolidating payment processing, order management, and analytics into one unified system under the Shopify platform.

With Shopify’s native payment gateway, you can save on the hefty transaction fees that tend to stack up. Payment processing fees are from 0.6 (depending on your plan and region), with a currency conversion fee of 1.5% in the US and 2% in all other areas.

Accepted payment methods include all major and emerging payment methods, including credit cards, digital wallets, and local payment methods.

Shopify Payments is not yet available in all countries and regions, however. If you're outside of a supported region, the Shopify Payments gateway won’t be an available option, and you’ll have to search for other options like the ones listed below.

2. PayPal

PayPal is a popular payment gateway that’s used by a global customer base. For those who do business across multiple regions and countries, the PayPal payment gateway is a top choice.

It stands as one of the most-used payment gateways in ecommerce, providing robust support for international transactions. It’s also quick to set up, and payments can be quickly executed by customers with their one-click checkout—a fast-lane payment service that can boost your conversions.

PayPal can have higher transaction fees and other associated charges. There is also the possibility of your account getting put on hold.

3. Stripe

For high-volume stores that also operate internationally, Stripe is a great choice. This popular payment gateway enjoys a global reach and a strong partnership with international financial institutions, allowing businesses to accept transactions from a worldwide audience, supporting over 135 different currencies.

They're also known for their commitment to security and compliance with industry standards that make your customers feel secure when they shop with you.

Another key advantage of Stripe is its user-friendly integration process and robust API This flexibility allows for seamless customization and a smooth checkout experience for customers.

One of the cons is that choosing Stripe as your payment gateway may come with some initial technological complexity during setup and their relatively high processing fee of 2.9% + 30 cents.

4. Worldpay

Worldpay, now part of FIS, is a global financial services company that’s perfect for high-volume businesses and larger enterprises. Wordplay is a secure and integrated payment solution that allows your ecommerce store to process credit card payments directly from your Shopify website.

This payment gateway operates in 150 countries and supports over 120 currencies, allowing your global customer base to easily and securely complete purchases with your website.

However, their payment processing fees are quote-based— this complex fee structure gives way to hidden costs and a lack of transparency. Setup takes a longer time and requires technical expertise.

5. Klarna

Popular for its buy now, pay later (BNPL) model, having Klarna as a payment gateway and payment option in your Shopify online store is a great way to boost conversions as installment payments for online orders increase in popularity.

The reason behind the growing popularity of BNPL is that it allows your customers to manage their funds and still make their desired purchases, paying in installments with no risk to the merchants.

Klarna may come with higher transaction fees and complex integration. Moreover, Shopify also has its native buy now, pay later solution through Shop Pay Installments.

6. Square

Square is a popular payment processing company known for its user-friendly interface and mobile-first approach. It provides a range of solutions for businesses of all sizes, including a point-of-sale (POS) system for you to manage sales in physical locations. The payment gateway also handles online payments, of course, including mobile transactions, and supports various payment methods, including credit cards, debit cards, and digital wallets. Square offers additional features, such as invoicing, payroll, and analytics, to help businesses manage their finances and operations.

While Square is a popular choice for many businesses, it's important to be aware of some potential drawbacks, like higher transaction fees that go from 2.6% + 10 cents and limited customization.

7. Ayden

Adyen is a payment platform that can manage global transactions, providing a range of solutions for businesses to accept payments online and in-person sales. Their platform offers a unified experience that provides payment processing, real-time analytics, and risk management in a single solution.

With Ayden, you’ll be able to enjoy global reach, accepting payments in over 100 countries in over 180 currencies and using 200 different electronic payment methods.

Another plus point for Ayden is its relatively low and fixed transaction fee of €0.11 + a variable fee that’s determined by the payment method. However, you may encounter complex integrations and a steep learning curve to master its features and functionalities.

8. Authorize.net

Accept payments anytime, anywhere with Authorize.net. This payment gateway is another true all-arounder, allowing you to process payments online, in person, over the phone, through e-checks, and more, covering the payment types your customers prefer.

Ultimately, what Authorize.Net offers its users is flexibility, caters to diverse customer preferences, and expands payment reach. Highly secure, this payment gateway is compliant with all industry standards for data security.

For businesses featuring a subscription-based model of business, Authorize.Net facilitates recurring billing for subscription-based businesses, allowing customers to sign up for automatic payments at checkout, giving you the potential to boost sales.

Payment processing fees are competitively priced, from 10¢ + daily batch fee 10¢, making it a prime option for Shopify Merchants on the hunt for a good payment gateway. However, integrating Authorize.Net might require some technical knowledge, particularly for advanced customization.

9. Amazon Pay

Amazon Pay is an online payment service that allows customers to use their existing Amazon account information to make purchases on external websites and apps. Having this payment gateway available to Amazon shoppers is a great way to offer shoppers convenience and improve their conversion rates. It simplifies the checkout process by pre-filling shipping and billing information, reducing friction and improving the overall shopping experience.

Being eligible for Amazon Pay means you’ll have to have Shopify Payments activated, and it is, for now, only available for shoppers based in the United States, with shops selling products and services in USD.

When it comes to fees, all Amazon Pay transactions are subject to your Shopify Payments pricing agreement and are based on your Shopify subscription plan. There are no additional fees for Amazon Pay transactions.

How to Choose a Payment Gateway

With all of the payment gateway options available on Shopify, it's important to know how to choose the right one for your business and your paying customers. Below, we highlight the key factors you need to take into consideration before selecting a payment gateway.

1. Understand Your Business Needs

Each business has its own needs, which means that the “right” payment gateway is different for each business. Here’s what you need to consider:

Sales Volume: High-volume businesses may benefit from gateways with lower transaction fees or volume-based discounts, such as Adyen or Stripe. Make sure to go over the different transaction fees and make comparisons to see which gateway is best for your business.
Target Market: Choose gateways that support currencies and payment methods commonly used in your target regions. For instance, Klarna is ideal for regions where Buy Now, Pay Later is popular.

2. Assess Transaction Fees and Costs

Carefully review all the charges (some of which may be hidden) before settling on a payment gateway. For international operations, you’ll also need to go over the additional charges for currency conversion or cross-border transactions. You’ll have to carefully compare fees across gateways and select the one that minimizes costs without sacrificing service quality and security to you and your customers.

3. Security Features and Fraud Prevention

While security and fraud protection are a given for popular payment gateways, it's always best to review what you’re getting when you settle for one payment gateway over the other. Consider gateways that are PCI DSS compliant and have certifications to ensure customer data is secure with every transaction in your store.

4. Evaluate Payment Methods and Currencies

For Shopify businesses operating across regions and borders, you need to choose a gateway that supports diverse currencies and different payment options, including credit/debit cards, digital wallets, and the local preferred payment methods. Having a global brand means ensuring compatibility with your customers’ preferred payment options.

5. Customer Experience and Support

The level of customer support and past customer experience are also crucial in selecting the right payment gateway for your Shopify store. Go for gateways that provide accessible customer support and resources in case of technical issues. You don’t want to be left hanging when customers encounter issues with payment, inadvertently losing your chance of closing a sale.

Also, opt for fast, seamless checkout experiences, such as PayPal’s one-click checkout or Amazon Pay’s pre-filled forms.

6. Global Reach and Scalability

If you operate internationally or plan to grow to and sell across borders, you need to select a gateway with global capabilities, such as Stripe, to support your expansion. You’ll also need to consider the regions you’ll be expanding to and learn about their preferred payment methods.

Conclusion

Selecting the right payment gateway is crucial to your online business's profitability and ability to close sales. By carefully evaluating your options, you’ll be well-equipped to make a choice that aligns with your business needs and goals, capturing sales and boosting your bottom line.