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How to set up Shopify Payments on Shopify

beginner 8 min read Updated 2026-03-18
Quick Answer

Shopify Payments can be set up directly from your Shopify admin by navigating to Settings > Payments and completing the account setup process. You'll need to provide business information, banking details, and verify your identity to start accepting credit card payments with competitive rates.

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Prerequisites

  • Active Shopify store
  • Valid business registration
  • Business bank account
  • Government-issued ID for verification

Step-by-Step Instructions

1

Access Payment Settings

Log into your Shopify admin dashboard and navigate to Settings in the bottom left corner. Click on Payments from the settings menu to access your payment configuration options.
Make sure you're logged in as the store owner or have payment management permissions.
2

Select Shopify Payments

In the Accept credit cards section, click Choose third-party provider if you see other options, then select Shopify Payments from the list. If Shopify Payments appears as the default option, click Complete account setup.
Shopify Payments availability varies by country - ensure it's supported in your region.
3

Enter Business Information

Fill out the required business details including:
  • Legal business name and address
  • Business type and industry
  • Tax identification number
  • Website URL and business description
Ensure all information matches your official business registration documents.
Double-check all information for accuracy as incorrect details can delay approval.
4

Add Banking Information

Provide your business bank account details where you want to receive payouts:
  • Bank account number
  • Routing number (US) or equivalent
  • Account holder name
Select your preferred Payout schedule (daily, weekly, or monthly).
Use a business bank account rather than personal account to avoid potential issues.
5

Identity Verification

Upload required documents for identity verification:
  • Government-issued photo ID
  • Business registration documents
  • Bank statement or voided check
Take clear photos or scans and ensure all text is readable before uploading.
Processing times are faster with high-quality document images that show all corners and text clearly.
6

Configure Payment Methods

In the Accepted payment methods section, enable the credit cards you want to accept (Visa, Mastercard, American Express, etc.). You can also enable Shop Pay, Apple Pay, and Google Pay for faster checkout options.
Enabling multiple payment methods can increase conversion rates by giving customers more options.
7

Review and Submit

Review all entered information carefully, then click Save or Submit for review. Shopify will review your application, which typically takes 1-3 business days. You'll receive email updates about your application status.
You can continue setting up your store while waiting for approval, but you won't be able to process live payments until approved.
8

Test Payment Processing

Once approved, test your payment setup by placing a test order or using Shopify's test mode. Navigate to Settings > Payments and ensure Shopify Payments shows as Active. Check that all enabled payment methods appear correctly at checkout.
Always test with a small amount first to ensure payouts are working correctly to your bank account.

Common Issues & Troubleshooting

Shopify Payments not available in my region

Shopify Payments is only available in select countries. Use alternative payment gateways like PayPal, Stripe, or local payment providers available in the Third-party providers section.

Account verification rejected or delayed

Ensure all documents are clear and legible. Business information must exactly match your registration documents. Contact Shopify Support if rejection reason is unclear or resubmit with corrected documentation.

Bank account verification failing

Verify that bank account details are correct and the account accepts ACH transfers. Some credit unions or international banks may not be compatible. Contact your bank to confirm account number and routing number format.

High transaction fees appearing

Review your Shopify plan - higher tier plans have lower Shopify Payments rates. Check for any additional fees in Settings > Payments > View all rates and consider upgrading your plan if processing volume is high.

Prices mentioned in this guide are pulled from current plan data and may change. Always verify on the official Shopify website before purchasing.
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