10+ Best Payment Gateway Apps on Shopify

Key Highlights

• The global payment gateway industry is expanding rapidly, valued at USD 48.17 billion in 2025 and projected to reach USD 245.71 billion by 2033, driven by the rise of digital payments and e-commerce growth.
• Payment gateway apps act as a secure bridge between customers and merchants, enabling fast, safe, and frictionless transactions across multiple payment methods.
• This blog contains a curated list of the best Shopify payment gateway apps, along with key features and use cases to help you choose the right option for your store.
• It also includes a quick comparison table, FAQs, and insights on how different payment gateways impact Shopify checkout performance and conversions.

The global payment gateway industry is growing rapidly as businesses shift toward digital and cashless transactions. With the rise of e-commerce, mobile wallets, and seamless checkout experiences, payment gateways have become a key part of online store success.

According to reports, the global payment gateway market is currently valued at approximately USD 48.17 billion in 2025 and is projected to reach nearly USD 245.71 billion by 2033, reflecting the strong global shift toward faster and more secure digital payments.

In this guide, we will explore the best Shopify payment gateway apps, their key features, and how they can help you optimize checkout performance and increase conversions for your online store.

What are payment gateway apps?

Payment gateway apps are tools that allow online stores like Shopify to securely accept and process customer payments through different methods such as credit and debit cards, UPI, wallets, net banking, and digital payment systems.

They act as a bridge between the customer’s bank and the merchant’s store, ensuring that transactions are completed safely, quickly, and without friction. These apps also add extra features like fraud protection, multi-currency support, and faster checkout options, helping businesses improve trust, reduce cart abandonment, and increase overall sales.

These tools play a key role in Shopify payment processing, ensuring every transaction is secure, fast, and seamless for both merchants and customers.

Quick comparison table: Best Shopify payment gateway apps

Here is a quick comparison of the best payment gateway for Shopify based on features and use cases:

S.No.	Payment gateway	What it offers	Why use it on Shopify
1	Shopify Payments	Multi-payment support (COD, BNPL, bank transfers), built-in security, zero setup complexity	Native to Shopify, removes friction from checkout and simplifies setup
2	Razorpay	100+ payment methods, 180+ currencies, COD risk engine, RTO protection	Ideal for Indian sellers needing strong COD and UPI support
3	Adyen	Conversion optimization, unified payment management, higher authorization rates	Improves payment success rates and reduces failed transactions
4	Square Payments	Multiple payment methods, built-in security, fast fund access	Supports online and offline selling while improving cash flow
5	Paytm	UPI and wallet payments, easy integration, flexible settlements	Popular and trusted among Indian customers
6	PayPal	Global payments, buyer and seller protection, no monthly fees	Builds trust and supports international sales
7	Authorize.net	Real-time reporting, centralized management, payment links and invoices	Provides flexible payment collection options
8	PayU	150+ payment methods, international payments, cost-effective processing	Supports local and global customers while controlling costs
9	Stripe	Online and in-person payments, invoicing, global scalability	Ideal for growing businesses and international expansion
10	BillDesk	Direct bank integrations, billing infrastructure, enterprise reliability	Strong option for Indian businesses using net banking and traditional payment methods

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List of best payment gateway Shopify apps for your brand

1. Shopify Payments

Shopify Payments is the built-in payment solution that comes ready with your Shopify store. No third-party accounts to set up, no credentials to hunt down and paste in. It just works from day one. Whether your customers are around the corner or across the globe, Shopify Payments ensures they can always check out on their own terms.

What this payment gateway offers?

• Pay How They Want, From Wherever They Are: From COD and bank transfers to Buy Now Pay Later, your store supports every customer’s preferred payment method, locally and globally.
• Security Baked In, Not Bolted On: All payment data is fully protected with built-in security systems that safeguard both customers and businesses during every transaction.
• Zero Setup Headaches: Shopify Payments is built into your store, requiring no external provider, merchant account, or complex credential setup.

Pricing: Comes with Shopify plan

Why use it with Shopify?

Shopify Payments is the one tool on your store that was never meant to be an add-on. It was designed to be the foundation. Everything else in your store runs smoother when payments are not a separate puzzle to solve. It removes the friction between you and your first sale and keeps it gone.

2. Razorpay

Razorpay is one of the most popular Shopify payment providers for Indian merchants, especially because of its strong COD and UPI support. It simplifies the entire payment flow, helping reduce drop-offs and ensuring smoother order completion with a single integration.

What this payment gateway offers?

• Every Payment Method, Every Currency: Supports 100+ payment options and 180+ currencies, allowing customers from anywhere in the world to complete payments seamlessly.
• Smart COD Risk Engine: Uses real-time intelligence to evaluate COD orders, helping approve trusted customers while reducing risky transactions and potential losses.
• 100% RTO Reimbursement: Protects your business from return-to-origin losses by covering eligible cases, ensuring zero financial impact from genuine returns.

Payment Method	Fee
Standard platform fee	2%
Platform fee (first 90 days)	0%*

Pricing varies across cards, UPI, EMI, and international payments. Explore the complete price breakdown here.

Why use it with Shopify?

Shopify gives you the store. Razorpay ensures every order actually converts into revenue. From the first click to the final payment, it integrates directly into your Shopify workflow with no friction or technical complexity.

For Indian sellers where COD is unavoidable, it helps protect revenue by identifying risky orders before they are shipped.

3. Adyen

Adyen is a unified payment platform that helps businesses manage online payments, optimize checkout performance, and gain better visibility across the entire customer payment journey.

Designed for growing and enterprise brands, it combines payment processing, risk management, and transaction optimization within a single system, helping merchants create smoother purchasing experiences while reducing operational complexity.

What this payment gateway offers?

• Full-Funnel Conversion Optimization: Offer local and global payment methods to reduce checkout abandonment and improve conversion rates.
• Simplified Payment Operations: Manage payment processing, reporting, and acceptance through a single integration.
• Higher Authorization Rates: Use machine learning to reduce failed transactions and strengthen fraud protection.

Payment method	Region	Fee
Mastercard	Global	$0.11 + Interchange++ 0.60%

For pricing on other payment methods (Visa, Amex, PayPal, bank transfers, and more), see full pricing details.

Why use it with Shopify?

Not every failed transaction is caused by a customer changing their mind. Sometimes payments fail because of authorization issues, fraud checks, or processing inefficiencies. Adyen helps Shopify merchants recover more successful transactions through data-driven payment optimization and machine learning insights.

For brands processing large transaction volumes, even small improvements in approval rates can translate into significant revenue gains.

4. Square Payments

Square Payments helps businesses accept payments through multiple channels while keeping transactions simple, secure, and easy to manage. Whether customers shop online, in-store, or through mobile devices, Square provides a connected payment experience designed to support businesses of all sizes.

What this payment gateway offers?

• Flexible Payment Options: Accept card payments, digital wallets, contactless payments, and other popular payment methods through a single platform.
• Built-In Security Standards: Protect transactions with secure payment processing that helps businesses meet industry compliance requirements.
• Fast Access to Funds: View and access sales revenue quickly, helping maintain healthy cash flow and support day-to-day operations.

Pricing:

Plan	Monthly cost
Square Free	$0 per month per location
Square Plus	$49 per month per location
Square Premium	$149 per month per location
Square Pro	Custom pricing

Why use it with Shopify?

Cash flow plays a major role in running a business. Square Payments helps Shopify merchants accept payments through multiple channels while providing quick access to sales revenue.

This makes it easier to manage daily operations, reinvest in growth, and keep business finances moving without unnecessary delays.

Beyond one-time sales, you can grow a stable income with the best subscription Shopify apps for your brand.

5. Paytm

Paytm is the payment gateway that Indian businesses have grown up on. With over 600 million transactions processed every single month and a name that practically every Indian shopper already recognises and trusts, adding Paytm to your Shopify store means your customers arrive at checkout already comfortable with what they see. That familiarity alone converts.

What this payment gateway offers?

• Easy Shopify Integration: Paytm connects smoothly with your Shopify store, allowing you to start accepting payments with minimal setup effort.
• Flexible Settlement Options: Choose settlement schedules that align with your business needs and cash flow requirements.
• Dedicated Merchant Support: Access dedicated business support to quickly resolve issues and keep your payment operations running smoothly.

Pricing:

Plan	Platform fee
Standard Pricing Plan	1.99% on all transactions
Enterprise Pricing Plan	Custom pricing

Why use it with Shopify?

India continues to rely heavily on UPI and digital wallet payments, and Paytm remains one of the most widely used options. For customers shopping from tier 2 and tier 3 cities, Paytm is often a familiar and trusted payment method.

Supporting Paytm on your Shopify store helps you reach a broader segment of Indian buyers and makes the checkout experience more comfortable for customers who prefer local payment solutions.

6. PayPal

PayPal is one of the most widely recognized payment platforms for international transactions. Available in over 200 countries, it has built strong trust among online shoppers over the years.

For Shopify stores, PayPal does more than process payments. Its presence can increase customer confidence and reassure global buyers that they are purchasing from a credible and secure online store.

What this payment gateway offers?

• Protection for Buyers and Sellers: Advanced fraud detection helps create a secure payment experience for both customers and merchants.
• Globally Recognized Payment Option: PayPal is trusted and widely used across millions of online stores, making checkout familiar and convenient for customers.
• Transparent Pricing Structure: There are no registration or monthly fees, and charges apply only when a successful transaction is completed.

Pricing:

Payment method	Pricing
Card Processing	Starting at 2.89% + $0.29 per transaction
PayPal and Venmo	3.49% + $0.49 per transaction
Pay Later	4.99% + $0.49 per transaction
Tap to Pay and POS	Starting at 2.29% + $0.09 per transaction

Why use it with Shopify?

For Shopify stores serving international customers, PayPal can play a key role in improving checkout confidence and reducing cart abandonment.

Many global shoppers are already familiar with and trust PayPal, making them more comfortable completing purchases on stores they may be visiting for the first time. This added layer of trust can help support higher conversion rates in international markets.

7. Authorize.net

Authorize.net is a payment gateway designed to help businesses manage transactions, monitor performance, and collect payments through multiple channels. By combining payment acceptance with business insights and flexible payment tools, it gives merchants greater visibility and control over their payment operations.

What this payment gateway offers?

• Real-Time Business Insights: Track key payment and transaction data through customizable dashboards that update as activity happens.
• Centralized Payment Management: Access important payment information and business tools from a unified workspace to support faster decision-making.
• Flexible Ways to Get Paid: Accept payments through payment links, QR codes, and digital invoices, giving customers more convenient payment options.

Pricing:

Plan	Monthly fee
All in One	$25 per month
Gateway Only	$25 per month
Gateway + eCheck	$25 per month

Why use it with Shopify?

Not every customer wants to pay through a traditional checkout page. Authorize.net gives Shopify merchants additional ways to collect payments through links, QR codes, and invoices, making it easier to get paid in different selling scenarios.

Combined with real-time reporting tools, it helps businesses stay informed while simplifying payment collection.

8. PayU

PayU is a payment gateway that helps businesses accept payments from a wide range of customers while supporting both domestic and international transactions. With extensive payment coverage and cost-effective processing, it enables merchants to create a convenient checkout experience while managing payment expenses efficiently.

What does this payment gateway offer?

• Extensive Payment Choices: Support 150+ payment methods, giving customers the flexibility to pay using their preferred option.
• Global Payment Acceptance: Receive payments from international customers and expand your business beyond local markets.
• Cost-Conscious Payment Processing: Keep payment operations efficient with pricing structures designed to support business growth.

Pricing:

Transaction type	Processing fee	Additional details
Visa, Mastercard, Net Banking, BNPL, and Wallets	2%	Applicable to domestic transactions only
Diners, American Express, EMI, and International Transactions	3%	Applicable to the listed payment methods and international transactions

Why use it with Shopify?

Expanding into new markets often means supporting different payment preferences and managing additional costs. PayU helps Shopify merchants serve a broader customer base with extensive payment coverage while maintaining cost-effective payment processing.

For businesses looking to attract both local and international shoppers, it offers a practical foundation for growth.

9. Stripe

Stripe is one of the most trusted international payment gateway for Shopify merchants use for global transactions and scaling businesses. Processing US$1.9 trillion in 2025 alone, it is more than a payment gateway; it is a complete financial backbone.

For Shopify store owners looking for a unified setup that supports online checkout, in-person payments, and business invoicing, Stripe brings everything together in one system without unnecessary complexity.

What this payment gateway offers?

• Take Your Store Offline Without Switching Tools: Stripe Terminal extends your Shopify payment system to physical stores and pop-up locations, allowing in-person payments with a flexible setup that can be adapted to your business needs.
• Send Professional Invoices That Actually Get Paid: Create and send branded invoices directly through Stripe, with customizable payment terms and support for both card and bank transfer payments in one place.
• Plug Into Your Store Without Starting From Scratch: Stripe’s ready-to-use ecommerce integrations allow quick connection with your Shopify store, enabling smooth setup without rebuilding your existing workflow.

Pricing:

Plan	Pricing
Standard	2% for cards issued in India; 3% for cards issued outside India
Custom	Custom pricing

Why use it with Shopify?

Stripe sits behind Shopify’s own payment infrastructure for a reason. It is built for businesses that do not want to outgrow their payment stack. Whether you are taking your first order or processing thousands a day, handling domestic sales or expanding globally, it is designed to scale with you.

For Shopify merchants who want reliability, flexibility, and a system that grows without friction, Stripe is one solution that does not need replacing over time.

10. BillDesk

BillDesk has been quietly powering payments in India for over two decades, long before UPI existed and before most businesses even understood payment gateways. Today, it processes billions of transactions annually for some of India’s largest banks, insurers, and enterprises.

For your Shopify store, BillDesk brings the same institutional-grade reliability to every checkout, backed by strong trust and long-standing relationships with Indian financial institutions.

What this payment gateway offers?

• Direct Connections That Do Not Break: BillDesk integrates directly with banks, card networks, and wallets through secure APIs, helping reduce intermediaries and improving transaction reliability.
• End to End Billing Infrastructure Built for India: It offers a complete payment collection ecosystem, supporting billers, agents, and network operators within a unified system designed for Indian businesses.
• Reliability Trusted by Large Enterprises: With decades of operational experience and deep integration across major financial institutions, BillDesk is built to handle high transaction volumes with consistent stability.

Pricing: Pricing is custom and available on request

Why use it with Shopify?

For Shopify merchants serving customers across tier 2 and tier 3 India, where net banking and utility-linked payments are still widely used, BillDesk helps reach payment channels that many other gateways may not fully cover.

Its strong banking partnerships and long-established infrastructure make it a dependable option for stores that cannot afford checkout failures or payment disruptions.

If you want to improve overall store performance beyond payments, you can explore best Shopify apps to increase sales for more growth tools.

Conclusion

The right Shopify payment gateway depends on your audience and market. Using a mix of local and global options like Razorpay, PayPal, Stripe, and Apple Pay helps reduce friction, improve trust, and increase conversions. A well-balanced payment stack ensures smoother checkouts and higher revenue.

Alongside optimizing payments, platforms like AiTrillion can further enhance your store’s performance by helping you boost conversions, automate marketing, and improve customer retention from a single dashboard. If you’re ready to scale faster, book a free AItrillion demo and see it in action.

Frequently asked questions (FAQs)

Question: What are the best payment gateway apps for Shopify?
Answer: The best payment gateway apps for Shopify depend on your business requirements, customer location, and preferred payment methods. Some of the most popular options include:

• Shopify Payments
• Razorpay
• Adyen
• Square Payments
• Paytm
• PayPal
• Authorize.net
• PayU
• Stripe
• BillDesk

Question: Can I use multiple payment gateways on Shopify?
Answer: Yes. Many Shopify stores use multiple payment gateways together (for example, Razorpay + PayPal + Stripe) to offer customers more payment options and reduce checkout abandonment.

Question: Which payment gateway is best for Indian Shopify stores?
Answer: Razorpay, Paytm, PayU, and BillDesk are popular choices for Indian Shopify merchants because they support UPI, wallets, net banking, and local payment preferences.

Question: Which payment gateway is best for international sales?
Answer: PayPal, Stripe, Adyen, and Shopify Payments are widely used for international transactions due to their global payment support, multi-currency capabilities, and strong customer trust.

Question: Can payment gateways affect conversion rates?
Answer: Yes. A smooth, secure, and trusted checkout experience can significantly improve conversions. Offering multiple payment methods and reducing payment failures helps lower cart abandonment and increase sales.