shopify payments
Category: news & trends
Shopify Payments News and Updates 2026
2026 brought fraud dashboard upgrades, BNPL to UK/Australia, multi-currency payout beta. Track via Shopify Changelog.
New Features Rolled Out in 2026
- Fraud Dashboard (Q1): Transparent risk signals, auto-actions.
- BNPL Expansion (Q1): Shop Pay Installments to UK/AU.
- Tap to Pay: More countries, no hardware.
Regulatory and Compliance Updates 2026
PCI v4.0 full, tighter KYC for EU. SCA/3DS2 auto-handled. Update docs promptly. See PCI Council.
Market Expansion — New Countries Added in 2025–2026
Czech Republic, Romania joined. Onboard: verify business, link local bank.
Shopify Payments Terms of Service
Read full at shopify.com/legal/terms-payments. Covers prohibited items, reserves, termination, data, disputes. Not legal advice—consult pros.
Prohibited Businesses and Restricted Product Categories
| Category | Status | Consequence |
|---|---|---|
| Firearms | Prohibited | Suspension |
| Adult content | Prohibited | Suspension |
| CBD | Restricted | Review needed |
| Alcohol | Restricted | Licensing docs |
Check support pre-activation. Violations freeze funds.
Account Holds, Reserves, and Fund Freezes
Rolling (5–10% held 90 days) or fixed. Triggers: chargebacks >1%, spikes. Resolve: docs in 1–5 days.
Shopify Payments Fees and Pricing (2026)
Zero extra fees—key edge.
| Plan | Monthly | Online Fee | In-Person |
|---|---|---|---|
| Basic | $39 | 2.0% + 30¢ | 2.0% + 0¢ |
| Shopify | $105 | 1.0% + 30¢ | 1.0% + 0¢ |
| Advanced | $399 | 0.6% + 30¢ | 0.5% + 0¢ |
Transaction Fee Breakdown by Plan
| Revenue | Basic | Shopify | Advanced |
|---|---|---|---|
| $50k | $1,000 | $500 | $300 |
Upgrade pays at scale.
Fee Comparison — Shopify Payments vs. Others
| Shopify Payments | Stripe | PayPal | |
|---|---|---|---|
| Online fee | 2.0%–0.6% + 30¢ | 2.9% + 30¢ | 3.49% + 49¢ |
| Shopify extra | 0% | 0.5%–2% | 0.5%–2% |
Payment Methods and Providers in Shopify
Cards, wallets, BNPL, local methods, manual. Shopify Payments unlocks seamless ones.
Local Payment Methods Supported by Shopify Payments
| Method | Region | Via Shopify Payments |
|---|---|---|
| iDEAL | Netherlands | Yes |
| Bancontact | Belgium | Yes |
| SEPA | EU | Yes |
Boost conversions locally.
Manual Payment Methods in Shopify
- Settings → Payments → Manual.
- Add method, instructions.
- Mark paid manually.
Third-Party Payment Providers vs. Shopify Payments
100+ options, but +0.5%–2% fees. Use for unsupported countries or niches.
| Provider | Extra Fee | Use Case |
|---|---|---|
| PayPal | 0.5%–2% | Global trust |
| Stripe | 0.5%–2% | API control |
How to Set Up and Activate Shopify Payments
- Settings → Payments → Complete setup.
- Business details, bank.
- Upload ID, verify (1–3 days).
- Enable methods, test.
Have ID, EIN ready.
Testing Your Shopify Payments Setup
| Card | Scenario |
|---|---|
| 4242424242424242 | Success |
| 4000000000000002 | Decline |
Shopify Payments Fraud Protection and Chargebacks
ML scoring flags risks: AVS, IP, velocity.
Chargebacks cost $15 + reversal. Respond fast with tracking, 3DS proof.
Shopify Payments Account Issues — Troubleshooting Guide
Holds? Check email, upload docs. Lifts 1–3 days.
Payout delays: verify bank, threshold.
Frequently Asked Questions About Shopify Payments
Can I Use Shopify Payments and PayPal at the Same Time?
Yes. PayPal as extra option, but +fees.
What Happens If Shopify Payments Is Not Available in My Country?
Third-party like Stripe. +0.5%–2% fees.
Can I Switch to Shopify Payments from Another Gateway?
Yes. Activate, wait pendings, deactivate old.
Is Shopify Payments PCI Compliant?
Yes, Level 1.
How Do Shopify Payments Payouts Work?
2–3 days, daily/weekly/monthly.
Related Resources
- Shopify Help — Payments (April 2026).
- Terms of Service.
- Changelog.
What Is Shopify Payments?
How Shopify Payments Works — Payment Flow
Customer enters card at checkout. Shopify Payments authorizes via Stripe to card network. Issuing bank approves or declines. Funds capture—auto or manual. Payout hits your bank on schedule. [IMAGE: Diagram of Shopify Payments payment flow. Alt: Shopify Payments flow: customer checkout to merchant payout in 5 steps.]
Supported Countries, Currencies, and Eligibility
Country Available Currencies Notes United States Yes USD All plans Canada Yes CAD All plans United Kingdom Yes GBP All plans Australia Yes AUD All plans Germany Yes EUR All plans France Yes EUR All plans Japan Yes JPY All plans Supported countries for Shopify Payments (April 2026) Over 130 currencies via Shopify Markets. Need: local business, bank account, valid ID. Expansions hit Czech Republic, Romania in 2024–2025.
Shopify Payments vs. Third-Party Payment Gateways — Key Differences
Parameter Shopify Payments Third-Party Extra Shopify fee 0% 0.5%–2% Setup Built-in Separate account Payouts Shopify Admin Gateway dashboard Countries 20+ Global Shopify Payments vs. third-party gateways Choose Shopify Payments for unity and savings where available. Third-party for restricted cases or globals.
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