Independent UK card payment reviews
Is your Shopify Payments deal still earning its place?
We review your Shopify Payments statement, rates, account fees, terminals and contract terms to work out what the arrangement is really costing your business—and whether it still fits the way you trade.
Independent review. No obligation to switch. We never contact Shopify Payments without your permission.
Provider pricing and terms vary by business and can change. Published details are linked to official sources where available; the figures that matter are the ones on your own statement, quote and signed agreement.
What we check on a Shopify Payments arrangement
Shopify Payments is the native card processing product for Shopify stores. Rates are set within Shopify plans, with lower percentages on higher-tier plans, and using a third-party gateway adds a further per-transaction fee.
Reviewing a Shopify Payments account usually means checking whether your plan tier, effective rate and third-party payment costs are aligned - and whether an external provider would be materially cheaper at your volume.
- Transaction rateSet by Shopify plan tier, with separate online and in-person rates.
- Third-party gateway feeAdditional per-transaction fee if you use a non-Shopify payment provider.
- Currency conversion feeApplied to cross-border transactions.
- Chargeback and dispute feesFixed fees per raised dispute.
Contract, terminals, payment channels and settlement considerations
- No separate merchant contract - use is governed by Shopify's terms of service.
- Plan changes take effect at the next billing cycle.
- No early termination fee - you can move to a different processor at any time.
- Moving off Shopify Payments will trigger the third-party gateway fee on remaining plan tiers.
Businesses Shopify Payments may or may not suit
Why businesses ask for a review
- Volume has grown and Shopify's tiered rates may no longer be the cheapest option.
- You want to benchmark Shopify's blended rate against Interchange Plus alternatives.
- You use multi-currency selling and want to check FX costs.
Related comparisons and learning guides
Frequently asked questions
Will reviewing my Shopify Payments statement contact Shopify Payments?
No. We never contact your current provider without your written permission. The review is private and entirely for your information.
Do I have to leave Shopify Payments after the review?
Not at all. Many reviews end with the business staying on a renegotiated rate, or with confirmation that the existing setup is reasonable. You are under no obligation to switch.
How long does a Shopify Payments statement review take?
We will confirm the expected review time after receiving your information.
What does the review actually check?
Transaction rates, terminal rental, PCI fees, authorisation fees, monthly minimums, settlement timings, contract length, exit fees and any additional charges specific to your account.
Get an independent view on your Shopify Payments setup
Send a recent Shopify Payments statement and we will calculate the effective cost of the arrangement and tell you plainly whether it is competitive. If it already is, we will say so.
Provider names and trademarks are used for identification. Card Payment Connect is independent and is not affiliated with or endorsed by this provider unless clearly stated.