De beste betalingsgateways van Shopify die je moet kennen

Ideally, you want excellent Shopify payment gateways with a frictionless checkout experience. You want a Shopify payment gateway that will not give you nightmares during payouts and account reconciliation. In practice, a Shopify payment gateway works hand in hand with a payment service provider to move funds from your customer's card to your bank account.

The problem is, there are a plethora of payment gateways out there promising sunshine and rainbow. Choosing the best Shopify payment solution is daunting for the average e-commerce business owner.

This article will unveil the seven best Shopify payment gateways you should know. But before we take a deep dive into that task, let’s share some insights on what you should look for when choosing a Shopify payment solution for your e-commerce.

Onmisbare functies van een uitstekende betalingsgateway voor Shopify

Below are some essential features every great Shopify payment gateway must have.

1. Eenvoudige onboarding en uitstekende klantenservice

Your ideal Shopify payment gateway has seamless onboarding and integration with other frameworks. And they should make your customer’s shopping experience memorable. That includes fraud detection and security that matches your business model. Choosing a payment gateway that doesn’t fit your e-commerce business model will cost you a lot of money. You’ll equally lose your customers.

2. Transparantie van kosten en transactiekosten

Before you onboard any payment gateway, be clear about the total cost you’ll incur at the end of the day. There are three angles you should be evaluating. The first is the setup fee, the second is the monthly fee and the third is the transaction fee.

Consider the volume and value of your transactions when making your computation, and ensure the transaction fee rate is around 2.9% + 30ç. It makes sense to onboard a payment gateway that allows fixed monthly and low transaction fees if your business model requires high-value transactions.

3. Wereldwijd verkrijgbaar

When choosing a Shopify payment gateway, consider the scalability of the framework. Platforms like PayPal do not support specific geographic locations. Be sure the solution will support your potential target market or prospective geographic area as your e-commerce begins to scale.

4. Geaccepteerde betaalkaarten en ondersteuning voor meerdere valuta’s

Ensure your preferred Shopify payment gateway accepts the cards your customers could use for payments. Most people use credit cards such as Visa, MasterCard, and Amex when making payments. But what if your users pay you with crypto or mobile money? Will your payment gateway accept that?

Het is eveneens van cruciaal belang dat uw betalingsgateway betalingen in verschillende valuta’s kan verwerken, en ook betalingen uit andere landen als u internationaal actief bent. Klanten hoeven zich dan geen zorgen te maken over valutaconversie voordat ze betalen. In plaats daarvan kunnen ze in hun eigen valuta betalen. Dit zal de klantloyaliteit en de betaalervaring ten goede komen.

5. Periodieke facturering en wachttijd

Suppose your e-commerce is subscription-based. In that case, you need to find a Shopify payment gateway that understands your business model and can handle your payment needs adequately. You don’t have to manually charge credit cards on subscription schedules or offer retry options for failed transactions. Your payment processor should automate these.

You must also understand the payment holding time. Holding times range between 1-7 days, depending on the payment solution you choose. The holding time for your Shopify payment provider can impact your cash flow.

De beste betalingsgateways voor de ' Shopify ' die je moet kennen

Now that we’ve covered the essential features to look for in a Shopify payment gateway, below are the payment providers you should know.

💰#1: Shopify Payments

The best place to start this listicle is Shopify’s native payment processor.

Shopify Payments is the simplest way to accept payments online. It eliminates the hassle of setting up a third-party payment provider or merchant account and entering the credentials into Shopify. With Shopify Payments, you're automatically set up to accept all major payment methods when you create your Shopify store.

Further, Shopify Payments is integrated - you only pay for Shopify subscription fees. You have real-time monitoring functionality, the interface can be set up and integrated seamlessly, the checkout process is effortless, and the security framework is equally well thought out. Shopify Payments is available only to stores in certain countries and regions.

Your card rate is based on your store's Shopify subscription plan, and you can change plans whenever you want. The credit card processing fee is the same as the standard for your store location. Payment conversion rates are 1.5% in the US and 2% in all other countries.

🤑#2: Stripe

A complete payments platform engineered for growth. With Stripe, you can accept payments and move money globally with Stripe’s robust APIs and software solutions designed to help you capture more revenue.

From e-commerce stores to subscription businesses to platforms and marketplaces, Stripe offers a complete stack for all your payment needs across channels. You can create an account online in minutes and use our libraries and SDKs to accept payments securely.

Ze storten het geld rechtstreeks op uw bankrekening, en dankzij hun beveiligingssysteem kunt u zich tegen fraude beschermen en de autorisatiepercentages bij elke betaling verhogen, met behulp van onze machine learning en gegevens van miljoenen bedrijven.

It dynamically adapts to your customer’s device and location to increase conversion and supports coupons, tax rates, and more. With 135+ currencies and dozens of payment methods, Stripe makes it easy to launch new markets and add your customers’ preferred payment method to increase conversion abroad.

On the fee side, installing Shopify for Shopify is free, but you will have the standard transaction fee of around 2.9% of all sales plus $0.30 per sale back to Stripe.

💹#3: PayPal

PayPal believes that every person has the right to participate fully in the global economy. With over 416 million active consumer and merchant accounts, PayPal is one of the leading Shopify payment gateways.  

Het beschikt over een gebruiksvriendelijke functie waarmee je het systeem eenvoudig kunt installeren en je geld kunt beheren zoals jij dat wilt.

PayPal biedt de mogelijkheid om af te rekenen met cryptovaluta, nu te kopen en later te betalen met ‘Pay in 4’, te betalen via QR-code en tal van andere interessante betaalopties waarmee gebruikers snel en veilig geld kunnen uitgeven, overmaken en hun transacties beheren – allemaal op één plek.

PayPal has both premium and freemium service options for Shopify store owners on the subscription side. Their pricing options are wide-ranged, with the basic plan starting at 2.9% + $0.30 and the Pro plan going for $30/month.

💵#4: Square

Square offers businesses tools that connect every side of their business. With Square, you accept every kind of payment. Getting started with Square on Shopify is easy as Square has an in-built app you can easily integrate.

Whether you’re a small business or enterprise, Square makes accepting card payments as fast, painless, and secure as possible, with no extra fees, no long-term contracts, and no tricks. It’s one Shopify payment processing you can depend on so that you never miss a sale.

With Square's seamless syncing between your online and offline stores, you can have an omnichannel selling point without hassle.

The in-built security protocols give you several benefits, such as end-to-end encryption, complete PCI compliance, fraud, and account takeover protection. Account reconciliation and the payout is also quick and often take less than two days. And their customer support is reliable.

Square’s pricing is transparent and straightforward. You will pay one low rate (2.9% plus 30 cents) for every swipe, dip, or tap based on the payment method you choose. That’s it. There are no additional fees. The lowest Pro plan for Square starts at $12 per month with publishing on a custom domain. The premium option is $72 per month, and with that, your transaction rate reduces to 2.6% plus 30 cents per purchase.

🎯#5: Verifone

Verifone, formerly 2checkout, is an all-in-one monetization platform that maximizes your revenues and makes global digital sales easier. Whether you're tapping into international markets, looking to boost conversion rates, or running a subscription-based business, Verifone can help you tackle the complexities of digital commerce globally. With Verifone, you choose only what you need; add as your business expands.

Het modulaire ontwerp van het platform is ontwikkeld om tegemoet te komen aan deze dynamische behoeften, zoals wereldwijde betalingen, digitale handel, facturering van abonnementen, wereldwijde fiscale en financiële diensten, risicobeheer, compliance en partnerverkoop.‍

Bovendien krijg je alles wat je nodig hebt om zowel in eigen land als internationaal te verkopen. Ze stellen verkopers in staat om mobiele en online betalingen van kopers te accepteren, waar je je ook bevindt, of je nu fysieke of digitale goederen en diensten verkoopt, en of het nu om eenmalige of terugkerende transacties gaat.

Het Verifone-pakket voor het genereren van inkomsten helpt internationale bedrijven die digitale producten verkopen om hun inkomstenstromen uit digitale handel te vergroten. De abonnementskosten variëren van de standaardtarieven van 3,5% + $ 0,35 per geslaagde verkoop tot 4,5% + $ 0,45 per geslaagde verkoop voor bedrijven met een abonnementsmodel, en tot 6,0% + $ 0,60 per geslaagde verkoop voor verkopers van digitale producten.

🚀#6: Opayo

Opayo, formerly Sage pay, is a payment solution designed to suit your needs, whatever your size, whatever the type.

Their online payment system is easily integrated into major e-commerce and POS platforms. The setup process is quick. With secure encryption and custom payment pages, you can choose between four simple integration methods. Each method offers the ability to maintain different levels of control and communication between your website and your platform of choice.

Another crucial benefit of using Opayo as your Shopify payment gateway is that it allows customers to pay through PayPal if they choose to, giving a merchant multi-faceted opportunities to secure a sale.

However, some vendors find Opayo’s customer authentication solution quite problematic in that it can take up to 5 weeks to verify your account. The value, though, is that the full-frame security procedure helps you limit fraudulent transactions.

Opayo is quite popular among UK and US e-commerce vendors, and their pricing is not like that of most payment gateways. Instead of transaction fees, Opayo charges monthly fees that start from £25 for 350 transactions per month instead of transaction fees. You can also choose top-tier corporate plans if your monthly processing needs are upwards of 1000 transactions.

✨#7: Klarna

Dankzij de ‘nu kopen, later betalen’-strategie van Klarna kunnen klanten elke aankoop in vier rentevrije termijnen betalen, zowel online als in de winkel.

Suppose you’re an established e-commerce business or a vendor selling expensive, high-risk products, and you’re looking for a seamless Shopify payment gateway for your customer. In that case, Klarna brings so much value to the table. Their simple cart integration system makes it easy for you to start accepting payments without hassle.

Klarna merkt op dat miljoenen mensen de voordelen van hun betalingsplannen ontdekken. En dat is begrijpelijk gezien de huidige omstandigheden in de wereldwijde handel.

Hun transparante kredietopties, aangeboden in samenwerking met WebBank (lid van de FDIC), bieden gebruikers flexibele financieringsmogelijkheden om grotere aankopen moeiteloos te doen.

Wat de kosten betreft, vallen de tarieven en vergoedingen van Klarna ook mee. Verkopers die betalingen ontvangen via kaarten uit het Verenigd Koninkrijk of Ierland betalen ongeveer 2,49% plus 20 pence per transactie, maar voor betalingen uit andere regio’s kunnen de tarieven afwijken.

Kies de beste betalingsgateway van Shopify voor uw bedrijf

Choosing the best Shopify payment gateway for your e-commerce largely determines the sustainability of your business. You want a one-click payment solution that makes your customers want to come back again. And you want to ensure there are no hidden costs that'll flush your revenue down the pipe.

Comparing the best payment gateways side by side can help you match features and fees to your business model before committing.

Then again, the perfect Shopify payment gateway for your business depends on your business model. As you would have noticed from the descriptions above, there are no one-size-fits-all payment solutions. Review the recommended platforms above and choose the processor that makes sense for your customers.

See how Chargeflow can help you stop eCommerce chargebacks before they happen or recover disputes on autopilot.