Shopify Payments not available in my country: how to get paid on Shopify (2026)

If Shopify Payments isn't available in your country, you can still run a Shopify store and get paid. You connect a third-party payment provider instead, usually a local gateway such as Razorpay, Midtrans, Xendit, PayMongo, Payfast, Paystack or Safepay, often alongside PayPal. The catch is cost: Shopify adds its own fee of 0.2% to 2% on every order paid that way, on top of the gateway's fees.

This guide shows the official country list, what that extra fee costs on each plan, which gateways have documented Shopify integrations in your market, and when setting up a company somewhere else is worth it.

Where Shopify Payments works today

Shopify Payments works only if your business is located in one of the countries on Shopify's own supported countries page. On 26 October 2026 that page listed 41 countries and regions:

• Asia-Pacific: Australia, China, Hong Kong SAR, Japan, New Zealand and Singapore.
• The Americas: Canada, Mexico and the United States.
• Middle East: the United Arab Emirates.
• Europe: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovenia, Spain, Sweden, Switzerland and the United Kingdom.

Plenty of big ecommerce markets aren't there. India, Indonesia, the Philippines, Pakistan, South Africa, Nigeria, Brazil, Malaysia, Thailand, Vietnam and South Korea were all missing on 26 October 2026. Shopify's page says that if your country isn't listed, "you need to use a third-party payment provider".

The same page warns that you "might need to provide personal identification, proof of address, and business registration documents". So the test isn't where your customers are. It's where your business is.

What Shopify charges when you use another provider

Shopify charges a third-party transaction fee on every order paid through an outside gateway, and the rate depends on your plan. Shopify's South African pricing page, which quotes US dollars, showed these on 26 October 2026:

This fee is separate from your gateway's charges. Shopify's third-party transaction fees page gives the formula: "[(cost of products - discounts) + tax + shipping charges] x rate". So the fee applies to tax and shipping too. It also says the fees "aren't returned to you when you issue an order refund".

Two things aren't charged:

• Manual payment methods, such as bank transfer and cash on delivery. Shopify says transaction fees "don't apply for POS orders or for manual payment methods".
• PayPal, but only alongside Shopify Payments. PayPal is exempt only if Shopify Payments is your primary provider. In a country without Shopify Payments, PayPal orders carry the fee like any other gateway.

When upgrading your plan pays for itself

A higher plan costs more each month but cuts the percentage. On yearly billing, Grow costs US$30 a month more than Basic and saves 1 percentage point, so it pays for itself at about US$3,000 a month in sales. Advanced costs US$250 a month more than Grow and saves 0.4 points, so it only pays at about US$62,500 a month.

On Basic, US$10,000 a month in card sales means US$200 to Shopify before your gateway takes its cut. Run your own numbers before you pick a plan.

Your options at a glance

Most stores outside the supported countries use a local gateway for home customers, PayPal for overseas buyers, and sometimes bank transfer or cash on delivery as manual methods. Fees below were checked on each provider's own page on 26 October 2026 and exclude Shopify's third-party fee.

The sections below give the detail and the catches for each.

Gateways by country

Every gateway here has its own Shopify integration documented on its site or listed on the Shopify App Store. Install it from your Shopify admin's Payments settings, and finish the gateway's own business verification first, or live payments won't switch on.

India: Razorpay

Razorpay's Shopify integration guide covers its Razorpay Secure app and lists India, Malaysia, Singapore and the United States as the countries it's available in. You need a Razorpay account with KYC complete; until then you can only run test payments.

Razorpay's pricing page lists 2% per successful transaction on domestic cards, UPI, netbanking and wallets, with 18% GST on its fee, no setup fee and no annual maintenance charge. International cards cost up to 3%. On 26 October 2026 the page also advertised a 0% fee for the first 90 days for new sign-ups, so check whether that still applies when you join.

Indonesia: Midtrans and Xendit

Midtrans and Xendit both connect to Shopify. Midtrans' ecommerce platform docs describe its "Payments via Midtrans" app: you install it from the Shopify App Store, enter your Midtrans Merchant ID and Server Key, and activate it. Customers pay on a Midtrans-hosted page. You need completed business verification to activate payment methods, and Midtrans notes that Shopify "may be required" to be on an active paid plan for live checkout.

Midtrans' pricing lists credit cards at 2.9% + IDR 2,000, QRIS at 0.7%, GoPay at 2% and bank transfer or virtual account at IDR 4,000 per transaction. Check the page for VAT: its English and Indonesian versions didn't agree on which fees exclude it on 26 October 2026.

Xendit's Shopify docs say any Shopify plan works, and you need a Xendit account with your User ID and Key for the Shopify integration. Its pricing page wouldn't load for us on 26 October 2026, so compare its rates with Midtrans on the day you sign up.

If you're running your store from Bali, Bali Startup & Tech covers the local side of setting up a business there.

Philippines: PayMongo

PayMongo publishes Credit/Debit Card via PayMongo on the Shopify App Store. It's free to install and takes Visa and Mastercard. PayMongo's pricing has no setup fee and lists local cards at 3.125% + PHP 13.39, international cards at 4.02% + PHP 13.39, GCash at 2.23%, Maya at 1.79% and QR Ph at 1.34%. Rates exclude VAT, and "12% VAT is charged on the fee, not on the payment".

South Africa: Payfast and Paystack

South Africa has two well-documented options. The Payfast app connects your store to a Payfast merchant account and offers cards, Instant EFT, buy now pay later and Scan to Pay. Payfast's fees are 3.2% plus R2.00 on credit and cheque cards and 2% (minimum R2.00) on Instant EFT. A standard payout costs R8.70 excluding VAT, whatever its size.

The Paystack app covers Nigeria, Ghana, Kenya, Rwanda, Côte d'Ivoire and South Africa. Paystack's transaction pricing for South Africa is 2.9% + R1.00 on local payments, 2% on EFT and 3.1% + R1.00 on international cards, VAT exclusive. In Nigeria it's 1.5% + NGN 100 on local channels, capped at NGN 2,000, and 3.9% + NGN 100 on international cards.

Pakistan: Safepay

The Safepay Checkout Raast app calls itself "Pakistan's first Shopify payment app for RAAST", taking payments from supported local banks and wallets without sending customers off your store. It's free to install. Safepay charges a per-transaction fee that the listing doesn't print, so get the rate from Safepay before you rely on it.

PayPal for overseas buyers

Shopify creates a PayPal account for you automatically. Its PayPal setup page says a PayPal Express Checkout account is "automatically generated using the email address that you use to sign in". You need to finish the setup before you can refund orders or capture payments manually.

PayPal can be expensive. PayPal's India fee page says "For India users, we only support international payments", and charges 4.40% plus a fixed fee (US$0.30 for US dollar payments) on payments from outside India. Add Shopify's third-party fee and a Basic-plan order costs you over 6.4% before currency conversion.

Adyen for larger brands

Adyen works with Shopify, but it's built for brands that already have an Adyen account. Shopify's Adyen page says "Only organizations with an existing Adyen approval can use Adyen on Shopify", and that Klarna and PayPal aren't supported through the integration. It also notes that Managed Markets, Shopify's merchant of record service, "requires Shopify Payments", so that's off the table without it.

Manual payments: bank transfer and cash on delivery

Manual payment methods avoid Shopify's third-party fee entirely. If your customers already pay by bank transfer or cash on delivery, offering those as manual methods saves you 0.2% to 2% on each of those orders.

The trade-off is work and risk. You confirm each bank transfer yourself before you ship, and cash on delivery leaves you exposed to refused parcels. Use manual methods alongside a gateway, not instead of one.

When a company in a Shopify Payments country makes sense

A company in a supported country can unlock Shopify Payments, but only if the business genuinely operates there. Shopify's US requirements page asks for "the official physical address of the business in the United States, where the business operations primarily occur". It also says:

• Individuals and sole proprietorships "are required to live in the United States".
• Other business types, such as LLCs, can have a home address outside the US, and a non-US resident can provide a passport instead of an SSN or ITIN.
• Payouts need "a full checking account with a bank in the United States in USD currency" that can take ACH transfers. Services that "mimic bank accounts, such as some fintech platforms, can't be used".
• You need to list "any other people who own 25% or more of the business equity".

So a US LLC run from Jakarta or Johannesburg won't automatically qualify. It's worth it when you'd form the company anyway: you sell mainly to US customers, keep stock or a team there, or want US banking for other reasons. Our US LLC guide for non-US founders covers the setup and the yearly obligations, and where to incorporate as a remote founder compares the US with Singapore, Hong Kong and others. For the US checking account itself, see business accounts for remote founders.

If your problem is wider than Shopify, our guide to Stripe not being available in your country covers merchants of record and other ways to get paid for software and services.

Why borrowed identities and "Shopify Payments for any country" services aren't a route

Services that promise "Shopify Payments for any country" usually set the account up in someone else's name or company. Shopify's terms rule that out. The Shopify Payments Terms of Service say "you must be a business located in your Designated Country", and that the service is "only made available to persons in the Designated Country that operate a business selling goods and services".

The same terms say you must not "permit any third party to use and benefit from the Payments Services via a rental, lease, timesharing, service bureau, or other arrangement", or "transfer any rights granted to you under this Agreement". You also confirm that "the information that you have provided to us is accurate and complete".

Shopify can act on a breach quickly. It may ask for more information about you and your business, and "your failure to comply with any of these requests may result in suspension or termination". After termination, the payment processor "may elect to continue to hold any funds deemed necessary" for chargebacks, disputes, refunds or investigations.

There's a simpler problem too. Whoever's name is on the account legally owns it and its payouts. If they walk away, or the account is frozen, your customers' money goes with it. Use a route that's open to you in your own name.

How to choose

Start with where your customers are and how they like to pay.

• Mostly local customers. Use your country's gateway (Razorpay, Midtrans or Xendit, PayMongo, Payfast or Paystack, Safepay) and offer the methods people actually use, such as UPI, QRIS, GCash or Instant EFT.
• Mostly overseas customers. Add PayPal, and check your local gateway's international card rate. Watch the stacked fees.
• Growing past about US$3,000 a month. Price Grow against Basic using the arithmetic above.
• Genuinely operating in a supported country. Look at a company there, with real banking and a real address, and read the requirements page first.

To compare gateways with other ecommerce operators, join Remote Builders (it's free).

Common mistakes

These are the ones that cost store owners money or a frozen account.

• Trusting an old forum thread. Shopify's list changes. Check the supported countries page on the day.
• Forgetting the third-party fee. On Basic, 2% on top of a 2% gateway fee doubles what you pay per order.
• Assuming PayPal is fee-free on Shopify. The exemption only applies when Shopify Payments is your primary provider.
• Expecting refunds to return the fee. Shopify keeps it.
• Staying on Basic for too long. Past about US$3,000 a month, Grow is usually cheaper overall.
• Going live before verification. Razorpay, Midtrans and others need KYC complete before live payments work.
• Forming a US LLC just for Shopify Payments. The address rule is about where operations primarily occur, and the bank account must be a full US checking account.
• Buying a "Shopify Payments anywhere" package. It breaks Shopify's terms, and the money legally belongs to whoever is on the account.
• Planning around Managed Markets. Shopify's merchant of record service needs Shopify Payments.

Checklist before you launch

1. Confirm your country isn't on Shopify's list.
2. Pick a local gateway with a documented Shopify integration and start its business verification.
3. Turn on PayPal if you expect overseas buyers, and finish its setup so you can refund.
4. Add manual methods your customers already use, such as bank transfer or cash on delivery.
5. Work out your total cost per order: gateway fee, Shopify's third-party fee and any currency conversion.
6. Check which plan is cheapest at your sales volume.
7. Keep every account in your own name or your own company's name.
8. Recheck fees and the country list on the day you sign up, because they change.