Save 35–45% on Shopify Payment Processing — Without Changing Your Checkout
Shopify Payments charges flat-rate fees that make sense for small stores. For stores doing $50k+/month, those rates mean you're leaving thousands on the table every month — paid directly to Shopify, not going to your bottom line.
GetPayment integrates natively with Shopify's checkout — customers see no change. You see lower fees, T+1 settlement, higher authorization rates, and a specialist team that supports Shopify Plus, subscriptions, and headless implementations.
Shopify Plus Store — Monthly Savings
$300k/month processing volume
Based on typical card mix. Send us 3 months of statements for exact numbers.
Why High-Volume Shopify Stores Switch Payment Processors
Shopify Payments is a genuinely good product for stores processing under $50k/month. The flat-rate pricing is simple, the integration is seamless, and it's one less thing to manage. But Shopify Payments is fundamentally a consumer-grade product built for the average Shopify merchant — not for stores processing hundreds of thousands per month where every basis point of rate difference compounds into significant annual cost.
Explore specialized solutions for other platforms: WooCommerce · Magento · BigCommerce · NMI Gateway
The economics shift dramatically above $50k/month. Shopify's flat-rate pricing means they pocket the margin on every low-interchange transaction. A Visa debit card costs Shopify approximately 0.5% in interchange; they charge you 2.15–2.9%. That 1.7% margin is extracted on every debit transaction you process — and debit cards represent 40-60% of most consumer ecommerce card mixes.
Switching to interchange-plus pricing through a specialist processor eliminates this cross-subsidy. You pay the actual interchange cost plus a fixed markup — and your fees drop proportionally as your debit card mix improves or as card network interchange changes favorably. The integration with Shopify is seamless; customers see no change to checkout.
Shopify Merchant Challenges We Solve
Rate Comparison by Shopify Plan
Savings are consistent across all Shopify plans — and increase as your volume grows.
| Shopify Plan | Shopify Payments Rate | GetPayment IC+ Rate | Est. Savings |
|---|---|---|---|
| Shopify Basic | 2.9% + $0.30 | IC+ ~1.8% blended | ~38% |
| Shopify Standard | 2.7% + $0.30 | IC+ ~1.7% blended | ~37% |
| Shopify Advanced | 2.4% + $0.30 | IC+ ~1.5% blended | ~38% |
| Shopify Plus | 2.15% + $0.30 | IC+ ~1.3% blended | ~40% |
Blended effective rate varies by card mix. Based on typical consumer ecommerce card distribution. Contact for exact quote.
15-Minute Shopify Integration
No downtime, no checkout changes, no developer required for standard Shopify plans.
Apply & Get Approved
24–48 hoursSubmit your application. Our team reviews and approves merchant accounts for Shopify stores typically within 24-48 hours.
Install the Integration
2 minutesOne-click app install from the Shopify App Store or our dashboard. Credentials auto-populate.
Configure & Test
10 minutesSet fraud rules, payment methods, and checkout preferences. Run test transactions in Shopify's test mode to verify everything works.
Go Live
1 minuteActivate live processing. Your old processor stays configured for 30 days during transition. Zero revenue risk.
Full Shopify Feature Compatibility
Everything Shopify Payments supports — plus higher-risk categories, better rates, and specialist support.
Shopify Payment Processing: Complete Setup & Strategy Guide
How Shopify Payments Fees Compare to Interchange-Plus on Large Volumes
Shopify Payments offers simplicity—one rate, one platform, minimal setup. But at scale, that simplicity costs money. Shopify's bundled rates hide interchange, assessments, and markups, making it impossible to optimize or negotiate.
For a store processing $100k/month at Shopify's 2.9% + $0.30 flat rate, switching to GetPayment's interchange-plus typically saves 25–40% ($25–40k annually) depending on card mix and product category. High-risk stores (CBD, supplements, crypto) see even larger savings.
Step-by-Step: Migrating from Shopify Payments to GetPayment
The migration process takes 15 minutes from start to finish with zero downtime or customer impact:
- 1. Apply for GetPayment merchant account — Takes 5 minutes. Most approvals within 24–48 hours.
- 2. Install GetPayment app from Shopify App Store — One-click install, credentials auto-populate.
- 3. Configure and test — Set fraud rules, payment methods. Run test transactions in Shopify's test mode (10 minutes).
- 4. Switch and monitor — Activate GetPayment as primary payment gateway. Keep Shopify Payments active for 30 days as backup.
Why High-Volume Shopify Stores Need Interchange-Plus Pricing
At scale, the Shopify Payments model breaks down:
- ✓
No visibility into actual costs
You pay one rate, but interchange varies by card type. You can't optimize for cost-saving card types without seeing the breakdown.
- ✓
No negotiation power
Shopify's rates are fixed. With interchange-plus, larger volumes give you leverage to reduce processor markups.
- ✓
Limited for high-risk categories
Shopify actively prohibits CBD, supplements, crypto, adult content, and forex. GetPayment serves these categories with specialized underwriting.
Shopify Store Optimization for Better Payment Processing Performance
- • Use network tokenization to reduce declines on returning customers (improves auth rates 2–3%)
- • Enable smart retry logic for soft declines—retry failed transactions at optimal times
- • Configure address verification and CVV validation appropriately for your fraud risk
- • Set up dunning for failed subscription payments to reduce involuntary churn
- • Monitor your chargeback ratio monthly—aim for sub-0.5% to keep your account stable
Shopify Payment Processing FAQ
Questions from Shopify store owners before making the switch.
Ready to Save on Your Shopify Store?
Send us 3 months of Shopify Payments statements — we'll show you exactly what you'd save before you commit to anything.