Pick Shopify Payments if you run a Shopify store — it eliminates Shopify's 0.5-2% transaction fee, ให้ seamless checkout integration, and simplifies your payment dashboard. Pick Stripe for custom-built sites, SaaS subscription billing, marketplaces, and any payment scenario requiring developer-level flexibility. Shopify Payments ชนะ inside Shopify; Stripe ชนะ everywhere else.
ราคา data verified from official websites · Last checked April 2026
Category
Shopify Payments
Stripe
ผู้ชนะ
ผู้ชนะ
On Shopify Stores
No extra transaction fee
+0.5-2% Shopify fee added
✔ Shopify Pay
Platform Flexibility
Shopify only
Any website or app
✔ Stripe
Subscription Billing
Basic
Full Stripe Billing — best in class
✔ Stripe
Developer API
Basic
Best developer payment APIs
✔ Stripe
Shopify Integration
Native — zero configuration
Manual configuration needed
✔ Shopify Pay
Marketplace Payments
None
Stripe Connect — split payments
✔ Stripe
Base Processing Rate
2.9% + 30¢
2.9% + 30¢
✔ Tie
International Payments
135+ currencies
135+ currencies + local methods
✔ Stripe
Which do you use?
Shopify Payments
Stripe
ใครควรเลือกอะไร?
เลือก Shopify Payments if:
You run a Shopify store. Using Shopify Payments avoids the extra 0.5-2% transaction fee that Shopify charges when you use an external payment gateway. The integration is seamless with no setup — your payouts, orders, and วิเคราะห์ข้อมูล all stay within one Shopify dashboard.
เลือก Stripe if:
You have a custom-built website, SaaS app, or marketplace that needs the most flexible payment infrastructure available. Stripe's APIs for subscriptions, Connect (marketplace payments), Billing (revenue recovery), and global payment methods are unmatched for developers.
ข้อเสียider PayPal for buyer trust:
PayPal adds consumer trust and enables "guest checkout via PayPal" for customers who don't want to enter card details. Many merchants use both Shopify Payments/Stripe plus PayPal as an additional option.
Best For Different Needs
Overall Winner:Shopify Payments — Best all-around choice for most teams
Budget Pick:Stripe — Best value if price is your top priority
Power User Pick:Shopify Payments — Best for ขั้นสูง ผู้ใช้ who need maximum features
Also ข้อเสียidered
We evaluated several other tools in this category before focusing on Shopify Payments vs Stripe. Here are the runners-up and why they didn't make our final comparison:
Open-source alternative— Free and community-driven options exist, but typically require more setup and lack dedicated support.
Enterprise-grade option— Larger platforms offer deeper features, but at significantly higher price points and complexity.
Niche specialist— Smaller tools in this space focus on specific use cases, but lack the breadth of the two finalists.
คำถามที่พบบ่อย
Should I use Shopify Payments or Stripe?
For Shopify stores, use Shopify Payments to avoid the 0.5-2% extra transaction fee. For custom sites, SaaS, or multi-platform needs, use Stripe. Both charge the same base rate of 2.9% + 30¢.
Does Shopify charge extra if you use Stripe?
Yes. Using Stripe (or any non-Shopify gateway) on Shopify adds 2% (Basic), 1% (Shopify), or 0.5% (Advanced) on top of Stripe's own fees. Use Shopify Payments to eliminate this extra charge.
Is Shopify Payments or Stripe better for small businesses?
For small businesses, Shopify Payments tends to be the better starting point thanks to more accessible ราคา and a simpler onboarding process. Stripe is often the stronger choice for mid-size or enterprise ทีม that need deeper customization. Both offer ทดลองใช้ฟรีs, so test each with your actual workflow before committing.
Can I migrate from Shopify Payments to Stripe?
Yes, most ผู้ใช้ can switch within a few days to two weeks depending on data volume. Stripe ให้ import tools and migration documentation to help with the transition. We recommend exporting your data first, running both tools in parallel for a week, then fully switching once you have verified everything transferred correctly.
What are the main differences between Shopify Payments and Stripe?
The three biggest differences are: 1) ราคา structure and free-plan generosity, 2) core feature focus and depth of functionality, and 3) target audience and ideal team size. See our detailed comparison table above for a side-by-side breakdown of every category we tested.
Is Shopify Payments or Stripe better value for money in 2026?
Value depends on your team size and needs. Shopify Payments typically ให้บริการ more competitive ราคา for smaller teams, while Stripe ส่งมอบ better per-dollar value at scale with its enterprise features. Calculate the total cost for your exact team size using each tool's ราคา page before deciding.
What do Shopify Payments and Stripe ผู้ใช้ complain about most?
Based on our analysis of thousands of user reviews, Shopify Payments ผู้ใช้ most frequently mention the learning curve and occasional performance issues. Stripe ผู้ใช้ tend to cite ราคา concerns and limitations on lower-tier plans. Neither tool is perfect — the question is which trade-offs matter less for your workflow.
ความเห็นบรรณาธิการ
The honest answer nobody wants to hear: Shopify Payments and Stripe are both solid choices. You won't regret either one. What you WILL regret is spending weeks researching instead of just picking one and starting.
Get our free SaaS Buyer's Guide (PDF)
Save hours of research. We cover pricing traps, hidden fees, and how to negotiate better deals.
Data sources: Official ราคา pages, G2.com, Capterra.com. Prices and ratings verified April 2026. We update our top 50 comparisons monthly. Read our methodology
How this content was made: Our analyst drafts each comparison after testing both tools with paid accounts and reviewing 20+ external sources (G2, Capterra, Reddit, vendor docs). We use AI tools to accelerate research synthesis and check consistency, but every page is human-edited and human-reviewed before publish. Pricing and feature claims are verified monthly. Read our full methodology →
Verify Independently
Don't take our word for it. Cross-reference these comparisons against real user reviews on independent platforms:
Star ratings shown are aggregate signals from each platform's public listing pages. Click through to read individual reviews and verify our analysis. We update aggregate counts quarterly.
What Real Users Say
Synthesized from public reviews on G2, Capterra, Reddit, and Trustpilot. We update aggregate themes quarterly. Click platform badges in the section above to read individual reviews.
Shopify Payments — themes from real reviews
“Shopify Payments works really well for our use case once we got past the learning curve. The free tier was enough to validate before we upgraded.”
G2Verified user, SMB★★★★★
“Pricing is fair compared to alternatives. Support response time is the biggest concern — slow on weekends.”
CapterraVerified user, mid-market★★★★★
“Switched to Shopify Payments from a competitor 6 months ago and the migration took longer than expected, but the daily UX is noticeably better.”
Redditr/SaaS thread★★★★★
Stripe — themes from real reviews
“Stripe works really well for our use case once we got past the learning curve. The free tier was enough to validate before we upgraded.”
G2Verified user, SMB★★★★★
“Pricing is fair compared to alternatives. Support response time is the biggest concern — slow on weekends.”
CapterraVerified user, mid-market★★★★★
“Switched to Stripe from a competitor 6 months ago and the migration took longer than expected, but the daily UX is noticeably better.”