Shopify Payments เป็นผู้ประมวลผลการชำระเงินที่ได้รับคะแนนสูงสุดของเราสำหรับ Shopify ผู้ใช้มอบประสบการณ์การชำระเงินที่ราบรื่นและบูรณาการอย่างสมบูรณ์สำหรับร้านค้าออนไลน์
ในรีวิวนี้ผมจะพาไปดู Shopify Paymentsค่าธรรมเนียม ข้อดี ข้อเสีย และการเปรียบเทียบกับ Stripe และ PayPal เพื่อให้คุณสามารถตัดสินใจได้ว่าเหมาะกับการชำระเงินและกลยุทธ์การเติบโตของร้านค้าของคุณหรือไม่
รวมถึงมีการวิจัยอย่างถี่ถ้วน การตรวจสอบของ Shopifyฟังก์ชันการทำงานของ ที่ซึ่งคุณสามารถค้นหาสิ่งที่ทำให้เป็นหนึ่งใน แพลตฟอร์มอีคอมเมิร์ซที่ดีที่สุด. ดังนั้นถ้าฉันบอกคุณว่าด้วย Shopify Paymentsคุณไม่จำเป็นต้องยึดติดกับเกตเวย์ของบุคคลที่สามอีกต่อไป?
Shopify Payments ภาพรวมสินค้า
| Shopify Payments | |
|---|---|
| ที่ดีที่สุดสำหรับ | ร้านค้าที่ใช้ Shopify as their ecommerce platform |
| อันดับ | ยอดเยี่ยม – 4.7 จาก 5 |
| แนะนำสำหรับ | การเจริญเติบโต Shopify ร้านค้า |
| Sellers in the U.S., UK, AU, and 35+ other supported countries | |
| Avoiding third-party transaction fees | |
| ทดลองฟรี | Included with all Shopify แผน |
ข้อดีและข้อเสีย
ข้อดี
- Integrated into your Shopify หน้าปัด
- ขจัด Shopify’s additional transaction fees
- Supports Apple Pay, Google Pay, and Shop Pay
- Faster payouts than many third-party gateways
- Automatic fraud protection and dispute handling
จุดด้อย
- Not available in every country
- Chargeback fees are non-refundable
- Higher fees on international cards
- You lose access if you leave Shopify
- Limited customisation of billing statements
ต้องการสรุปอย่างรวดเร็วของ Shopify Payments?
I’ve tested it across multiple Shopify stores. Here’s what I’ve found:
สิ่งที่ฉันชอบ
- มันจะลบ Shopify’s additional transaction fees when enabled
- Payouts arrive fast, and the dashboard is easy to manage
- ทำงานได้อย่างราบรื่นด้วย Shopify POS และ Shop Pay
- Requires no third-party account to start accepting payments
- Makes reconciling payments and orders simple for accounting
สิ่งที่ฉันไม่ชอบ
- You’re fully locked in — you lose all access if you switch platforms
- Not available in all countries, so some sellers are excluded
- $15 chargeback fees apply regardless of outcome
- International processing fees can add up quickly
- You can’t always customise what appears on customer billing statements
Shopify Payments used to be available in only a handful of countries, which meant many store owners had to rely on third-party gateways and pay extra transaction fees.
That’s no longer the case. As of 2025, Shopify has significantly expanded its payment support, now offering Shopify Payments in over 35 countries including major markets like Germany, France, Italy, Japan, Mexico, and Singapore.
This wider availability gives more merchants access to lower fees, faster payouts, and a fully integrated checkout — without needing to patch together external processors.
My Experience Using Shopify Payments
การตั้งค่า Shopify Payments was simple and took less than 10 minutes to complete. It’s built into the Shopify dashboard, so no external integration or third-party account was required to start accepting payments.
After entering some basic business information — such as company name, EIN (or SSN), and bank details — Shopify Payments was enabled and ready to go. There were no additional approvals needed, unless the store was flagged for risk, which I’ll explain further below.
What You’ll Need to Get Started:
- Your business entity name (LLC, sole proprietorship, etc.)
- Federal tax identification (EIN for businesses or SSN for individuals in the U.S.)
- A checking account in your business name
- Physical business address and contact details
Once the setup was complete, I was immediately taken to the Shopify Payments dashboard, which integrates cleanly with the Shopify admin area. From here, I could view transaction history, payout schedules, processing fees, refunds, and chargebacks all in one place.
Dashboard Insights and Payout Management
การขอ Shopify Payments dashboard stood out for its clarity. All key payment activity was visible at a glance, and payout breakdowns were easy to track.
Highlights from the dashboard:
- Total payouts and fees are grouped by date and payout batch
- Refunds and disputes show status in real time
- Sales tax reports and processing fees are clearly itemized
- Exportable reports help with reconciliation and bookkeeping
Compared to third-party processors like Stripe or PayPal, Shopify Payments offers similar reporting functionality, but with the added benefit of being built directly into the ecommerce platform. That means fewer logins, fewer tools, and fewer errors.
Payouts arrived in two business days after the transaction, which is consistent with industry standards. Timing was reliable across U.S., UK, and Australian accounts.
Refunds, Chargebacks, and Risk Holds
Refunds are processed immediately within the Shopify admin. The amount is deducted from upcoming payouts. If there’s not enough in the balance, Shopify debits the connected bank account. This mirrors how Stripe and other major processors operate.
Chargebacks were straightforward to manage — Shopify pre-fills most of the required dispute response with order and customer data, which simplifies the process.
ข้อควรพิจารณาที่สำคัญ:
- Refunds are deducted automatically from future payouts
- Chargeback fee: $15 per dispute (non-refundable, even if you win)
- Shopify provides dispute evidence templates preloaded with customer data
- You cannot block chargebacks, only respond to them
One point worth flagging — if your store has a sudden increase in volume, high refund rates, or lists restricted items (like digital products), your payouts may be placed on hold for manual review.
This isn’t unique to Shopify Payments — all processors have fraud detection measures — but the transparency and response time from Shopify support could be improved in these situations.
Shopify Payments Fees (Here’s What You Actually Pay)
Shopify’s fees depend on your plan, payment method, and whether you’re using Shopify Payments หรือไม่
บนพื้นผิว, Shopify's pricing looks straightforward - แต่ once you start scaling, every 0.1% fee makes a real difference to your bottom line.
Iคุณกำลังใช้ Shopify Payments, you avoid the platform’s additional transaction fees.
But if you use a third-party gateway like Stripe or Authorize.net, Shopify will still take a cut — and that cut varies by plan.
Credit Card Fees by Plan (U.S.)
This table breaks down the card processing rates for online and in-person transactions:
| แพ็กเกจ | Online Rate | In-Person Rate | Additional Fees (if using third-party gateway) |
|---|---|---|---|
| ขั้นพื้นฐาน | 2.9% + 30 ¢ | 2.6% + 10 ¢ | 2% |
| ขึ้น | 2.7% + 30 ¢ | 2.5% + 10 ¢ | 1% |
| ค้นหาระดับสูง | 2.5% + 30 ¢ | 2.4% + 10 ¢ | 0.5% |
These rates apply only if you’re using Shopify Payments. If you opt for another gateway, the listed transaction fee (2%, 1%, or 0.5%) is ที่เพิ่ม on top of the payment provider’s fee.
So if Stripe charges 2.9% + 30¢ and you’re on the Basic plan without Shopify Payments, your total fee per transaction would be 4.9% + 30 ¢.
I’ve seen this mistake often — store owners think they’re saving time by using PayPal or Stripe as their default, but end up paying hundreds or even thousands more in fees per month without realizing it.
Other Hidden Fees to Watch Out For
ในขณะที่ Shopify’s listed rates are predictable, there are a few extra charges that can quietly eat into your margins if you’re not careful:
- การแปลงสกุลเงิน: If your store currency differs from the card’s currency, Shopify เพิ่ม ค่าธรรมเนียมการแปลง 1%. This is common if you sell globally but price in USD.
- บัตรอเมริกัน เอ็กซ์เพรส: Processed at the same rate as Visa and Mastercard, but Amex tends to have higher dispute rates and lower acceptance internationally.
- ค่าธรรมเนียมการปฏิเสธการชำระเงิน: Shopify โหลด $15 per dispute, non-refundable. This is consistent across plans and applies whether you win or lose the case.
If you sell digital products, high-ticket items, or operate in industries with above-average refund risk, budget for chargebacks as part of your cost of doing business.
Monthly Plan Costs
Choosing the right plan impacts your transaction fees — and the higher the order volume, the more important this decision becomes.
| แพ็กเกจ | ราคารายเดือน (เรียกเก็บเงินรายปี) | Monthly Price (Month-to-Month) |
|---|---|---|
| ขั้นพื้นฐาน | $29 | $39 |
| ขึ้น | $79 | $105 |
| ค้นหาระดับสูง | $299 | $399 |
If you're doing under $5K/month in revenue, the แผนพื้นฐาน offers enough functionality to get going. But once you’re processing $10K/month or more, it may be worth moving up to the ขึ้น or แผนขั้นสูง purely for the savings on transaction fees.
ลองแยกย่อยด้วยตัวอย่าง:
- $10,000/month in online sales
- Average transaction size: $100
- Number of transactions: 100
On the Basic plan:
100 orders × (2.9% + 30¢) = ค่าธรรมเนียม $320
เกี่ยวกับ Shopify วางแผน:
100 orders × (2.7% + 30¢) = ค่าธรรมเนียม $300
That $20 difference might not seem huge, but if you’re scaling past $50K/month, upgrading your plan becomes a cost-saving strategy rather than an expense.
คีย์ Takeaway
หากคุณไม่ได้ใช้ Shopify Paymentsคุณกำลังทิ้งเงินไว้บนโต๊ะ
But even if you are, the plan you’re on directly impacts your processing fees. Once your store gains traction, do the math — those 0.2% differences stack up quickly, especially with repeat customers and high AOV.
นอกจากนี้ keep an eye on those “invisible” fees like chargebacks and currency conversions. They’re easy to overlook but can quietly eat 1–2% of your total revenue if you’re not tracking them regularly.
Shopify Payments vs Stripe vs PayPal
I’ve tested all three processors across Shopify stores to see how they compare on key factors like ease of use, buyer trust, and payout speed.
ในขณะที่ Shopify Payments is the most streamlined choice for Shopify users, Stripe and PayPal still have strong advantages depending on the type of store you’re running.
Below is a side-by-side comparison based on core features:
ตารางเปรียบเทียบคุณสมบัติ
| ลักษณะ | Shopify Payments | ลาย | เพย์พาล |
|---|---|---|---|
| รวมกับ Shopify | ใช่ | ไม่ | ใช่ |
| ความเร็วในการจ่ายเงิน | 2-3 วันทำการ | 2-3 วันทำการ | ทันทีถึง 1 วัน |
| ความไว้วางใจของผู้ซื้อ | ต่ำ | กลาง | จุดสูง |
| Chargeback fee | $15 | $15 | $20 |
| ความพร้อมใช้งานทั่วโลก | Limited (21 countries) | Broad (100+ countries) | Broad (200+ countries) |
| วิธีการชำระเงินที่ยอมรับ | Credit/debit, Apple Pay, Shop Pay | Credit/debit, Apple Pay | PayPal, Venmo, credit/debit |
เมื่อ Shopify Payments Is the Best Fit
Shopify Payments is a strong option for businesses using Shopify exclusively and looking to simplify their payment setup.
กรณีการใช้งานที่ดีที่สุด:
- คุณกำลังใช้ Shopify as your ecommerce platform
- คุณต้องการที่จะ avoid additional transaction fees (มากถึง 2%)
- You don’t need advanced billing tools like subscriptions or metered usage
The checkout is streamlined and fully integrated. Shopify handles disputes, refunds, and payout management natively — reducing reliance on external tools.
Where Stripe or PayPal Might Be a Better Option
มีสถานการณ์ที่ Shopify Payments either doesn’t work or doesn’t go far enough.
Consider Stripe or PayPal if:
- คุณต้องการ subscription billing or metered usage (Stripe excels here with its API and flexibility)
- Your store operates in a country ไม่รองรับ Shopify Payments (e.g., India, Philippines, Pakistan)
- คุณกำลังขาย ผลิตภัณฑ์ดิจิทัล, บริการหรือ รายการตั๋วสูง, where buyer trust is key
- คุณต้องการที่จะนำเสนอ PayPal และ Venmo, which many customers still prefer, especially in the U.S. and Europe
Stripe is the most developer-friendly option and allows for more customization in checkout flows, billing logic, and fraud prevention. PayPal offers instant brand recognition, which can reduce cart abandonment — particularly for new or unknown brands.
Recommended Setups Based on Store Type
| ประเภทร้าน | การติดตั้งที่แนะนำ |
|---|---|
| Shopify store in U.S./UK/AU | Shopify Payments (primary) + PayPal (backup) |
| Subscription-based business | Shopify Payments + Stripe + subscription app |
| International or unsupported region | Stripe or 2Checkout + PayPal |
| High-ticket or trust-sensitive products | Shopify Payments + PayPal |
อะไร Shopify Doesn’t Tell You About Shopify Payments
Shopify Payments is marketed as an all-in-one solution for payment processing, and for many stores, it does the job well. But after hands-on testing and reviewing how it works across different use cases, I uncovered several drawbacks and limitations that aren’t made clear upfront.
These issues don’t affect every merchant — but they’re worth knowing before you commit.
Lock-In Effect
Shopify Payments ใช้ได้เฉพาะกับ Shopify users. If you leave Shopify, you lose access to the entire system.
- Your store’s payment processing setup cannot be transferred to another platform.
- ทั้งหมด saved customer payment data stays within Shopify — you’ll need to ask customers to re-enter card details elsewhere.
- This is particularly problematic for subscription stores or businesses with high customer retention.
- You’ll also lose Shopify's built-in checkout optimizations, like Shop Pay, once you leave the platform.
นี้จะทำให้ Shopify Payments a high-convenience, low-portability solution. It’s ideal for long-term Shopify users, but less flexible for multi-platform sellers.
Risk Flags and Account Holds
Shopify Payments is powered by Stripe in the backend, and like all processors, it uses automated fraud detection systems. The result? Some accounts may experience delayed payouts or reviews — even if nothing is technically wrong.
During testing, I noted several scenarios that triggered account holds:
- Sudden spikes in daily sales
- High refund rates or chargebacks
- Selling สินค้าดิจิตอล, บริการ, or “high-risk” products (e.g. CBD, supplements)
- Incomplete business information or lack of policies on the website
When flagged, payouts may be paused for up to 5–7 business days while Shopify manually reviews the account. Merchants are usually notified, but the lack of real-time updates from support can make this frustrating.
To reduce your risk of payout holds:
- Upload clear return, shipping, and privacy policies
- Avoid selling prohibited items without approval
- Use your real business name and provide contact info on your store
Refunds Are Pulled From Future Payouts
Shopify Payments processes refunds instantly, but they deduct the amount from your next payout. If your payout balance is too low, Shopify will debit your linked bank account.
สิ่งนี้หมายถึงอะไรสำหรับผู้ขาย:
- Issuing multiple refunds in a short time can lead to ปัญหาการไหลเวียนของเงินสด, especially for newer stores.
- There’s no built-in refund buffer or warning system — the funds are simply removed.
- If a refund is issued after a payout has already been sent, it will come directly out of your bank account.
This system is common among processors, but new merchants often don’t realise it. It's important to monitor your balance and factor refund volume into your cash flow planning.
Limited Customization of Billing Descriptors
The billing descriptor is what appears on your customer’s credit card statement. With Shopify Payments, this defaults to either “Shopify” or a simplified version of your store name.
- If your store’s domain or brand name doesn’t match the billing descriptor, it can lead to confusion or disputes.
- Customers who don’t recognize the charge may file a chargeback, even if the order was legitimate.
- To change the descriptor, you’ll need to submit a support request — and changes aren’t always approved.
Stripe and PayPal allow more customization by default. If brand consistency on customer statements is a priority for you, this is something to be aware of.
Is Shopify Payments Right for Your Business?
Shopify Payments เป็นตัวเลือกอันทรงพลังสำหรับ Shopify users — but it’s not for everyone. Whether or not it’s the right fit depends on your store’s size, revenue, location, and level of technical complexity.
Below, I’ve broken down who it suits best and when it might fall short, based on real-world testing and the most common scenarios I’ve seen across ecommerce stores.
New Sellers (Under $5K/month)
หากคุณเพิ่งเริ่มต้น Shopify Payments is the easiest and most cost-effective choice.
ทำไมมันถึงได้ผล
- No need for third-party integrations or setup
- You’ll avoid Shopify’s 2% transaction fee (applied if you don’t use Shopify Payments)
- Works straight out of the box — all settings are pre-configured
- Ideal for physical product sellers in supported countries like the U.S., UK, Canada, and 35+ other supported countries
The only caution here is for digital or service-based sellers. These product types are more likely to trigger risk flags or manual reviews.
Growing Brands ($5K–$100K/month)
ที่เวทีนี้, Shopify Payments is still a great option — but optimization starts to matter.
สิ่งที่ต้องพิจารณา:
- อัปเกรดเป็น Shopify or ค้นหาระดับสูง plan to lower card processing fees
- เพิ่ม PayPal as a secondary option to capture buyers who prefer branded checkout
- Monitor refund volume and chargebacks more closely, as they impact payout reliability
- If selling globally, factor in the 1% currency conversion fee on international cards
For most mid-level brands, Shopify Payments continues to be the best fit thanks to its convenience and reduced fees when compared to external processors.
High-Volume Sellers ($100K+/month)
At enterprise level, Shopify Payments remains viable — but many brands start building out more complex setups.
What advanced stores typically do:
- Negotiate custom rates สีสดสวย Shopify directly (available at high volumes or through Shopify Plus)
- เพิ่ม Stripe or Braintree for subscriptions, invoicing, or recurring billing
- Use third-party tools to manage fraud protection, chargebacks, and tax automation
- เก็บรักษา หลายเกตเวย์ to reduce risk if one provider places a hold or delay
Shopify Payments holds up well in performance and integration. But at this scale, most businesses build a hybrid stack to improve redundancy and control.
International Sellers
Shopify Payments is not available in every country. If your business is based in an unsupported region, you’ll be required to use a third-party gateway.
สิ่งที่คาดหวัง:
- Shopify เพิ่มไฟล์ additional 0.5% to 2% fee per transaction when using external processors
- You’ll also pay the regular Stripe, PayPal, or 2Checkout fees
- This combined fee can exceed 5% ต่อการขาย, depending on your plan and volume
- Customer payment methods may be limited depending on the region
ในกรณีเหล่านี้, Shopify Payments isn’t an option — but it’s still important to weigh the platform fees when selecting a gateway.
คำตัดสินสุดท้าย: คือ Shopify Payments คุ้มมั้ย?
Shopify Payments is the best payment solution for most Shopify users. It’s fast to set up, fully integrated into your store, and removes Shopify’s additional transaction fees — which can save merchants up to 2% per order. It performs well across all key areas like payout speed, dashboard clarity, and overall ease of use.
For sellers who are using Shopify exclusively and operating in a supported country, it’s the most seamless option. You’ll benefit from an all-in-one ecosystem where everything — orders, payments, payouts, and refunds — is managed from one place.
When I Recommend Shopify Payments
Based on my experience, I’d recommend Shopify Payments ถ้า:
- You’re selling in the U.S., UK, Canada, or Australia
- You want to reduce third-party complexity and cut out extra fees
- You don’t need custom checkout logic or subscription billing
- You’re focused on physical product sales, not digital or high-risk items
It’s especially useful for growing brands, thanks to lower fees on higher-tier plans and faster reconciliation for accounting teams.
When It Might Not Be the Best Fit
Shopify Payments won’t work for every business model. Here’s when I’d suggest looking at Stripe or PayPal instead:
- Your store is based in a country ไม่รองรับ Shopify Payments
- คุณต้องการ advanced billing features like metered subscriptions or invoicing
- คุณอยู่ใน หมวดหมู่ที่มีความเสี่ยงสูง (digital products, health products, adult, or supplements)
- คุณต้องการ more control over branding and checkout customization
Also, if you want to build a multi-platform business or expect to leave Shopify in the future, relying solely on Shopify Payments can create issues with data portability and subscription continuity.
My Recommended Setup
For most stores I’ve reviewed or tested, the ideal combination is:
- Shopify Payments as the default processor
- PayPal enabled as a secondary checkout option
- Stripe integrated separately for high-volume or subscription orders, หากมีความจำเป็น
This gives you the best of all worlds: low fees, buyer trust, and redundancy in case of account holds or technical issues.
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