The complete guide to taking payments on Shopify in the UK
The best payment setup for most UK Shopify stores is Shopify Payments as the main method, with Apple Pay, Google Pay and Shop Pay turned on, PayPal added alongside, and a buy now, pay later option such as Klarna or Clearpay if your average order is high enough. Shopify Payments has no extra Shopify transaction fee.
By Abdullah Ashraf, Shopify expert · Last updated: October 2026
Quick summary
- Shopify Payments UK online card fees are 2%, 1.7% or 1.5% + 25p depending on plan.
- Turn on Apple Pay, Google Pay and Shop Pay for faster mobile checkout.
- Add PayPal alongside Shopify Payments, not instead of it.
- Buy now, pay later can raise conversion but costs more per order.
- Set up fraud checks and a clear chargeback process.
Shopify Payments
Shopify Payments is Shopify's own payment provider. It accepts major cards and wallets, pays out to your UK bank account and avoids Shopify's extra third-party transaction fee. UK online card fees are 2% + 25p on Basic, 1.7% + 25p on Grow and 1.5% + 25p on Advanced. See how to set it up.
Wallets: Apple Pay, Google Pay and Shop Pay
Wallets let customers pay without typing card details, which matters on mobile. They're available through Shopify Payments and can be switched on in payment settings. Shop Pay also remembers customer details across Shopify stores. Turn on wallets.
PayPal
Many UK shoppers prefer PayPal. Add it alongside Shopify Payments so customers can choose. If PayPal is your only provider, Shopify adds its own transaction fee of 0.6% to 2%. Compare Shopify Payments and PayPal.
Buy now, pay later
Options such as Klarna and Clearpay let customers spread payments. They can increase conversion on higher-priced items, but merchant fees are higher than cards. Compare Klarna and Clearpay, then set it up.
Payouts and reconciliation
Shopify Payments pays out to your bank on a regular schedule. New accounts or unusual activity can cause payout holds while Shopify verifies details. Connect Shopify to your accounting software so payouts, fees and refunds match. Understand payouts.
Fraud and chargebacks
Shopify's fraud analysis flags risky orders. Check high-risk orders before shipping, use tracked delivery for valuable items and keep proof of delivery. If a chargeback happens, respond quickly with evidence. Read the fraud guide.
Surcharges and UK rules
UK rules generally don't allow surcharges on consumer card payments, so build payment costs into your prices. Read more about surcharges.
Frequently asked questions
Is Shopify Payments available in the UK?
Yes, for eligible UK businesses.
How long do payouts take?
Why is my payout on hold?
Can I take bank transfers?
Official sources
Checked September 2026. Rules change, so always check the latest official guidance.
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