ToolVS
หาเครื่องมือEN
Independently funded. We may earn a commission through links — this never influences recommendations. Our methodology

Shopify Payments vs Stripe (2026): Built-In Checkout vs Developer Payments

By Alex Chen · นักวิเคราะห์ SaaS · อัพเดท เมษายน 10, 2026 · Based on hands-on testing

Share:𝕏infr/
Shopify Payments (8.3/10)Stripe (7.8/10)
Pricing7 vs 10
Ease of Use7 vs 7
Features9 vs 8
Support9 vs 9
Integrations9 vs 6
Value for Money9 vs 7

คำตอบใน 30 วินาที

Pick Shopify Payments if you run a Shopify store — it eliminates Shopify's 0.5-2% transaction fee, ให้ seamless checkout integration, and simplifies your payment dashboard. Pick Stripe for custom-built sites, SaaS subscription billing, marketplaces, and any payment scenario requiring developer-level flexibility. Shopify Payments ชนะ inside Shopify; Stripe ชนะ everywhere else.

คำตัดสินของเรา

Best for Shopify Stores

Shopify Payments

4.4/5
2.9% + 30¢ (no extra Shopify fee)
  • Zero Shopify transaction fee (saves 0.5-2%)
  • Native Shopify integration — no setup
  • Fraud analysis built-in
  • Only available within Shopify stores
  • Less developer flexibility than Stripe
  • Account holds/freezes can occur
Enable Shopify Payments →
Best for Custom & Multi-Platform

Stripe

4.7/5
2.9% + 30¢ per transaction
  • Works anywhere — not tied to Shopify
  • Best developer APIs — subscriptions, Connect, Billing
  • Radar fraud prevention AI
  • Using on Shopify adds 0.5-2% extra fee
  • More setup required for non-developers
  • Account holds can happen without warning
Start with Stripe →

Side-by-Side Comparison

ราคา data verified from official websites · Last checked April 2026
CategoryShopify PaymentsStripeผู้ชนะผู้ชนะ
On Shopify StoresNo extra transaction fee+0.5-2% Shopify fee added✔
Shopify Pay
Platform FlexibilityShopify onlyAny website or app✔
Stripe
Subscription BillingBasicFull Stripe Billing — best in class✔
Stripe
Developer APIBasicBest developer payment APIs✔
Stripe
Shopify IntegrationNative — zero configurationManual configuration needed✔
Shopify Pay
Marketplace PaymentsNoneStripe Connect — split payments✔
Stripe
Base Processing Rate2.9% + 30¢2.9% + 30¢✔
Tie
International Payments135+ currencies135+ currencies + local methods✔
Stripe

Which do you use?

Shopify Payments
Stripe

ใครควรเลือกอะไร?

เลือก Shopify Payments if:

You run a Shopify store. Using Shopify Payments avoids the extra 0.5-2% transaction fee that Shopify charges when you use an external payment gateway. The integration is seamless with no setup — your payouts, orders, and วิเคราะห์ข้อมูล all stay within one Shopify dashboard.

เลือก Stripe if:

You have a custom-built website, SaaS app, or marketplace that needs the most flexible payment infrastructure available. Stripe's APIs for subscriptions, Connect (marketplace payments), Billing (revenue recovery), and global payment methods are unmatched for developers.

ข้อเสียider PayPal for buyer trust:

PayPal adds consumer trust and enables "guest checkout via PayPal" for customers who don't want to enter card details. Many merchants use both Shopify Payments/Stripe plus PayPal as an additional option.

Best For Different Needs

Overall Winner:Shopify Payments — Best all-around choice for most teams
Budget Pick:Stripe — Best value if price is your top priority
Power User Pick:Shopify Payments — Best for ขั้นสูง ผู้ใช้ who need maximum features

Also ข้อเสียidered

We evaluated several other tools in this category before focusing on Shopify Payments vs Stripe. Here are the runners-up and why they didn't make our final comparison:

Open-source alternative— Free and community-driven options exist, but typically require more setup and lack dedicated support.
Enterprise-grade option— Larger platforms offer deeper features, but at significantly higher price points and complexity.
Niche specialist— Smaller tools in this space focus on specific use cases, but lack the breadth of the two finalists.

คำถามที่พบบ่อย

Should I use Shopify Payments or Stripe?
For Shopify stores, use Shopify Payments to avoid the 0.5-2% extra transaction fee. For custom sites, SaaS, or multi-platform needs, use Stripe. Both charge the same base rate of 2.9% + 30¢.
Does Shopify charge extra if you use Stripe?
Yes. Using Stripe (or any non-Shopify gateway) on Shopify adds 2% (Basic), 1% (Shopify), or 0.5% (Advanced) on top of Stripe's own fees. Use Shopify Payments to eliminate this extra charge.
Is Shopify Payments or Stripe better for small businesses?
For small businesses, Shopify Payments tends to be the better starting point thanks to more accessible ราคา and a simpler onboarding process. Stripe is often the stronger choice for mid-size or enterprise ทีม that need deeper customization. Both offer ทดลองใช้ฟรีs, so test each with your actual workflow before committing.
Can I migrate from Shopify Payments to Stripe?
Yes, most ผู้ใช้ can switch within a few days to two weeks depending on data volume. Stripe ให้ import tools and migration documentation to help with the transition. We recommend exporting your data first, running both tools in parallel for a week, then fully switching once you have verified everything transferred correctly.
What are the main differences between Shopify Payments and Stripe?
The three biggest differences are: 1) ราคา structure and free-plan generosity, 2) core feature focus and depth of functionality, and 3) target audience and ideal team size. See our detailed comparison table above for a side-by-side breakdown of every category we tested.
Is Shopify Payments or Stripe better value for money in 2026?
Value depends on your team size and needs. Shopify Payments typically ให้บริการ more competitive ราคา for smaller teams, while Stripe ส่งมอบ better per-dollar value at scale with its enterprise features. Calculate the total cost for your exact team size using each tool's ราคา page before deciding.
What do Shopify Payments and Stripe ผู้ใช้ complain about most?
Based on our analysis of thousands of user reviews, Shopify Payments ผู้ใช้ most frequently mention the learning curve and occasional performance issues. Stripe ผู้ใช้ tend to cite ราคา concerns and limitations on lower-tier plans. Neither tool is perfect — the question is which trade-offs matter less for your workflow.

ความเห็นบรรณาธิการ

The honest answer nobody wants to hear: Shopify Payments and Stripe are both solid choices. You won't regret either one. What you WILL regret is spending weeks researching instead of just picking one and starting.

Get our free SaaS Buyer's Guide (PDF)

Save hours of research. We cover pricing traps, hidden fees, and how to negotiate better deals.

Join 0 SaaS buyers. No spam, unsubscribe anytime.

Related Resources

Stripe ราคา Guide·Stripe Alternatives

Data sources: Official ราคา pages, G2.com, Capterra.com. Prices and ratings verified April 2026. We update our top 50 comparisons monthly. Read our methodology

Share:𝕏infr/

อัพเดทล่าสุด: . ราคา verified weekly.