Switching · from Shopify Payments
Need a Shopify Payments alternative? Here’s what changes, in plain numbers.
A Shopify Payments alternative doesn’t mean leaving Shopify at all. You can keep the store you built and run an outside gateway for the card side — which matters if you sell firearms or ammo, since Shopify Payments prohibits them. The one thing to weigh is Shopify’s third-party transaction fee. Here’s the policy, the math and what changes.
No cost to review. You get the dollar difference in writing — or we tell you if switching wouldn’t help.
Why people leave Shopify Payments
- Firearms and ammo prohibited
- You can keep Shopify, swap the gateway
- Interchange-plus instead of a flat rate
- Next-day funding, a person to call
Underwritten properly once · Next-day funding · Talk to a real person: [direct line]
A Shopify Payments alternative, same store
Keep your Shopify theme, products and admin; only the card route changes to an outside gateway.
Interchange-plus pricing
Itemized processing cost — we show it next to Shopify’s third-party fee so the trade is honest.
Next-day funding
Eligible batches deposit the next business day, with a person to call if a review ever hits.
What Shopify Payments’ policy says
Firearms and ammo: prohibited — but you can keep Shopify.
Shopify Payments’ eligibility rules list “firearms, holsters, ammunition, or weapons” among prohibited products. That’s about Shopify Payments, not the Shopify platform: you can still run your Shopify store and connect an outside payment gateway for the card side. Shopify charges a third-party transaction fee when you do — so the setup is possible, you just weigh that fee against what you save. We underwrite firearms properly, once. See firearms payment processing →
As of October 2026 — [verify]. Source: Shopify Payments eligibility · Third-party payment providers.
Fee math
The third-party transaction fee, at three volumes.
A Shopify Payments alternative really turns on one number. When you use an outside gateway, Shopify adds a third-party transaction fee on top of your processing cost. The rate depends on your Shopify plan — it falls on higher plans. The figures below are an industry estimate using a representative rate against monthly volume, not a Moneybox quote; your actual plan rate and processing cost come from your statement.
| Monthly card volume | Shopify 3rd-party fee (est. at ~2%) | Moneybox processing |
|---|---|---|
| $10,000 | ~$200 / mo | Send your statement |
| $25,000 | ~$500 / mo | Send your statement |
| $50,000 | ~$1,000 / mo | Send your statement |
So the honest question is whether your interchange-plus savings on processing outweigh the third-party fee. That is the real test of a Shopify Payments alternative. Sometimes they do, sometimes they don’t — and for firearms or ammo it’s the only compliant way to stay on Shopify at all. For why interchange-plus often beats a flat rate as you grow, see flat rate versus interchange-plus. Send your statement and we’ll show both numbers side by side.
What changes when you switch
- Your card payments route through an outside gateway on your own merchant account
- Shopify applies its third-party transaction fee — we’ll show it next to your savings
- Processing moves to interchange-plus, itemized every month
- Funding becomes next-day on eligible batches
- Support becomes a person: when a review or a hold hits, you call our team
What stays the same
- Your Shopify store, theme, products and customers
- Your Shopify admin and apps
- The cards your buyers already use
Backup option: you can connect a Moneybox gateway on Shopify as a secondary route alongside your current one, where Shopify’s terms allow it [verify].
Shopify Payments alternative questions
Do I have to leave Shopify to sell firearms?
No. Shopify Payments prohibits firearms and ammo, but the Shopify platform doesn’t — you keep your store and connect an outside gateway for the card side. Shopify charges a third-party transaction fee when you do. We underwrite firearms properly, once. See firearms payment processing →
What is the third-party transaction fee?
It’s a fee Shopify adds on top of your processing cost when you use a gateway other than Shopify Payments. The rate depends on your plan and is lower on higher plans: [verify your plan rate]. We show it next to your processing savings so the comparison is honest.
Will my store or theme change?
No. Your Shopify store, theme, products, customers, admin and apps stay as they are. Only the card payment route changes — it runs through your own merchant account via an outside gateway.
Is it ever not worth switching?
Sometimes the third-party fee outweighs the processing savings, and we’ll tell you when that’s the case. For firearms or ammo, though, an outside gateway is the only compliant way to keep selling on Shopify at all. That is when a Shopify Payments alternative is not optional but necessary. Send your statement and we’ll show both numbers.
See both numbers side by side.
Send last month’s Shopify statement. We reply with your current cost, your Moneybox cost including the third-party fee, and the difference in dollars. If switching wouldn’t help, we’ll tell you that too.
Prefer to talk? [call or text our team — number]