Å drive en Shopify-butikk betyr at du ikke har tid til betalingsproblemer – men Shopify Payments kan likevel påføre deg høye transaksjonsgebyrer, begrensede betalingsmetoder eller hindringer hvis du selger på tvers av landegrenser.
Hvis du er lei av forsinkede utbetalinger, svindelbeskyttelse som føles mangelfull, eller betalingsalternativer som ikke samsvarer med kundenes forventninger, er det på tide å se på alternativer.
Jeg har selv stått i frontlinjen – med lagerbeholdning, varehus, internasjonalt salg og markedsføring av nettbutikker – så jeg vet hvordan feil betalingsformidler kan svekke betalingsprosessen og bunnlinjen.
Den rette løsningen gir deg fleksibilitet, bedre konverteringsfrekvenser og en følelse av kontroll over betalingsbehandlingen.
Denne veiledningen skreller bort støyen og går gjennom de beste alternativene til Shopify Payments: hva de koster, hvordan de håndterer kredittkort og digitale lommebøker, hvordan svindelbeskyttelsen deres fungerer, og om kundestøtten faktisk er nyttig.
Why Trust Our Software Recommendations
6,700+
Reviews
20
Industry experts
16+
Evaluation factors
14
Years
Our team has been testing and reviewing software since 2012. As retail leaders ourselves, we know how difficult—and important—it is to choose the right software.
For this guide, we evaluated tools using hands-on testing and independent research, scoring tools using our selection criteria.
Our reviews reflect our independent judgment—not a sales pitch.
Sammenligningstabell for alternativer til Shopify Payments
Her er en rask sammenligning av priser, prøveperioder og bruksområder for hvert alternativ til Shopify Payments.
| Tool | Best For | Trial Info | Price | ||
|---|---|---|---|---|---|
| 1 | Best for flexible payment options | Free plan available; 30-day free trial on paid tiers | From $49/month | Website | |
| 2 | Best for payment customization | Free demo available | From $15/month | Website | |
| 3 | Best for omnichannel integration | Free demo available | Pricing upon request | Website | |
| 4 | Best for payment customization | Free demo available | From $19/user/month | 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 | Pricing upon request | 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 |
De 10 beste alternativene til Shopify Payments – vurdert
Her går vi inn på detaljene. Nedenfor finner du mine praktiske gjennomganger av hver betalingsleverandørs viktigste funksjoner, priser, integrasjoner og kundestøtte – slik at du vet nøyaktig hva du får før du bestemmer deg.
Best for flexible payment options- Free plan available; 30-day free trial on paid tiers
- From $49/month
Visit WebsiteCustomer Rating:4.7/5
Square's hosted checkout allows you to set up an online payment form. 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
EBizCharge offers payment processing and AR tools for many industries. 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
Learn more about EBizCharge:
Best for omnichannel integration- Free demo available
- Pricing upon request
Visit WebsiteCustomer Rating:3.8/5
Adyen unifies global payments online in-store and via mobile. 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
Learn more about Adyen:
Best for payment customization- Free demo available
- From $19/user/month
Visit WebsiteCustomer Rating:3.2/5
Payoneer enables freelancers and businesses to send, receive and withdraw funds. 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
Best for AI-driven fraud protection- Free demo available
- Pricing available upon request
Shift4 offers end-to-end payments for retail hospitality and ecommerce. 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
Learn more about Shift4:
Best for global tax compliance- Free demo available
- From 3.5% + $0.35/transaction
2Checkout Verifone enables global payments and subscription billing. 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
Learn more about 2Checkout:
Best for AI-driven fraud protection- Free demo available
- From 2.60% + 10¢ per transaction
Elavon enables secure in-person online and mobile payment solutions. 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
Learn more about Elavon:
BlueSnap simplifies global ecom payments with fraud and chargeback tools. 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
Learn more about BlueSnap:
Best for large‑scale enterprise processing- Free demo available
- Pricing available upon request
Global Payments powers high-volume payments online in-person and via mobile. 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
Learn more about Global Payments:
Moneris provides POS and payment solutions for Canadian businesses. 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
Learn more about Moneris:
Andre alternativer til Shopify Payments
Her er noen flere alternativer til Shopify Payments som ikke kom med på kortlisten min, men som likevel er verdt å sjekke ut:
- 11Checkout.comBest for AI-driven fraud protection
- 12Authorize.netBest for global tax compliance
- 13WorldpayBest for multi‑currency global reach
- 14StripeBest for developer-friendly API
- 15HelcimBest for transparent pricing
- 16Payment DepotBest for low transaction fees
- 17AirwallexBest for international business accounts
- 18Merchant OneBest for personalized customer support
- 19Paypal EnterpriseBest for large-scale enterprise needs
- 20Stax PaymentsBest for subscription-based pricing
- 21Payline DataBest 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.
Hva er Shopify Payments?
Shopify Payments er Shopifys innebygde betalingsløsning – det betyr at du kan ta imot kredittkort, debetkort og digitale lommebøker direkte fra Shopify-administratorpanelet, uten behov for tredjeparts betalingsgatewayer eller ekstra innlogginger.
Den er utviklet for å gjøre hverdagen enklere for eiere av nettbutikker: Oppsettet skjer automatisk, utbetalinger spores i sanntid, og du får støtte for flere valutaer slik at du kan nå kunder over hele verden.
For de fleste Shopify-forhandlere er den største fordelen enkelheten – du slipper å håndtere eksterne betalingsleverandører, og du betaler ingen ekstra transaksjonsgebyrer hvis du holder deg til Shopify Payments. Du får også innebygd svindelanalyse, støtte for Apple Pay og Google Pay samt en tilpassbar betalingsside som samsvarer med merkevaren din.
Kort sagt: Det er en strømlinjeformet alt-i-ett-løsning for behandling av nettbetalinger, håndtering av tilbakeføringer og opprettholdelse av butikkens kontantstrøm.
Hvorfor se etter et alternativ til Shopify Payments?
Shopify Payments fungerer for mange nettbaserte virksomheter, men det er ikke en løsning som passer for alle – særlig hvis du opplever høye transaksjonsgebyrer, begrensede betalingsmetoder eller ekspanderer internasjonalt.
Kanskje trenger du bedre svindelbeskyttelse, mer fleksible betalingsalternativer eller avansert rapportering som ikke får deg til å rive deg i håret.
Her er grunnen til at mange Shopify-forhandlere begynner å se seg om etter en betalingsformidler som faktisk passer måten de driver virksomheten på:
- Du opplever høye transaksjonsgebyrer som spiser opp marginene dine
- Du trenger støtte for flere valutaer eller alternative betalingsmetoder
- Teamet ditt trenger bedre svindeloppdagelse og håndtering av tilbakeføringer
- Du selger i regioner der Shopify Payments ikke er tilgjengelig
- Virksomheten din krever avanserte rapporteringsverktøy eller bedre kontroll over utbetalinger
- Du ønsker en betalingsopplevelse som øker konverteringsratene og samsvarer med merkevaren din
Hvis noen av disse utfordringene høres kjente ut, er det på tide å vurdere et alternativ til Shopify Payments som er utviklet for måten du faktisk driver virksomheten din på.
Viktige funksjoner i alternativer til Shopify Payments
Dette bør du forvente av ethvert alternativ til Shopify Payments som er verdt tiden din (og transaksjonsgebyrene dine). Hvis leverandøren du vurderer, ikke oppfyller disse kravene, bør du lete videre:
- Integrert betalingsløsning. Behandle kredittkort, debetkort, digitale lommebøker og alternative betalingsmetoder sømløst – uten et uoversiktlig virvar av tredjepartstillegg.
- Støtte for flere valutaer. La kundene betale i sin lokale valuta, enten du selger på tvers av landegrenser eller bare ønsker å gjøre betalingen så enkel som mulig.
- Svindeloppdagelse og -beskyttelse. Sanntidsverktøy som flagger mistenkelige transaksjoner, stopper tilbakeføringer og faktisk holder teamet ditt unna svindelens hektiske brannslukking.
- Automatisk eller enkelt oppsett. Kom raskt i gang – uten behov for IT-helteinnsats og med en innføring som ikke ødelegger hele arbeidsuken din.
- Konkurransedyktige og transparente priser. Ingen skjulte gebyrer eller ubehagelige overraskelser. Du vil vite nøyaktig hva du betaler for hver transaksjon.
- Håndtering av tilbakeføringer og tvister. Innebygde verktøy som hjelper deg med å bestride tilbakeføringer og få tilbake inntekter, i stedet for bare å ta tapet.
- Sporing og kontroll over utbetalinger. Se utbetalingsplaner og historikk i sanntid, og bestem når og hvordan du får betalt.
- Støtte for mobilbetaling og digitale lommebøker. Ta imot Apple Pay, Google Pay og andre digitale lommebøker for å gi kundene en opplevelse som ikke ødelegger konverteringene.
- Tilpassbar betalingsopplevelse. Tilpass betalingssiden slik at den samsvarer med merkevaren din, og optimaliser den for høyere konverteringsrater.
- Rapportering og analyse. Få salgsdata i sanntid, transaksjonsrapporter og nyttig innsikt – slik at du ikke navigerer i blinde.