Comparing the Best Shopify Payment Gateways for Australia in 2018

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The payment gateway is an exciting part of owning an ecommerce store - it's what gets your customers' money straight to you. When you pick one or a few to offer, there are a few things to consider. This post is all about what payment gateways Shopify is compatible with, so you can make the decision that's right for your business.

There are a few factors to keep in mind - the cost to you, the availability to your customers, the security of the gateway and the ease of use, for example. Although there are some particularly popular ones, it's not a one-size-fits-all.

Shopify offers its own in-house payment gateway PLUS over 100 third-party payment gateway integrations. These range from multi-national gateways, country-specific payment gateways and even cryptocurrencies like BitCoin.

Depending on your Shopify plan, you’ll have different transaction fees for third-party payment systems. Using Shopify Payments, all transaction fees are waived (though credit card fees still apply).

The following breakdown compares the most popular gateways used in Australia in 2018. A full list of payment gateways accepted for an Australian market can be found here.


Shopify Payments




Monthly Fees


0, but custom pricing for enterprises is available

0, with a $25/month fee for the pro version


Credit Card Rates for Domestic/Australian Customers

1.4% - 1.75% depending on plan + 30¢ per transaction

1.75% + 30¢ per transaction

1.1% + 30¢ to 2.6% + 30¢ per transaction depending on monthly sales

1.9% + 20c per transaction for Visa/Mastercard

2.6% per transaction for Discover/Diners

Volume discounts available

Credit Card Rates for international/ other currency customers

2.7% - 2.9% + 30¢ per transaction (includes domestic AMEX)

2.9% + 30¢ per transaction (includes domestic AMEX)

2.1% - 3.6% + fixed fee per transaction depending on monthly sales

2.6% + 30c

Transaction Fees from Shopify


2.7% - 2.9% + $0.30

2.7% - 2.9% + + $0.30

2.7% - 2.9% + $0.30

International Payment Fees



2.5% above exchange rate

You must open up multiple accounts for each currency you accept

Fees for Chargeback

$25, with full refund if dispute ends in your favour

$25, with full refund if dispute ends in your favour

$15, with seller protection available


Fees for Refunds



30 cents

30 cents



No, but compatible with several

Yes, called PayPal Here, with lower credit card fees for in-person sales


Recurring/subscription billing

Yes – via third party app




Accepts Apple Pay






24/7 Phone, Chat, & Email Support

Email Support

Online Community Forum and Twitter Account (AskPaypal)

24/7 Phone, Chat, & Email Support

Extra features?

Get access to accelerated checkouts, like Shopify Pay

GST already is included in all fees

Payouts are only every 3 days

Accepts AliPay and WeChat Pay

Payouts happen on a 2 day rolling basis

Lots of flexibility for custom pricing models

In person, online, over the phone, and donations all accepted

Supports express payments, eBay payments, and extra features such as PayPal Credit

Same-day or next-day payouts


Benefits and Features

There are a few important features that all of the above payment gateways offer, and features you should definitely think about if you're choosing a different gateway. 

Mobile Payments

Because mobile payments are one of the most important features for online shoppers, all of the above gateways offer the ability to check out directly from a phone or tablet. 

Point of Sale (POS)

For retailers who sometimes sell in person, such as markets, pop-ups or trade fairs, having a physical point of sale is crucial. Except for Stripe, all of the providers offer hardware like card readers that you can take with you and stay integrated. 

Subscription Billing

PayPal, Stripe, and Eway all provide recurring subscription billing as part of their main service. To use recurring payments with Shopify Payments, you'll need a third-party app from the Shopify marketplace.

Fraud Protection

Probably the most important feature is the security of the gateway. Protecting your customers from fraud or identity theft is a crucial part of gaining trust. All of the payment gateways you use should include strong protections (and the above do!)

How Do I Set up a Payment Gateway?

Setting Up Shopify Payments

To set up Shopify Payments on your store:

  1. From your Shopify admin, click Settings, then click Payments (or press G S P).

  2. In the Accept credit cards section, click Add a provider:

  3. Select Shopify Payments, and then click Continue:

  4. In the Shopify Payments section, click Complete account setup.

  5. Enter the required details about your store and your banking information.

  6. Click Complete account setup.

  7. After you've set up Shopify Payments, you can configure your settings or make a test transaction on your store.

Setting Up Third-party Credit Card Gateways

To activate a credit card gateway:

  1. From your Shopify admin, click Settings, then click Payments.

  1. In the Accept credit cards section, click Add a provider:

  2. In the Change provider dialog, select Third party credit card provider.

  3. Select the gateway you want to use from the drop-down menu, and then click Continue.

  4. Enter your account credentials for the gateway you selected.

  5. Click Activate, and you are ready to go!

Learn More

Still wrapping your head around how e-commerce gateway payments work, and what the best decision is for your business? Talk to Elkfox today, and we’ll help you sort it out.