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INRShopify Payments alternatives for stores where it isn't available
As of 6 Nov 2026, Shopify Payments works in 41 countries and regions, including Mexico but not the Philippines, Kenya or Vietnam. Stores elsewhere can take card payments with Vezmo's invoices and payment links today, at $3.08 on a $100 US card (its Shopify app is coming soon), or use PayPal, a local provider from Shopify's list or manual payments such as bank transfer. Shopify adds a third-party fee: 2% on Basic, 1% on Grow and 0.6% on Advanced.
In this article
- 01Where is Shopify Payments available?
- 02What does Shopify charge when you use another provider?
- 03How did we choose and rank these options?
- 04The 5 best Shopify Payments alternatives
- 05What does a $100 order cost with each?
- 06Which options work in Mexico, the Philippines, Kenya and Vietnam?
- 07How do Shopify payouts work, and what if Shopify Payments isn't in your country?
- 08How do you set up payments without Shopify Payments?
- 09Questions
- 10Sources
Where is Shopify Payments available?
Shopify Payments is Shopify's own way to take card payments at checkout. Shopify's help center says you can use it if your business is located in one of the countries it lists, and on 6 Nov 2026 it listed 41.
Australia
Austria
Belgium
Bulgaria
Canada
China
Croatia
Cyprus
Czechia
Denmark
Estonia
Finland
France
Germany
Gibraltar
Greece
Hong Kong SAR
Hungary
Ireland
Italy
Japan
Latvia
Liechtenstein
Lithuania
Luxembourg
Malta
Mexico
Netherlands
New Zealand
Norway
Poland
Portugal
Romania
Singapore
Slovenia
Spain
Sweden
Switzerland
UAE
UK
United States
Philippines
Kenya
Vietnam
Your business also has to be in a category Shopify Payments supports. Shopify help: Supported countries for Shopify Payments
So a store in the Philippines, Kenya or Vietnam needs another way to take payments, and so does a store whose business category Shopify Payments doesn't accept, wherever it is.
What does Shopify charge when you use another provider?
Every Shopify plan lists a third-party transaction fee. Shopify charges it on orders paid through a third-party payment provider instead of Shopify Payments, on top of what that provider charges you.
| Shopify plan | Price, paid yearly | Price, paid monthly | Third-party fee | On a $100 order |
|---|---|---|---|---|
| Basic | $29 a month | $39 a month | 2% | $2.00 |
| Grow | $79 a month | $105 a month | 1% | $1.00 |
| Advanced | $299 a month | $399 a month | 0.6% | $0.60 |
| Plus | From $2,300 a month | From $2,300 a month | 0.2% | $0.20 |
- The same fee where Shopify Payments isn't available: Shopify's pricing pages for the Philippines and Vietnam list 2% on Basic, 1% on Grow and 0.6% on Advanced too. Its help center adds that where Shopify Payments isn't available, the fee is credited back in proportion when you refund an order.
- No fee on manual payments: cash on delivery, money orders and bank transfers carry no third-party fee.
- PayPal: exempt only when Shopify Payments is your primary provider, which isn't possible where Shopify Payments isn't available.
- US stores: if Shopify manages your US sales tax, you can't use a third-party provider until you set your sales tax to self-directed.
How did we choose and rank these options?
Vezmo wrote this list and is one of the options in it. Every fee and rule about another company comes from its own pricing or help page, opened on 6 Nov 2026. We looked at four things for a store that can't use Shopify Payments:
- Can a store in your country use it? We checked Mexico, the Philippines, Kenya and Vietnam.
- Can customers pay by card?
- What a $100 order costs, with the provider's fee and Shopify's fee added together.
- What you pay every month before any order, such as Authorize.net's $25.
Our order: Vezmo first, because it's ours: its invoices and payment links take cards in all four example countries, at $3.08 on a $100 US card, though they sit outside Shopify checkout until its Shopify app arrives. Then PayPal, because it works in all four countries, takes cards and many buyers know it. Then a local provider from Shopify's list, which you check for your own country. Manual payments next: they work everywhere with no Shopify fee, but take no cards. Authorize.net only helps stores in the US and Canada.
The 5 best Shopify Payments alternatives
- 1
Vezmo invoices and payment links
Open todayBest for custom, wholesale and invoiced orders, while Vezmo's Shopify app is coming soonVezmo is a financial technology company, not a bank. Its Shopify app is coming soon. Today a store can send customers a VezmoPay invoice or payment link for an order handled outside Shopify checkout, paid by card, ACH, Apple Pay or Google Pay.
- Who can use it
- Businesses, including freelancers, in the US, Mexico, Brazil, the Philippines, Kenya, Vietnam, the UAE, Singapore, Malaysia and more; checked when you apply.
- VezmoPay's fee
- 2.79% + $0.29 per card charge: $3.08 on $100. +1% for cards issued outside the US.
- At Shopify checkout
- Not yet: the Shopify app is coming soon. A provider inside Shopify checkout pays Shopify's third-party fee.
- Payouts
- Free to your bank, when you choose.
Watch for: Invoices and payment links sit outside Shopify checkout, so you match each payment to its order yourself. Rates are starting rates, confirmed in writing when we approve your account, and we or our partners may hold a payout or place a reserve, for example while we review an account or to cover disputes.
2PayPal
Open todayBest for a payment button buyers already knowShopify connects PayPal Express Checkout to your store, and customers pay with a PayPal balance, a card, a bank account or buyer credit. Shopify sets up a PayPal Express Checkout account with each new store.
- Who can use it
- Shopify stores in the countries PayPal serves. PayPal Express Checkout isn't available to merchants in France or the US, who offer PayPal through Shopify Payments instead.
- PayPal's fee
- Set by your PayPal account's country. PayPal accounts in the Philippines, Kenya and Vietnam pay 4.40% + $0.30 on a payment from another country: $4.70 on $100.
- Shopify's fee
- The third-party fee applies (2% on Basic), unless Shopify Payments is your primary provider.
Watch for: On a $100 order from a buyer abroad, a store in the Philippines on Shopify Basic pays $4.70 to PayPal and $2.00 to Shopify.
- 3
A local provider from Shopify's list
Open todayBest for local cards and payment methods in your countryShopify says it works with over 100 credit card payment providers, and its payment gateways page shows the ones available in each country or region.
- How to find one
- On Shopify's payment gateways page, choose your country to see the providers available there, then add one from the Payments page of your Shopify admin.
- Two kinds
- A direct provider takes the payment on your store. With an external provider, customers finish on a checkout page hosted outside your store.
- Shopify's fee
- The third-party fee applies: 2% on Basic, 1% on Grow, 0.6% on Advanced.
Watch for: Each provider sets its own rates, payout times and sign-up rules, and they differ by country. Compare their own price lists before you choose.
- 4
Manual payments
Open todayBest for cash on delivery and bank transfers, with no Shopify feeShopify lets you add manual payment methods such as cash on delivery (COD), money orders and bank transfers. The order starts unpaid, and you mark it paid once the money arrives.
- Who can use it
- Any Shopify store.
- Fees
- No Shopify third-party fee. Your bank's own charges apply to transfers.
- How customers pay
- Straight to you, by bank transfer or in cash when the order is delivered.
Watch for: There are no card payments, and you check each payment yourself before you mark the order paid and ship it.
5Authorize.net
Open todayBest for US and Canadian stores whose business category Shopify Payments doesn't acceptShopify lists Authorize.net among its third-party payment providers. It sells an all-in-one plan with a merchant account, or a gateway-only plan for a merchant account you already have.
- Who can use it
- Businesses physically located in the US and Canada, according to its contact page.
- Its fee
- $25 a month. All-in-one: 2.9% + 30¢ per transaction, $3.20 on $100, subject to eligibility. Gateway only: 10¢ per transaction plus a 10¢ daily batch fee.
- Shopify's fee
- The third-party fee applies: on Basic, $3.20 + $2.00 = $5.20 on $100.
Watch for: It doesn't help a store outside the US and Canada: Authorize.net sends those businesses to Cybersource.
What does a $100 order cost with each?
Shopify Payments2.9% + 30¢ on US pricing (3.5% + 30¢ on premium cards), no third-party fee; only where it's available$3.20- Authorize.net$3.20 all-in-one + $2.00 to Shopify, plus $25 a month (US and Canada)$5.20
- PayPal$4.70 from a buyer abroad, on a Philippine, Kenyan or Vietnamese account + $2.00 to Shopify$6.70
- A local providerEach provider's own price listIts fee + $2.00
Fees before conversion and optional add-ons. Shopify's fee is 1% on Grow and 0.6% on Advanced. Manual payments carry no Shopify fee and no card fee, and take no cards. Vezmo isn't in the bars because its Shopify app is coming soon; a VezmoPay invoice or payment link costs 2.79% + $0.29 ($3.08 on $100), a starting rate confirmed when we approve your account.
| Option | Who can use it | Provider's fee on $100 | Shopify's fee (Basic) | Cards |
|---|---|---|---|---|
| Vezmo invoices and payment links | US, Mexico, Philippines, Kenya, Vietnam and more | $3.08 on a US card | Outside Shopify checkout; app coming soon | Yes |
| Shopify Payments (for comparison) | 41 countries | $3.20; $3.80 premium cards (US pricing) | None | Yes |
| PayPal | Where PayPal serves* | $4.70 from abroad* | $2.00 | Through PayPal |
| A local provider | Your country's list | Its own prices | $2.00 | Depends |
| Manual payments | Any store | Your bank's charges | None | No |
| Authorize.net | US, Canada | $3.20 + $25 a month | $2.00 | Yes |
* PayPal Express Checkout isn't available to merchants in France or the US. $4.70 is 4.40% + $0.30, what PayPal accounts in the Philippines, Kenya and Vietnam pay on a payment from another country.
Which options work in Mexico, the Philippines, Kenya and Vietnam?
| Option | Mexico | Philippines | Kenya | Vietnam |
|---|---|---|---|---|
| Vezmo invoices and links | Can apply | Can apply | Can apply | Can apply |
| Shopify Payments | Yes | No | No | No |
| PayPal | Yes | Yes | Yes | Yes |
| Manual payments | Yes | Yes | Yes | Yes |
| Authorize.net | No | No | No | No |
Shopify Payments: Shopify's list of supported countries. PayPal: each country's PayPal fee page lists its rates for receiving payments. Vezmo: we check each business when it applies; its Shopify app is coming soon. Local providers differ by country: see Shopify's payment gateways page.
In Mexico, Shopify Payments is usually the simpler choice, because Shopify charges no third-party fee on it. In the Philippines, Kenya and Vietnam, compare PayPal and the local providers on Shopify's list, and keep manual payments for customers who prefer to pay by bank transfer or on delivery.
How do Shopify payouts work, and what if Shopify Payments isn't in your country?
With Shopify Payments, Shopify sends your sales to the payout account you set up: a checking or current account that meets its requirements for your country, or a Shopify Balance account. Here is how a payout travels, in Shopify's own example for a store with 3 business days to settle.
- FriSaleYour customer paysCharges captured from Friday to Sunday are grouped and sent together as one payout.
- Wed+3 business daysShopify sends the payoutWeekends and public holidays don't count toward settlement, and payouts aren't processed on them.
- +1–3daysIt shows in your bankShopify says funds might take another 1 to 3 days to appear in your bank account. Into Shopify Balance, a payout can arrive within 1 business day.
| Where the store is | Minimum settlement time | Minimum payout |
|---|---|---|
| Australia | 2 business days | None |
| US, Canada, UK, most of the EU, New Zealand | 3 business days | None in the US, Canada and New Zealand; €1 or £1 in most of Europe |
| Singapore, Hong Kong SAR | 4 business days | 1 SGD; 10 HKD |
| Japan, UAE | 5 business days | 5 JPY; 20 AED |
| Mexico | 7 business days | 10 MXN |
- Schedule: daily, weekly or monthly (Japan: weekly or monthly), and switching costs nothing. Change it under Settings › Payments › Manage › Payouts schedule; pending payouts then wait for the next date on the new schedule. In the US and France, payouts may arrive earlier and more than once a day.
- Slower cases: ACH direct debit payments can take up to 4 business days to settle, and Shopify says the minimum time also depends on your risk level.
- Reserves: Shopify can hold part or all of your transaction funds for a set period, as a fixed amount or a percentage, to cover disputes and refunds.
- Account holds: while Shopify Payments holds your account (for example over missing information or incorrect bank details), you can't receive payouts until the reason is resolved.
Where Shopify Payments isn't available, there are no Shopify payouts. Each way of taking payment pays you on its own terms:
| Option | Where the money goes | Then |
|---|---|---|
| Vezmo invoices and payment links | Your Vezmo balance (Shopify app coming soon) | Free to your bank, when you choose; we or our partners may hold a payout while we review an account |
| PayPal | Your PayPal balance | You withdraw to your bank, with fees set by your PayPal account's country |
| A local provider | Its own account or settlement | On the provider's own payout terms |
| Manual payments | Straight to your bank account, or cash on delivery | You mark the order paid in Shopify |
How do you set up payments without Shopify Payments?
- 1Check Shopify Payments firstIf your country is on the list and your business category is supported, it usually costs the least on Shopify, because it carries no third-party fee.
- 2Pick a card provider for your countryUse Shopify's payment gateways page to see the providers available where your business is, then compare their own price lists and payout terms.
- 3Add it in your Shopify adminShopify's help center says you can activate or change a payment provider from the Payments page of your Shopify admin.
- 4Add PayPal and manual methodsA PayPal button and a bank transfer or cash on delivery option give customers who don't want to enter a card another way to pay.
- 5Count Shopify's fee in your pricesOn Basic, 2% of every order paid through a third-party provider goes to Shopify. On Grow it's 1%: paid yearly, Grow costs $50 a month more than Basic, so it pays for itself from $5,000 a month of such orders.
Selling online without Shopify too? See Square alternatives for online sellers and Vezmo vs PayPal.
Questions
Is Shopify Payments available in my country?
As of 6 Nov 2026, Shopify's help center lists 41 countries and regions, including the US, Canada, the UK, most of the EU, Australia, Japan, Singapore, the UAE and Mexico. The Philippines, Kenya and Vietnam aren't on the list. Your business category also has to be one Shopify Payments supports.
Do I pay Shopify's third-party fee if Shopify Payments isn't available where I am?
Yes. Shopify's pricing pages for the Philippines and Vietnam list the same 2% on Basic, 1% on Grow and 0.6% on Advanced. Where Shopify Payments isn't available, Shopify credits the fee back in proportion when you refund an order.
Which payment options have no Shopify fee?
Shopify Payments itself, and manual payments such as cash on delivery, money orders and bank transfers. PayPal is exempt only when Shopify Payments is your primary provider.
Can I use PayPal on Shopify without Shopify Payments?
Yes, through PayPal Express Checkout, except for merchants in France and the US. Shopify's third-party fee applies to those PayPal orders, and PayPal charges its own fee, set by your PayPal account's country.
How long do Shopify payouts take?
With Shopify Payments, the minimum settlement time depends on where your store is: 2 business days in Australia, 3 in the US, Canada, the UK and most of the EU, up to 7 in Mexico. Weekends and holidays don't count, and Shopify says funds might take another 1 to 3 days to appear in your bank. You can set payouts daily, weekly or monthly.
Can I get Shopify payouts if Shopify Payments isn't available in my country?
Not from Shopify Payments. Each provider you use instead pays you on its own terms: PayPal into your PayPal balance, a local provider by its own payout terms, manual payments straight to your bank. Vezmo's invoices and payment links pay into your Vezmo balance, free to your bank when you choose; its Shopify app is coming soon.
Does Vezmo work with Shopify?
Not inside Shopify checkout yet: Vezmo's Shopify app is coming soon. Today a store can send customers a VezmoPay invoice or payment link, for example for a custom or wholesale order. Businesses in the US, Mexico, Brazil, the Philippines, Kenya, Vietnam and more can apply; we check each one. Cards cost from 2.79% + $0.29.
Is Vezmo a bank?
No. Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks.
Sources
Each one is the organization’s own page, checked 6 Nov 2026. Rules and fees change, so check them before you act.
- Shopify help: Supported countries for Shopify Payments
- Shopify: Pricing (US)
- Shopify: Pricing (Philippines)
- Shopify: Pricing (Vietnam)
- Shopify help: Third-party transaction fees
- Shopify help: Third-party payment providers
- Shopify: Payment gateways by country
- Shopify help: PayPal Express Checkout
- Shopify help: Manual payment methods
- PayPal: Merchant fees, Philippines (updated 28 Oct 2026)
- PayPal: Merchant fees, Kenya (updated 28 Oct 2026)
- PayPal: Merchant fees, Vietnam (updated 28 May 2026)
- Authorize.net: Pricing
- Authorize.net: Contact us
- Vezmo: VezmoPay pricing
- Vezmo: Pricing
- Shopify help: Shopify Payments payouts (read 7 Nov 2026)
- Shopify help: Shopify Payments payout timing (read 7 Nov 2026)
- Shopify help: Scheduling your Shopify Payments payouts (read 7 Nov 2026)
- Shopify help: Reserves in Shopify Payments (read 7 Nov 2026)
- Shopify help: Shopify Payments account holds (read 7 Nov 2026)
- Shopify help: Bank account requirements (read 7 Nov 2026)
- Shopify help: Shopify Payments requirements in the US (read 7 Nov 2026)
Vezmo is a financial technology company, not a bank. Banking, stablecoin and card services are provided by regulated partners & Banks. Last reviewed 7 Nov 2026.
