10 Mejores Alternativas a Shopify Payments para 2026
Mejores alternativas a Shopify Payments
Dirigir una tienda Shopify significa que no tienes tiempo para complicaciones con los pagos—pero Shopify Payments aún puede provocarte comisiones de transacción altas, métodos de pago limitados o problemas si vendes a nivel internacional.
Si estás cansado de retrasos en los pagos, protección antifraude poco fiable u opciones de pago que no cumplen con las expectativas de tus clientes, es momento de considerar alternativas.
He estado en la trinchera—gestionando inventario, almacenes, ventas internacionales y marketing ecommerce—por eso sé cómo un procesador de pagos inadecuado puede ralentizar tu proceso de compra y tus beneficios.
El correcto te da flexibilidad, mejores tasas de conversión y una sensación de control sobre el procesamiento de tus pagos.
Esta guía elimina el ruido y te presenta las mejores alternativas a Shopify Payments: cuánto cuestan, cómo gestionan tarjetas y billeteras digitales, cómo es su protección antifraude y si su soporte al cliente realmente ayuda.
Por qué confiar en nuestras reseñas de software
Estamos probando y analizando software de gestión minorista desde 2021. Como operadores del sector, sabemos cuán fundamental y difícil es elegir el software correcto. Invertimos en una investigación exhaustiva para ayudar a nuestra audiencia a tomar mejores decisiones de compra.
Hemos probado más de 2.000 herramientas para distintos casos de uso en gestión minorista y escrito más de 1.000 reseñas de software completas. Descubre cómo mantenemos la transparencia y revisa nuestra metodología de evaluación de software.
Comparando lado a lado las mejores alternativas a Shopify Payments
¿Necesitas el resumen TL;DR de los mejores pasarelas de pago? Aquí tienes una comparación rápida sobre precios, períodos de prueba y para qué sirve cada alternativa a Shopify Payments—para que puedas identificar la opción ideal para tu tienda online sin perderte en la letra pequeña.
| Tool | Best For | Trial Info | Price | ||
|---|---|---|---|---|---|
| 1 | Best for flexible payment options | Free plan available | From $35/month | Website | |
| 2 | Best for payment customization | Free demo available | From $15/month | Website | |
| 3 | Best for omnichannel integration | Not available | From $0.13 processing fee + payment method fee | Website | |
| 4 | Best for payment customization | Not available | From 1% (minimum fee of 1.00 USD or equivalent) | Website | |
| 5 | Best for AI-driven fraud protection | Free demo available | Pricing available upon request | Website | |
| 6 | Best for global tax compliance | Free demo available | From 3.5% + $0.35/transaction | Website | |
| 7 | Best for AI-driven fraud protection | Free demo available | From 2.60% + 10¢ per transaction | Website | |
| 8 | Best for payment customization | Free demo available | From 2.90% + $0.30/successful card transaction | Website | |
| 9 | Best for large‑scale enterprise processing | Free demo available | Pricing available upon request | Website | |
| 10 | Best for Canadian businesses | Free demo available | Pricing available upon request | Website |
Las 10 mejores alternativas a Shopify Payments, analizadas
Aquí es donde entramos en detalles. Más abajo encontrarás mi análisis práctico de las características destacadas, precios, integraciones y soporte de cada proveedor de pagos—para que sepas exactamente lo que obtienes antes de tomar una decisión.
Square is a payment and point-of-sale (POS) platform designed for small and medium-sized businesses across industries like retail, food and beverage, and professional services. It combines payment processing, hardware, and business management tools to help you accept payments online and in person.
Why it’s a good Shopify Payments alternative: I picked Square because it offers a broader mix of hardware and software tools that let you accept payments anywhere—whether you’re in-store, online, or on the move. For small businesses, the ability to get started with free POS software and then expand into add-ons like inventory tracking and customer management makes it especially appealing. Also, Square’s focus on customer engagement—through features like digital receipts and loyalty programs—can help you keep customers returning without needing extra tools.
Standout features & integrations:
Features include team management for staff scheduling and payroll, cash flow management for monitoring your finances, and multiple hardware options such as Square Register and Square Terminal for handling sales in different environments.
Integrations include QuickBooks Online, Mailchimp, WooCommerce, Shopify, Wix, Google Sheets, Gmail, Zoho CRM, Slack, Asana, MailerLite, and Pipedrive.
Pros and Cons
Pros:
- Strong analytics and reporting
- Free POS system included
- Wide variety of POS hardware
Cons:
- Limited marketplace integrations
- Higher fees for large sellers
New Product Updates from Square
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Square introduced updates for restaurant service, including pre-discount auto-gratuity calculations, table merging, and a real-time cart preview during item configuration. The enhancements help staff manage orders, checks, and pricing more efficiently. For more information, visit Square’s official site.
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EBizCharge is a payment processing solution designed for businesses across various industries, including automotive, healthcare, and education. It offers services like credit card and eCheck processing, fraud prevention, and accounts receivable automation.
Why it's a good Shopify Payments alternative: EBizCharge provides a high level of payment customization, enabling your team to tailor payment options to fit specific business needs. Features like email payment links and a self-service customer payment portal enhance the payment experience for your customers. The platform's focus on security with tokenization and encryption ensures your transactions are safe. Additionally, advanced reporting tools help you streamline your accounting tasks.
Standout features & integrations:
Features include mobile payment capabilities, allowing your team to process payments on the go. The platform also offers recurring billing to automate regular payments, saving you time. EBizCharge's advanced reporting tools provide insights into your payment processes, helping you make informed decisions.
Integrations include QuickBooks, Microsoft Dynamics, Sage, SAP, Acumatica, NetSuite, Zoho, FreshBooks, Xero, and Intacct.
Pros and Cons
Pros:
- Suitable for various industries
- Advanced reporting capabilities
- Supports mobile payments
- Strong security features
Cons:
- Occasional delays in customer support
- Complex feature set for beginners
- May require technical setup
Adyen is a payment platform that caters to businesses of all sizes, providing solutions for online, mobile, and in-person payments. It supports a wide range of payment methods and currencies, making it ideal for global businesses looking to unify their payment processes.
Why it's a good Shopify Payments alternative: Adyen offers sophisticated omnichannel integration, allowing your team to manage payments across various channels seamlessly. With features like real-time data insights and risk management, you can optimize your payment strategies and reduce fraud. The platform supports a wide array of payment methods, enhancing your ability to cater to diverse customer preferences. Additionally, its global reach ensures you can operate in multiple regions without hassle.
Standout features & integrations:
Features include real-time data analytics, providing insights to help you make informed business decisions. The platform's risk management tools ensure secure transactions and reduce the likelihood of fraud. Adyen also offers scalable solutions, allowing your business to grow without changing payment providers.
Integrations include Shopify, WooCommerce, Magento, BigCommerce, Salesforce, QuickBooks, NetSuite, SAP, Xero, and Oracle.
Pros and Cons
Pros:
- Scalable for business growth
- Effective risk management tools
- Provides real-time data insights
- Strong global presence
Cons:
- Customer support may vary by region
- Limited support for small businesses
- Requires technical knowledge
Payoneer is a financial services company that provides online money transfer and digital payment services, catering primarily to freelancers, businesses, and online sellers. It enables users to receive funds into their Payoneer account and withdraw them to their bank account or use them to make purchases online.
Why it's a good Shopify Payments alternative: Payoneer offers payment customization that lets your team tailor payment solutions to fit your business needs. With options like multi-currency accounts and local receiving, you can manage international transactions efficiently. The platform's global payment service allows you to pay suppliers and contractors worldwide. Additionally, Payoneer’s competitive exchange rates can help you save on foreign currency transactions.
Standout features & integrations:
Features include a prepaid MasterCard that you can use for purchases or ATM withdrawals. The platform also offers a billing service that allows you to send payment requests to clients. Payoneer’s currency conversion feature helps you manage multiple currencies with ease.
Integrations include Amazon, Fiverr, Upwork, Airbnb, Wish, Walmart, Adobe, Google, eBay, and Lazada.
Pros and Cons
Pros:
- Easy currency conversion
- Provides prepaid MasterCard
- Offers global payment service
- Supports multi-currency accounts
Cons:
- Occasional delays in customer support
- Complex onboarding process
- Limited local support in some regions
Shift4 is a payment processing platform that provides end-to-end payment solutions for a variety of industries, including hospitality, retail, and ecommerce. It supports in-store, online, and mobile payments, helping businesses manage transactions efficiently.
Why it's a good Shopify Payments alternative: Shift4's AI-driven fraud protection helps your team secure transactions and reduce the risk of fraud. It offers features like end-to-end encryption and tokenization to protect sensitive data. The platform's ability to handle multiple payment types makes it versatile for different business needs. Additionally, Shift4's advanced reporting tools give you insights into your payment processes, aiding in better decision-making.
Standout features & integrations:
Features include contactless payment options, which cater to the growing demand for touch-free transactions. The platform's mobile payment capabilities enable your team to process payments on the go. Shift4 also offers customizable gift card solutions, which can enhance your customer loyalty programs.
Integrations include Shopify, WooCommerce, Magento, BigCommerce, Salesforce, QuickBooks, NetSuite, SAP, Xero, and Oracle.
Pros and Cons
Pros:
- Customizable gift card solutions
- Offers end-to-end encryption
- Supports multiple payment types
- Strong AI-driven fraud protection
Cons:
- Occasional delays in customer support
- Limited support for small businesses
- Complex setup process
2Checkout (Verifone) is an online payment processing platform that serves businesses of all sizes, especially those operating in international markets. It helps manage global payments, subscription billing, and risk management for both B2B and B2C commerce.
Why it's a good Shopify Payments alternative: With its focus on global tax compliance, 2Checkout (Verifone) offers features like automated tax calculations, VAT management, and compliance with international regulations. These capabilities help your team handle complex cross-border transactions more efficiently than Shopify Payments. The platform's ability to support multiple currencies and localized buying experiences enhances its value for businesses looking to expand globally.
Standout features & integrations:
Features include automated tax calculations, VAT management, and compliance with international regulations. You can also benefit from subscription billing, which helps manage recurring payments. The platform's risk management tools protect your business from fraud.
Integrations include Shopify, WooCommerce, Magento, PrestaShop, OpenCart, BigCommerce, X-Cart, WHMCS, Ecwid, and 3dcart.
Pros and Cons
Pros:
- Localized buying experiences
- Provides risk management tools
- Automated tax calculations
- Supports global transactions
Cons:
- Customer service response time
- Requires technical knowledge
- Occasional delayed payouts
Elavon is a payment processing solution that provides secure technologies for businesses to accept payments in-person, online, and via mobile apps. It caters to a wide range of industries, offering solutions like contactless payments and payment gateways.
Why it's a good Shopify Payments alternative: Elavon offers AI-driven fraud protection, ensuring your transactions are secure and compliant with PCI standards. With features like payment optimization, you can enhance transaction efficiency and reduce costs. The platform supports multiple payment formats, making it versatile for your business needs. Additionally, Elavon's 24/7 multilingual support ensures you receive help whenever needed.
Standout features & integrations:
Features include enhanced reporting and reconciliation tools that simplify your financial processes. The platform's payment optimization features help reduce transaction costs. Elavon also ensures PCI compliance, protecting sensitive payment data.
Integrations include Shopify, WooCommerce, Magento, BigCommerce, Salesforce, QuickBooks, NetSuite, SAP, Xero, and Oracle.
Pros and Cons
Pros:
- 24/7 multilingual support
- Ensures PCI compliance
- Offers payment optimization tools
- Strong AI-driven fraud protection
Cons:
- Customer support response time may vary
- Higher fees for certain transactions
- Limited support for small businesses
BlueSnap is a Global Payment Orchestration Platform designed to simplify payment processes for businesses, enhancing efficiency and reducing costs. It primarily serves ecommerce businesses, offering solutions for payment processing, fraud prevention, and chargeback management.
Why it's a good Shopify Payments alternative: BlueSnap's focus on payment customization allows your team to tailor payment solutions to fit specific business needs. With features like global reach, you can accept payments from over 200 regions with a single integration. The platform's modular technology and risk management tools provide flexibility and security, helping you manage transactions efficiently. BlueSnap's expert support further ensures you can optimize payment strategies effectively.
Standout features & integrations:
Features include intelligent payment routing, which helps improve authorization rates and reduce costs. The platform also offers local acquisition to avoid unnecessary fees, enhancing your business's bottom line. Additionally, customizable billing plans can improve customer satisfaction and retention.
Integrations include Shopify, WooCommerce, Magento, BigCommerce, Salesforce, QuickBooks, NetSuite, SAP, Xero, and Oracle.
Pros and Cons
Pros:
- Offers local acquiring options
- Strong fraud prevention measures
- Supports over 200 regions
- Highly customizable payment solutions
Cons:
- Occasional delays in customer support
- Complex setup for some features
- May require technical expertise
Global Payments is an enterprise-grade payment platform built for large businesses and high-volume transactions. It helps you manage online, in-person, and mobile payments across multiple regions and industries.
Why Global Payments is a good Shopify Payments alternative: You can manage large-scale payment processing across multiple countries and currencies with a single platform. Global Payments offers enterprise-level features like custom payment routing, fraud controls, and tokenization. Your team can also use it to support complex sales channels and handle high transaction volumes without delays. It’s a good fit if you need a solution that handles enterprise demands at scale.
Standout features & integrations:
Features include advanced reporting tools to track payment trends and performance. You can customize checkout flows to match your business setup. There are also tools to support recurring billing and loyalty programs.
Integrations include Oracle, SAP, Salesforce Commerce Cloud, Adobe Commerce, BigCommerce, WooCommerce, Magento, NetSuite, Shopify, and NCR.
Pros and Cons
Pros:
- Includes advanced fraud tools
- Customizable payment flows
- Built for complex sales environments
- Supports multi-region operations
Cons:
- Customization needs developer input
- Some features feel overly complex
- Takes time to set up
Moneris is a commerce solution provider that caters primarily to Canadian businesses across retail, restaurants, and professional services. It offers a range of services including point-of-sale systems, online payment processing, and fraud prevention.
Why it's a good Shopify Payments alternative: As a key player in the Canadian market, Moneris supports local businesses with features like the Moneris Go Plus terminal, which offers quick transactions and easy setup. Their solutions include advanced fraud protection and the option for customers to pay in installments, enhancing security and sales flexibility for your team. The platform's focus on local support and data-driven insights helps businesses thrive in the Canadian market.
Standout features & integrations:
Features include the ability to accept contactless payments directly on iPhones, making it easier for your team to handle transactions. Moneris also offers customizable electronic gift cards, which can be a great addition to your marketing strategy. Their merchant cash advance program provides quick funding with flexible repayment options.
Integrations include Amazon, Facebook, Google, Shopify, WooCommerce, Magento, PrestaShop, OpenCart, BigCommerce, and X-Cart.
Pros and Cons
Pros:
- Limited to Canadian businesses
- Offers merchant cash advance
- Quick and easy terminal setup
- Advanced fraud protection tools
- Strong focus on Canadian market
Cons:
- Limited international support
- Requires technical knowledge for setup
Otras alternativas a Shopify Payments
Aquí tienes algunas alternativas adicionales a Shopify Payments que no entraron en mi lista principal, pero que aún vale la pena considerar:
- Checkout.com
For AI-driven fraud protection
- Authorize.net
For global tax compliance
- Worldpay
For multi‑currency global reach
- Stripe
For developer-friendly API
- Helcim
For transparent pricing
- Payment Depot
For low transaction fees
- Airwallex
For international business accounts
- Merchant One
For personalized customer support
- Paypal Enterprise
For large-scale enterprise needs
- Stax Payments
For subscription-based pricing
- Payline Data
For flexible payment options
How I Evaluate Shopify Payments Alternatives
I split my evaluation into two layers: what a gateway must do to work with Shopify, and what sets the best ones apart for merchants dealing with high fees, limited regions, or niche payment needs.
Core Functionality (Table Stakes For This List)
When I'm selecting tools for my list, I rank each one on a scale from 0 (does not offer the functionality) to 5 (excels in this area) for each core functionality listed below. Then, I calculate the tool's total score into a percentage. Each tool needs to achieve a minimum total score of 65% to be considered for inclusion.
- Shopify Checkout Integration: I check whether a provider connects to Shopify through a native app or requires a manual workaround, since a clunky integration can break your checkout flow.
- Card Processing Coverage: Each provider should accept all major card brands at minimum, so your customers aren't turned away at checkout over a missing network.
- Multi-Currency & Global Reach: For merchants selling internationally, I evaluate how many currencies and countries a gateway supports with local acquiring capabilities.
- Alternative Payment Methods: I look for support beyond cards—wallets like Apple Pay, BNPL options, and region-specific methods that match how your customers actually prefer to pay.
- PCI Compliance & Fraud Prevention: Every gateway should hold PCI-DSS certification and offer fraud tools like 3D Secure, since chargebacks eat directly into your margins.
- Transparent Pricing & Payouts: I evaluate whether fee structures are clearly published and whether payout timelines are predictable, so you can forecast cash flow accurately.
Once I have a list of tools that meet this criteria, I consider what sets each platform apart.
Differentiating Factors (What Sets Vendors Apart)
Here's how I compare and contrast different vendors:
Standout Features
Smart payment routing is a major differentiator. Gateways that route transactions across multiple acquirers boost authorization rates, which directly impacts revenue on high-volume stores. I also look for chargeback protection, where providers absorb dispute costs rather than passing them to you. For merchants selling online and in-store, a unified omnichannel POS matters. It ties physical and digital transactions into one reporting view, saving hours of reconciliation.
Beyond Features
Total cost of ownership goes beyond the published per-transaction rate. I evaluate whether a provider charges additional cross-border fees, chargeback fees, or monthly minimums that add up fast on high-volume stores. Geographic and industry fit also matters—merchants in restricted verticals or underserved regions need a gateway that actually approves their application. I also consider the integration ecosystem, especially connections to accounting tools like QuickBooks or Xero and tax platforms, since clean financial data saves hours at month-end.
¿Qué es Shopify Payments?
Shopify Payments es la solución incorporada de procesamiento de pagos de Shopify—lo que significa que puedes aceptar tarjetas de crédito, débito y billeteras digitales directamente desde tu panel de administración de Shopify, sin necesidad de pasarelas externas ni iniciar sesión en otros sitios.
Está pensado para facilitar la vida a los dueños de tiendas online: la configuración es automática, los pagos se rastrean en tiempo real y tienes soporte para múltiples divisas para llegar a clientes de todo el mundo.
Para la mayoría de los comerciantes de Shopify, lo más atractivo es la simplicidad: no necesitas gestionar proveedores de pago externos ni pagar comisiones adicionales de transacción si usas Shopify Payments. También tienes análisis antifraude integrado, compatibilidad con Apple Pay y Google Pay, y una página de pago personalizable acorde con tu marca.
En resumen: es una forma simplificada e integral de procesar transacciones online, gestionar devoluciones de cargo y mantener el flujo de caja de tu tienda en movimiento.
¿Por Qué Buscar Una Alternativa a Shopify Payments?
Shopify Payments funciona para muchos negocios de ecommerce, pero no es una solución universal, especialmente si te enfrentas a altas comisiones por transacción, métodos de pago limitados o si estás expandiéndote internacionalmente.
Quizás necesitas mejor protección contra fraudes, opciones de pago más flexibles o informes avanzados que no te hagan querer arrancarte el cabello.
Aquí tienes las razones por las que muchos comerciantes de Shopify comienzan a buscar un procesador de pagos que realmente se adapte a la forma en que operan:
- Enfrentas altas comisiones de transacción que reducen tus márgenes
- Necesitas soporte para más monedas o métodos de pago alternativos
- Tu equipo necesita una mejor detección de fraude y gestión de contracargos
- Vendes en regiones donde Shopify Payments no está disponible
- Tu negocio requiere herramientas avanzadas de reporte o mejor control de pagos
- Quieres una experiencia de pago que aumente la tasa de conversión y refleje tu marca
Si alguno de estos problemas te resulta familiar, es momento de considerar una alternativa a Shopify Payments que esté diseñada para la manera real en la que haces negocios.
Características Clave de las Alternativas a Shopify Payments
Esto es lo que debes esperar de cualquier alternativa a Shopify Payments que valga la pena (y tus comisiones por transacción). Si el proveedor que estás evaluando no cumple con estos requisitos, sigue buscando:
- Pasarela de pago integrada. Procesa sin problemas tarjetas de crédito, débito, billeteras digitales y métodos de pago alternativos, sin enredos de complementos de terceros.
- Soporte para múltiples monedas. Permite que los clientes paguen en su moneda local, ya sea que vendas en el extranjero o solo busques un proceso de compra más ágil.
- Detección y protección contra fraudes. Herramientas en tiempo real para identificar transacciones sospechosas, evitar contracargos y mantener a tu equipo fuera del estrés por fraude.
- Configuración automática o sencilla. Ponlo en marcha rápidamente—sin necesidad de proezas técnicas, y una activación que no te consuma la semana.
- Precios competitivos y transparentes. Sin tarifas ocultas, ni sorpresas. Quieres saber exactamente cuánto pagas por cada transacción.
- Gestión de contracargos y disputas. Herramientas integradas para ayudarte a recuperar ingresos perdidos por contracargos, no solo asumir la pérdida.
- Control y seguimiento de pagos. Visualiza los cronogramas e historiales de pagos en tiempo real, y controla cuándo y cómo te pagan.
- Soporte para móviles y billeteras digitales. Acepta Apple Pay, Google Pay y otras billeteras digitales para una experiencia de usuario que no frena las conversiones.
- Experiencia de pago personalizable. Adapta tu página de pago para que coincida con tu marca y optimiza para mayores tasas de conversión.
- Informes y análisis. Obtén datos de ventas en tiempo real, reportes de transacciones e información útil para que no vayas a ciegas.
No Dejes Que Tu Plataforma de Pagos Te Perjudique
Shopify Payments está bien—hasta que deja de estarlo. Si ya estás comenzando a notar sus límites, no te conformes con "lo suficientemente bueno" para cobrar.
La pasarela de pago adecuada puede ahorrarte dinero, abrir nuevos mercados y hacer que la experiencia de pago sea mucho más sencilla para todos.
Tómate el tiempo para comparar realmente tus opciones. Fíjate en las comisiones, métodos de pago, protección contra fraudes, informes y soporte que realmente importan para tu negocio—no solo en lo que suena bien en un comunicado de prensa.
Un poco de investigación ahora puede ahorrarte mucho dolor (y pérdida de ingresos) después.
Si estás investigando procesadores de pago, conéctate gratis con un asesor de SoftwareSelect para recibir recomendaciones.
Rellenas un formulario y tienes una conversación rápida donde profundizan en tus necesidades. Después recibirás una lista corta de software a revisar. Incluso te acompañarán durante todo el proceso de compra, incluyendo negociaciones de precios.
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