Shopify Payments is Shopify's own payment infrastructure: it lets you accept payments in your store by credit card, Apple Pay, Google Pay and Shop Pay without signing up with a separate payment provider. Stores that use it don't pay the extra transaction fee Shopify charges on third-party payment providers. However, Shopify Payments is only available to businesses based in certain countries, and Turkey is not one of them.
In this article we explain what Shopify Payments is, how it works, which countries it's available in and what stores in Turkey should do instead.
How does Shopify Payments work?
Shopify Payments brings payment processing into your store admin. When a customer enters their card on the checkout page, the transaction is authorised through Shopify Payments, and the amount is transferred to your registered bank account after a set period. Payments, refunds and chargebacks are managed from the Shopify admin without logging into a separate panel.
Its key features:
Managed from one place: payments, refunds, chargebacks and the payout schedule appear in the Shopify admin.
Shop Pay: Shopify's accelerated checkout. Customers who have paid with Shop Pay before can pay without re-entering their details.
Multi-currency: in supported markets, customers can pay in their local currency.
Fraud analysis: orders that look risky are flagged in the admin.
No extra transaction fee: Shopify charges stores using a third-party payment provider an extra transaction fee based on their plan. Stores using Shopify Payments don't pay this fee; they only pay card processing fees.
Which countries is Shopify Payments available in?
According to the Shopify Help Center, as of November 2026 Shopify Payments is available to businesses in 41 countries and regions:
Region | Countries |
|---|---|
North America | United States, Canada, Mexico |
Europe | Germany, Austria, Belgium, Bulgaria, Czechia, Denmark, Estonia, Finland, France, Croatia, Netherlands, Ireland, Spain, Sweden, Switzerland, Italy, Cyprus, Latvia, Liechtenstein, Lithuania, Luxembourg, Hungary, Malta, Norway, Poland, Portugal, Romania, Slovenia, Greece, United Kingdom, Gibraltar |
Asia-Pacific | Australia, New Zealand, Japan, Singapore, Hong Kong, China |
Middle East | United Arab Emirates |
What matters is the country where the business is registered, not the country the store sells to. Some business categories also can't use Shopify Payments even in supported countries. As the list changes from time to time, we recommend checking the current status on Shopify's official page.
What should stores in Turkey do?
A business registered in Turkey can't activate Shopify Payments. In that case, you need to use a third-party payment provider that integrates with Shopify to accept payments. The most common options in Turkey are iyzico, PayTR and banks' virtual POS solutions.
When you use a third-party provider, there are two cost items: the payment provider's own commission and the extra transaction fee Shopify charges based on your plan.
Shopify plan | Extra transaction fee with a third-party payment provider |
|---|---|
Basic | 2% |
Grow | 1% |
Advanced | 0.6% |
Plus | 0.2% |
As sales volume grows, this extra fee can cover the cost of moving to a higher plan. When choosing a plan, look not only at the monthly fee but also at the total transaction fees you'll pay on your revenue.
Articles where we compare payment providers in detail:
Using Shopify Payments when selling abroad
For brands selling abroad from Turkey, a common approach is to open a separate store through a company based in a country where Shopify Payments is supported. For example, by setting up a company in the US, the UK or an EU country, the store opened for that country can use Shopify Payments and Shop Pay. This setup offers customers abroad familiar payment methods and removes the extra transaction fee.
As this approach also involves company formation, tax and accounting, we recommend making the decision together with a financial adviser. We cover the technical side in our article on clone sites for international sales.
How do you activate Shopify Payments?
If your business is registered in a supported country:
In your Shopify admin, open Settings → Payments.
Start the account setup in the Shopify Payments section.
Enter your business details, identity and address documents and the bank account payouts will go to.
Turn on two-step authentication; it's required for Shopify Payments.
Once verification is complete, you can start accepting payments.
The required documents and bank account conditions vary by country.
Frequently asked questions
Is Shopify Payments available in Turkey?
No. As of November 2026, Shopify Payments isn't available to businesses registered in Turkey. Stores in Turkey use third-party payment providers such as iyzico, PayTR or bank virtual POS solutions.
Do I pay an extra fee if I don't use Shopify Payments?
Yes. Shopify charges stores using a third-party payment provider an extra transaction fee of between 0.2% and 2% depending on the plan. This fee is paid on top of the payment provider's own commission.
Are Shopify Payments and Stripe the same thing?
Shopify Payments uses Stripe's infrastructure in many countries, but it's a separate service integrated into Shopify. You open and manage the account from the Shopify admin.
Can I use Shop Pay from Turkey?
Shop Pay is a payment method tied to Shopify Payments. Stores in Turkey that can't use Shopify Payments can't offer Shop Pay as a payment method either.
Let's set up your payment infrastructure together
Choosing the right payment provider and Shopify plan directly affects both your conversion rate and your total transaction costs. If you'd like to plan your store's payment setup together, get in touch through our Shopify store setup page.
