Shopify Payment Setup Checklist: Accept Payments on Your Store
Follow this Shopify payment setup checklist to configure secure payment gateways, reduce cart abandonment, and get paid faster from customers worldwide.
Payment setup is one of the most critical steps in launching your Shopify store. A poorly configured checkout loses customers at the final step. This checklist walks you through every payment setting ??from choosing the right gateway to configuring taxes ??so you never leave money on the table.
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Enable Shopify Payments if available in your country (zero extra transaction fees) 💡 Shopify Payments is available in US, UK, Canada, Australia, and 15+ more countries.
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Set up PayPal as an additional payment option (adds buyer trust) 💡 Connect your business PayPal account — avoid personal accounts for tax clarity.
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Add Stripe if Shopify Payments is unavailable in your region 💡 Stripe supports 135+ currencies and is ideal for global stores.
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Configure your payment capture settings (automatic vs. manual) 💡 Use automatic capture for digital products, manual for custom or pre-orders.
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Enable Buy Now Pay Later options (Shop Pay Installments, Afterpay, Klarna) 💡 BNPL can increase average order value by 20–30% for higher-ticket items.
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Set up accelerated checkouts: Shop Pay, Apple Pay, Google Pay 💡 Accelerated checkouts reduce checkout steps and lower abandonment significantly.
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Review and set your transaction fees in Shopify settings 💡 Upgrade to Shopify plan or higher to eliminate third-party transaction fees.
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Configure your payout schedule (daily, weekly, or monthly) 💡 Daily payouts improve cash flow. Set this up in Payments > Payout schedule.
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Add your bank account details for payout deposits 💡 Use a dedicated business bank account separate from personal finances.
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Enable 3D Secure fraud protection on payment transactions 💡 Enable Shopify Fraud Protect for eligible orders to avoid chargeback losses.
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Test payment processing using Shopify's Bogus Gateway 💡 Test all scenarios: successful, failed, and pending payment states.
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Configure your refund and partial refund process 💡 Automate refunds where possible to reduce customer support workload.
✅ Summary
With payments fully configured, your store is ready to accept orders worldwide. Test your checkout with a real purchase, then move on to marketing. Check our Shopify Abandoned Cart Recovery checklist to recover shoppers who don't complete checkout.
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Enable Shopify Payments if available in your country (zero extra transaction fees)
💡 Shopify Payments is available in US, UK, Canada, Australia, and 15+ more countries.
Set up PayPal as an additional payment option (adds buyer trust)
💡 Connect your business PayPal account — avoid personal accounts for tax clarity.
Add Stripe if Shopify Payments is unavailable in your region
💡 Stripe supports 135+ currencies and is ideal for global stores.
Configure your payment capture settings (automatic vs. manual)
💡 Use automatic capture for digital products, manual for custom or pre-orders.
Enable Buy Now Pay Later options (Shop Pay Installments, Afterpay, Klarna)
💡 BNPL can increase average order value by 20–30% for higher-ticket items.
Set up accelerated checkouts: Shop Pay, Apple Pay, Google Pay
💡 Accelerated checkouts reduce checkout steps and lower abandonment significantly.
Review and set your transaction fees in Shopify settings
💡 Upgrade to Shopify plan or higher to eliminate third-party transaction fees.
Configure your payout schedule (daily, weekly, or monthly)
💡 Daily payouts improve cash flow. Set this up in Payments > Payout schedule.
Add your bank account details for payout deposits
💡 Use a dedicated business bank account separate from personal finances.
Enable 3D Secure fraud protection on payment transactions
💡 Enable Shopify Fraud Protect for eligible orders to avoid chargeback losses.
Test payment processing using Shopify's Bogus Gateway
💡 Test all scenarios: successful, failed, and pending payment states.
Configure your refund and partial refund process
💡 Automate refunds where possible to reduce customer support workload.