Best Payment Apps for Shopify

Imagine this: a customer has filled their cart with your products. They’re excited about their purchase. But they’re met with limited payment options or a complicated process at checkout. What happens next? They abandon the cart, leaving you with lost revenue and frustration. It’s a scenario no Shopify merchant wants to face, yet it’s all too common.

That’s where the proper payment apps come in. These tools don’t just process transactions. They redefine your customers’ experience. From offering flexible payment plans like buy-now-pay-later to simplifying global payments with trusted gateways like Stripe or PayPal, the right apps can do wonders for your store’s sales and customer satisfaction.

Think about it: would you rather risk losing a customer at the finish line or offer them a payment solution so smooth they’ll be back for more? You need to know about the best apps for payment for Shopify to scale your brand, whether you are a startup or a large corporation.

Top Apps for Payment for Shopify in 2025

We’ll explore the best apps for payment for Shopify. You’ll discover how they cater to modern shoppers’ needs, simplify your backend processes, and help you keep up with the ever-changing e-commerce landscape. Ready to level up your checkout game? Let’s dive in.

1. Scala Parcalamento Installment: Simplify Installment Options for Your Shoppers

When customers see flexible payment options directly on your product pages, it can help them make quicker purchase decisions. Scala Parcalamento Installment is perfect for stores wanting to boost conversions and make high-value items more accessible. While it doesn’t process transactions, it works effortlessly with leading BNPL services, offering a seamless integration experience.

Features:

• Automatically displays Buy Now, Pay Later (BNPL) plans beneath product prices.
• Compatible with Klarna, Mercado Pago, GrabPay, Atome, and more.
• Supports over 135 currencies, including USD, EUR, GBP, AUD, and NZD.
• Use the Shopify theme editor to customize colors, installment messages, spacing, and interest details.
• Allows previewing changes before publishing for easy customization.
• Optimized for fast loading to improve conversion rates and increase average order value (AOV).
• Keeps your Shopify theme files intact with read-only functionality.

Pros:

• Displays payment flexibility upfront, helping customers plan their purchases.
• Easy customization ensures the app blends well with your store’s design.
• It supports multiple currencies, making it suitable for global stores.
• Hassle-free installation with no impact on your theme files.

Cons:

• It doesn’t process payments, so you’ll need a compatible BNPL provider.
• Only display installment options with advanced analytics and reporting.

2. Downpay: Deposits Made Easy for High-Value Sales

If you sell custom or high-value items, payment flexibility can make all the difference. Downpay: Deposits Made Simple lets your customers pay a deposit or split their payments into manageable chunks. It’s excellent for building trust while ensuring smoother preorder and made-to-order sales. It has tools to automate the payment process and streamline your operations.

Features:

• Offers partial payments, deposits, or pay-later options to suit customer needs.
• Automatically charges or authorizes payments on stored cards for convenience.
• Seamless integration with Shopify Flow, bulk editing, and Hydrogen themes.
• API support for scaling and automating partial payment setups.
• Includes a customer portal for updating payment methods or managing orders.

Pros:

• Makes high-value purchases accessible, increasing sales and customer loyalty.
• Saves time by automating payment collections for pending balances.
• Works smoothly with both standard Shopify themes and Hydrogen-powered storefronts.
• Offers a user-friendly portal, giving customers more control over payments.

Cons:

• Setup may require some technical knowledge of API and automation features.
• Less suited for stores dealing with lower-cost, fast-moving goods.

3. Afterpay On-Site Messaging: Appeal to Gen Z and Millennials with BNPL

Shoppers today want flexibility and convenience, especially younger generations who prefer buy-now, pay-later (BNPL) solutions. Afterpay On-Site Messaging bridges this gap by integrating customized payment messages into your Shopify store. It's designed to grab attention, build trust, and encourage faster checkouts by highlighting BNPL options directly on product and cart pages.

Features:

• Adds payment messaging on product and cart pages using a visual editor.
• Fully customizable—adjust mobile views, footer icons, and theme designs to match your brand.
• Highlights minimum and maximum order limits for Afterpay payments.
• Supports both desktop and mobile, ensuring a seamless shopping experience.
• Enables easy previewing of messaging changes before publishing.

Pros:

• It is ideal for targeting Gen Z and Millennials who recognize and trust Afterpay.
• Customizable messaging makes it easy to align with your store’s branding.
• It helps boost conversions by encouraging faster checkouts.
• Simple integration with Shopify ensures minimal technical hassle.

Cons:

• Limited to promoting Afterpay as a payment method—no support for other BNPL providers.
• Some customization options are essential for advanced design needs.

4. Try Before You Buy with Mirra: Risk-Free Shopping for Your Customers

Trying products at home before committing to a purchase is a game-changer, especially for apparel, accessories, or home goods. Try Before You Buy with Mirra offers a secure and hassle-free way for customers to try products and pay only for what they keep. It’s an excellent way to boost customer confidence, reduce return anxiety, and encourage larger orders.

Features:

• Allows customers to try products at home before purchasing.
• Payment details are securely stored at checkout for future billing.
• Includes a customer self-service portal for managing payments and returns.
• Offers seamless integration with tools like Shipstation, Cin7 Core, and Australia Post (eParcel).
• Provides 24/7 support and access to marketing materials to promote your try-at-home feature.

Pros:

• Enhances customer trust by letting them try before committing.
• Encourages larger orders, improving your average order value.
• Reduces operational load with a self-service portal for customers.
• Excellent support ensures smooth implementation and ongoing use.

Cons:

• Works best for higher-ticket items or products with a high return rate.
• Requires coordination with logistics providers to manage returns effectively.

5. ReturnGO Returns & Exchanges: Simplify and Automate Your Returns Process

Managing returns can be daunting, but ReturnGO Returns & Exchanges makes it a seamless experience. Designed to prioritize exchanges over refunds, this app automates the entire returns process while offering customers an intuitive, branded return portal. It’s a must-have for merchants looking to improve customer satisfaction while cutting down on manual work.

Features:

• Branded self-service portal for customers to initiate returns and exchanges.
• Supports product exchanges, gift returns, cancellations, store credit, and refunds.
• Flexible return reasons with options for follow-up questions and media uploads (images or videos).
• Automates return workflows with rules for auto-exchange, auto-refund, or pre-approved requests.
• Generates pre-paid return shipping labels for convenient tracking.
• Integrates with major shipping carriers, 3PLs, ERPs, and helpdesks like Gorgias and Shipstation.

Pros:

• Enhances customer satisfaction by simplifying returns and exchanges.
• Saves time with automation rules that reduce repetitive tasks.
• Branded portals maintain a professional look and reinforce trust.
• Supports integrations for smooth order and return management.

Cons:

• It may require some effort to set up automation rules initially.
• Works best for stores with moderate to high return volumes.

6. PayPal: The Trusted Payment Giant for E-Commerce

As one of the most trusted payment processors, PayPal is a staple for Shopify merchants. With seamless integration and a focus on security, PayPal ensures your customers have a smooth and worry-free checkout experience. Its flexibility in handling currencies and payment types makes it ideal for businesses targeting international audiences.

Features:

• Supports various payment methods, including credit cards, bank transfers, and PayPal Credit.
• Offers buyer protection, enhancing customer confidence in their purchases.
• It supports multi-currency payments, making it perfect for international sales.
• Provides tools for invoicing, subscription management, and recurring payments.
• Includes fraud detection and secure payment processing for both merchants and customers.

Pros:

• Trusted worldwide, your Shopify store is increasing in credibility.
• Easy to set up and integrate with Shopify.
• Flexible payment options cater to diverse customer preferences.
• Strong security features, including fraud prevention and dispute resolution.

Cons:

• Transaction fees can be higher compared to other payment processors.
• Customers with a PayPal account might find the checkout process more seamless.

7. Stripe: Flexible and Developer-Friendly Payment Processing

Stripe is a go-to payment solution for businesses that value flexibility and innovation. Known for its robust API and seamless Shopify integration, Stripe offers tools to handle payments securely and efficiently. It is designed to grow your business and is one of the best apps for payment for Shopify.

Features:

• Accepts multiple payment methods, including credit/debit cards, wallets, and bank transfers.
• It supports over 135 currencies, making it ideal for international transactions.
• Advanced fraud detection with Stripe Radar, ensuring secure payments.
• Built-in subscription management for recurring billing.
• Provides detailed reporting and real-time analytics to monitor business performance.
• Developer-friendly API allows extensive customization and integration.

Pros:

• Highly customizable for unique business needs through its API.
• Reliable and secure payment processing boosts customer confidence.
• Multi-currency support ensures smooth international operations.
• Comprehensive reporting tools provide valuable business insights.

Cons:

• It may require developer assistance for advanced customizations.
• Processing fees can add up for small-margin businesses.

8. Apple Pay: Quick and Secure Payments for Mobile Shoppers

Apple Pay is a must-have for Shopify stores catering to tech-savvy and mobile-first customers. Known for its fast checkout and unmatched security, Apple Pay integrates seamlessly with Shopify to provide a hassle-free experience. It’s especially effective for reducing cart abandonment and encouraging impulse buys.

Features:

• Enables one-touch payments using Face ID, Touch ID, or device passcodes.
• Provides end-to-end encryption for secure transactions.
• There are no additional fees beyond Shopify’s standard payment processing charges.
• Works across iOS devices, including iPhones, iPads, and Apple Watches.
• Compatible with multiple payment gateways, ensuring flexibility.

Pros:

• Reduces checkout friction, encouraging faster purchases.
• A high level of security builds trust with customers.
• Perfect for mobile-first customers who value convenience.
• No extra fees make it cost-effective for merchants.

Cons:

• Limited to customers using Apple devices.
• Doesn’t support features like subscription management or advanced analytics.

How Can Spocket Help with Shopify Dropshipping Payments?

Regarding handling payments for your Shopify dropshipping store, Spocket provides a seamless and secure experience. Whether you’re managing subscription fees or processing orders, Spocket ensures every transaction is straightforward, reliable, and protected—so you can focus on growing your business. Spocket’s starter plan costs $39/month, and it offers a 14-day free trial.

Here’s how Spocket helps:

• Spocket offers multiple payment options for its subscription plans, allowing you to choose the method that fits your preference. You can pay via credit or debit cards, PayPal, or even directly through Shopify. 
• Spocket keeps your order payments secure. These globally trusted payment methods have built-in security measures, providing post-purchase protection for merchants and suppliers. 
• Spocket takes transaction security further by using Stripe as its payment processor. Stripe is PCI-compliant, meaning your payment data is handled with the highest industry standards. The best part? You don’t need a Stripe account to use Spocket—it operates behind the scenes to ensure every transaction is encrypted and safe. While Stripe includes a standard processing fee of 2.9% + $0.30 per transaction, this provides a robust and secure infrastructure for dropshipping operations.
• Integrating Spocket with Shopify is effortless. Once set up, you can manage payments for subscription plans and orders directly from your Shopify dashboard. This integration allows you to focus on running your store, with Spocket handling the payment complexities behind the scenes. Plus, with plans to expand payment methods, Spocket is committed to evolving to meet your business needs.

Why Trust Spocket for Shopify Payments?

Spocket’s payment ecosystem is designed with entrepreneurs in mind. From secure payment processing to reliable post-purchase protections, Spocket ensures your financial transactions are handled professionally and transparently. Whether you’re paying for a subscription or processing orders, Spocket simplifies the financial side of your dropshipping business.

Conclusion

Payments are more than just transactions—they’re the final touchpoint in your customer’s shopping journey. The right payment apps can transform this critical step from a potential hurdle into an opportunity to impress, retain, and delight your customers.

Whether you’re offering flexible options with apps like Downpay and Scala Parcalamento Installment, building trust with secure tools like Stripe and PayPal, or empowering customers with risk-free trials through Mirra, these apps are designed to meet the diverse needs of Shopify merchants. By simplifying payments, enhancing flexibility, and ensuring security, they help you focus on what truly matters—growing your business.

Invest in the right tools, and you’ll see the difference in smoother checkouts, higher conversions, and happier customers. Explore these payment apps today and take your Shopify store to the next level. With Spocket, you get more than a payment system—you gain a trustworthy partner for your Shopify dropshipping journey.