Is Shopify Payments available everywhere?

No, it is limited to supported countries. If your country is not covered, you need a third-party gateway and will pay the extra transaction fee.

Can you use PayPal alongside Shopify Payments?

Yes. PayPal Express can run as an additional option, and many stores keep it because some buyers strongly prefer it.

Why was my payout held?

Usually a verification or risk review. Complete any requested document upload in the admin and payouts resume; it is common on new accounts.

Shopify Payments Setup, Plain and Simple

Set up Shopify Payments under Settings then Payments: complete the business and personal details, add a bank account for payouts, and verify your identity. Activation removes third-party transaction fees and unlocks Shop Pay, which measurably lifts checkout conversion for most stores.

What you need before you start

Have your business details (or sole proprietor details), a government ID, and a bank account ready. The name on the bank account must match the business or personal name on the account. Mismatches are the top reason payouts get held.

The activation flow

In the admin, go to Settings then Payments and click Activate Shopify Payments. Enter the requested details carefully; the form is verified against real records and typos cause reviews that take days. Choose payout settings and enable the wallets you want: Shop Pay, Apple Pay, and Google Pay are all included.

Fees and what they replace

With Shopify Payments active, you pay only the card rate for your plan. Without it, Shopify adds a third-party transaction fee on top of whatever your gateway charges. For most stores the card rate through Shopify Payments is the cheapest realistic option, which is why it is the default recommendation.

After activation

Run a test order so you see the full customer flow. Watch the first payout schedule; initial payouts can take a few extra days while risk checks complete. If your store sells anything age-restricted or regulated, read the acceptable use terms first, because some categories need a different gateway.

Frequently asked questions

Is Shopify Payments available everywhere?: No, it is limited to supported countries. If your country is not covered, you need a third-party gateway and will pay the extra transaction fee.
Can you use PayPal alongside Shopify Payments?: Yes. PayPal Express can run as an additional option, and many stores keep it because some buyers strongly prefer it.
Why was my payout held?: Usually a verification or risk review. Complete any requested document upload in the admin and payouts resume; it is common on new accounts.