Does Shopify use Stripe?

What "Shopify Payments runs on Stripe" actually means

Shopify Payments is the only payment gateway designed and operated by Shopify itself, and its whole appeal is that it removes the hassle of setting up a third-party provider or merchant account and entering those credentials into your store. Underneath, Shopify's own documentation names Stripe as Shopify Payments' banking partner and says Stripe processes Shopify Payments bank debits in most regions — while also noting that some regions use more than one payment processor, and naming PayPal and Adyen alongside Stripe.

You never see or manage a separate Stripe account — all payment reporting and management happens in your Shopify admin. Shopify has built Shopify Payments on Stripe's technology since the product launched in 2013. For the full mechanics — eligibility, setup, and payouts — see our guide to how Shopify Payments works.

"Already partnering with Stripe to power its Shopify Payments offering, Shopify was looking for a way to build upon its offerings."

— Stripe, official Shopify customer story

Can you connect your own Stripe account to Shopify?

For most merchants, no. In countries where Shopify Payments is available, Stripe is not listed as a separate third-party payment gateway, and Shopify states plainly that where Shopify Payments is supported in your country, Stripe will not be available for you to activate. That rules out wiring in a Stripe account you already run for another site — a common hope for stores migrating from a custom build or a different cart. The same limit is echoed in Shopify's community forum: you cannot use your own Stripe account, and every transaction only appears in your Shopify admin.

What happens instead depends on your country and situation:

• In a Shopify Payments region, but unable to activate the product: Shopify is categorical — standalone Stripe is not available as an alternative, and the documented remedy is to add a third-party payment provider that supports your business type.
• In a country Shopify Payments does not serve at all: Shopify does not publish a blanket country-by-country rule about Stripe — check the live list of payment providers for your own country on Shopify's payment gateways page rather than assume Stripe will or will not be there.

Either way, moving to Shopify Payments does not mean giving up Stripe — it is the same Stripe technology that has powered Shopify Payments since 2013, only fully managed inside your Shopify admin. For merchants migrating in, the practical move is to enable Shopify Payments rather than carry an old Stripe integration across.

Does Stripe under the hood change your fees?

No. Because Stripe sits invisibly beneath Shopify Payments, it never appears in your billing — you are quoted and charged Shopify's own published rates, with no separate Stripe fee layered on top. Whether Stripe's own discounts reach Shopify Payments is a separate question, covered in our answer on Stripe's nonprofit discount.

The cost question that actually matters is a different one: if you choose a different third-party or alternate gateway instead of Shopify Payments — not Stripe, which is not a separate option where Shopify Payments is available — Shopify applies a third-party transaction fee on those gateways even when Shopify Payments is activated, whereas Shopify Payments, Shop Pay, Shop Pay Installments, and manual methods avoid it. PayPal transactions are also exempt if Shopify Payments is your primary payment provider. One exception on stores created on or after May 12, 2025: the part of an order paid with store credit or a gift card is charged the third-party transaction fee even on Shopify Payments. For the full breakdown of those surcharges by plan, see our guide to Shopify's third-party payment gateways.

The practical verdict for most stores: if Shopify Payments is available to you, turn it on and stop worrying about Stripe — the real decision is Shopify Payments versus a third-party gateway, not Stripe versus not.