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Shopify merchants configure a native or third-party provider from Settings > Payments. WooCommerce merchants install a gateway plugin, then configure it under WooCommerce > Settings > Payments. The exact methods available depend on your country, business category, gateway approval and account configuration.
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What you need before adding a payment gateway
A payment method does not connect directly to Shopify or WooCommerce by itself. You need two components: a merchant account with a payment gateway and an integration for your platform. The gateway handles authorization, redirects or embedded checkout, payment notifications, settlement and refunds; the Shopify app or WooCommerce plugin passes order data between your store and that gateway.
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A verified merchant account
Open an account with the gateway you intend to use and complete its KYC or business verification process. Approval can depend on your registered country, business type, products, website content, settlement bank account and required documents. Do this before designing your checkout around a particular wallet or deferred-payment option.
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The payment methods your customers actually need
List the methods that matter to your audience rather than enabling every available option. In India, that may include UPI, Visa or Mastercard cards, RuPay cards, mobile wallets, netbanking, EMI or pay-later products. A gateway may advertise a method but still require separate activation or account approval. PhonePe, Google Pay and Paytm can appear through supported UPI or wallet rails when your selected provider and account are eligible; their logos alone do not guarantee that every customer will see them.
Credentials and access
Shopify app connections generally use an authenticated merchant-account connection. WooCommerce integrations commonly require API keys, or a merchant key and salt, copied from the provider dashboard. Store these credentials in the gateway settings, never in product descriptions, theme files or public support tickets. Give staff the least dashboard access they need for refunds and reconciliation.
Choose between native Shopify Payments and a third-party provider
In Shopify admin, open Settings > Payments and review Shopify Payments eligibility first. Shopify says activation requires a supported country, account information and verification; cards can be accepted after setup. Eligibility is not universal, so a store registered in one country may see different choices from a store registered elsewhere.
If the native setup does not provide the local methods you need, add a third-party provider from the payment settings area or Shopify App Store. Shopify documents that a third-party provider can process cards while Shopify Payments remains available for additional methods where supported. Check the checkout display and settlement reports carefully when two providers are enabled so that staff know which dashboard owns each transaction.
For an India-focused store that needs UPI and wallets, a provider app is usually the practical route. Razorpay documents a Shopify integration covering UPI, cards, wallets and netbanking. Cashfree lists UPI, cards, wallets, EMI and pay-later activation for its Shopify integration. Availability still depends on your approved account and the methods enabled in the provider dashboard.
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Shopify: step-by-step setup
1. Check eligibility and store readiness
- Sign in to Shopify admin and open Settings > Payments.
- Review the Shopify Payments eligibility notice for your store country and business details.
- Confirm that your legal business name, payout bank details, contact information, refund policy and checkout currency are accurate.
- If Shopify Payments is unavailable or does not cover your required local methods, identify a supported third-party provider before proceeding.
2. Install and connect a third-party gateway app
- From Shopify, locate the provider’s official payment app and install it on the correct store.
- Choose the option to connect an existing merchant account or create one, then complete the provider’s verification flow.
- Approve the requested Shopify permissions and return to the provider settings page.
- Select the payment methods that the provider has approved for your account, such as UPI, cards, wallets, netbanking, EMI or pay-later.
Do not assume that installing an app activates every method. Some providers show a method only after KYC, risk review, a signed agreement or a separate dashboard toggle.
3. Configure checkout behavior
- Set the display name customers should recognize at checkout, if the app provides that option.
- Confirm the store currency, capture behavior and whether the gateway should authorize immediately or capture when an order is placed.
- Review return, cancellation and refund URLs or settings supplied by the app.
- Save the configuration, then place a test order using the provider’s test mode or test credentials.
4. Verify order and refund synchronization
A successful payment page is not enough. Open the Shopify order and confirm that it moves to the expected paid or partially paid state. Check that a failed, cancelled or expired payment does not leave an order marked as paid. Initiate a test refund from the documented dashboard or Shopify flow and verify the amount, status and customer notification on both systems.
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5. Switch to live processing
- Complete all provider verification requests and make sure the live methods are approved.
- Replace test mode with the provider’s live connection or credentials.
- Save the settings and perform one low-value live transaction with a real customer payment method.
- Confirm the order, settlement record, refund path and customer receipt before directing advertising traffic to the checkout.
WooCommerce: step-by-step setup
1. Create the provider account and obtain credentials
Before touching WordPress, create the merchant account and obtain the credentials required by the selected integration. Razorpay lists account creation and API-key generation as prerequisites. PayU requires a merchant account and plugin credentials. Keep separate sandbox and production credentials; copying a live key into a test site can create real charges.
2. Install the gateway plugin
- In WordPress administration, open Plugins > Add New.
- Search for the provider’s official WooCommerce plugin, verify its publisher and compatibility, then install and activate it.
- Read the plugin’s changelog and minimum WooCommerce or WordPress requirements before enabling it on a busy store.
Razorpay documents installation through WordPress followed by configuration in WooCommerce payment settings. Other providers use a similar plugin model, but field names and callback settings can differ.
3. Enter credentials and enable the gateway
- Open WooCommerce > Settings > Payments (some versions label this tab Checkout or Payments).
- Select the installed gateway and click Manage or the equivalent configuration button.
- Enable the gateway, choose sandbox or production mode, and enter the API key, key ID, merchant key, salt or other credentials requested by the provider.
- Set the currency exactly as required by your merchant account and save the changes.
PayU’s WooCommerce guide specifically describes enabling PayUBiz, opening Manage, selecting sandbox or production, and entering currency and merchant credentials.
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4. Configure callbacks, webhooks and order status
Use the callback or webhook URL supplied by the plugin or provider documentation. Confirm that your firewall, maintenance mode, security plugin or hosting rules do not block gateway requests. The callback must be able to update an order after a customer closes the payment window, loses connectivity or returns through a different browser.
5. Move from sandbox to production
Keep the gateway in sandbox while you test successful, failed, cancelled and refunded transactions. PayU explicitly recommends sandbox validation before production. When the results are correct, replace sandbox credentials with live credentials, enable only the methods approved for the account, and run a low-value live transaction before launch.
How to enable UPI, cards and wallets
UPI
UPI may be presented as a QR code, intent flow, collect request or an in-checkout app selector, depending on the provider and device. Enable the UPI method in the provider dashboard or plugin settings, then check both mobile and desktop checkout. A customer who pays in a UPI app may return to the store before the asynchronous confirmation arrives, so the order should remain pending until the gateway callback verifies payment.
Cards
Enable the card method only after the gateway approves your business and currency. Check which networks and currencies are supported for your account; a generic “cards accepted” label does not establish support for every domestic or international card. Test an approved card flow, an authentication challenge when applicable, an intentional decline and a cancelled checkout.
Wallets
Wallet availability is provider-specific and can vary by customer region, device and account status. In the provider dashboard, activate the wallets you are approved to offer and remove methods that are not operational. Display wallet buttons only after confirming that the return URL and payment status callback work on mobile browsers.
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EMI, pay-later and netbanking
These are optional methods, not substitutes for UPI or cards. Cashfree lists EMI and pay-later alongside UPI, cards and wallets in its Shopify and WooCommerce materials. PayU’s product information lists cards, UPI, wallets and EMI. Approval, customer eligibility, settlement timing and refund rules can differ from standard card transactions, so document those rules for support staff.
Testing checklist before launch
Run these checks in sandbox or test mode, then repeat the essential path with one low-value live payment:
- Successful payment: the gateway reports success and the store records the correct order number, amount, tax, shipping and currency.
- Failed payment: the order is not marked paid, inventory is not incorrectly reduced, and the customer can retry without creating confusing duplicate orders.
- Cancellation and timeout: closing the gateway window or allowing a payment to expire leaves a recoverable pending or failed state.
- Delayed confirmation: a payment completed in a banking or UPI app updates the order when the callback arrives later.
- Duplicate notifications: repeated callbacks do not create duplicate orders, captures or emails.
- Partial and full refunds: the gateway and store show the same refunded amount and status.
- Mobile checkout: UPI intent, wallet hand-off and return-to-store behavior work in the major mobile browsers you support.
- Desktop checkout: QR and card flows remain usable without requiring a mobile app.
- Inventory and email: stock, confirmation emails and fulfilment triggers occur only at the intended payment state.
- Reconciliation: the provider transaction ID can be matched to the store order and later settlement report.
Provider and platform comparison
The table shows capabilities documented in the provider materials supplied for this guide. It is not a ranking: published pages do not provide a reliable, like-for-like comparison of fees or payment success rates.
| Provider | Shopify integration | WooCommerce integration | Methods documented | Setup details documented |
|---|---|---|---|---|
| Razorpay | Official Shopify app | Official WooCommerce plugin | UPI, cards, wallets and netbanking | Merchant account and API-key generation; install and configure the plugin |
| Cashfree | Shopify integration | WooCommerce integration | UPI, cards, wallets, EMI and pay-later | Method activation and account approval requirements vary |
| PayU | Not stated in the supplied provider material | WooCommerce plugin | Cards, UPI, wallets and EMI | Enable PayUBiz, choose sandbox or production, then enter currency and merchant credentials |
Compare gateways on the factors that affect your operation: platform support, approved payment-method coverage, onboarding and KYC effort, settlement and refund controls, international-payment availability, checkout design, callback reliability and documentation quality. No universal “best” gateway follows from method lists alone.
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Do not publish a single fee figure as if it applied to every merchant. The available provider setup pages do not supply a comparable cross-provider fee table or success-rate study. Your price can depend on business category, transaction type, domestic or international processing, negotiated plan, taxes and risk controls. Obtain the current commercial schedule directly during account onboarding.
Before launch, document when funds become available for payout, how failed or reversed payments appear, who can issue refunds and whether a refund returns to the original UPI, card or wallet instrument. Reconcile the gateway settlement report with WooCommerce or Shopify orders at least as often as your fulfilment process requires.
Common problems and fixes
The gateway does not appear in checkout
Confirm that the plugin or Shopify app is active, the gateway is enabled, the checkout currency is supported and the account has passed verification. A method hidden by the provider dashboard will not be restored by changing theme code.
UPI or wallet options are missing
Check the provider’s method-activation page, not only the store settings. The account may be approved for cards but pending approval for wallets, EMI or pay-later. Also check country, currency, device and minimum or maximum transaction rules.
The customer paid but the order remains pending
Inspect the provider transaction log and callback or webhook delivery history. Verify the callback URL, signing secret, firewall rules and site URL. Do not manually mark every order paid without matching a verified provider transaction ID.
Orders are marked paid after a failed attempt
Review whether the plugin is using a browser return URL as proof of payment instead of the server-side callback. Update the plugin, correct the callback configuration and test a deliberate decline. Keep fulfilment tied to the verified paid state.
Refund status differs between systems
Check whether the refund was initiated in Shopify, WooCommerce or the provider dashboard and whether that channel supports the transaction type. Match the gateway refund ID to the store order, then allow for the provider’s stated processing time before escalating to support.
Live credentials produce errors
Ensure production mode is selected, live keys belong to the same merchant account as the approved website, and no sandbox key remains in an environment variable or cached configuration. Clear application caches only after recording the current settings and testing again.
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- Use HTTPS across checkout, account and return URLs, and keep WordPress, WooCommerce, Shopify apps and gateway plugins updated.
- Restrict dashboard permissions; staff who only issue refunds do not need access to API credentials.
- Never store full card numbers or security codes in Shopify, WooCommerce, spreadsheets or support chats. Use the gateway’s hosted or tokenized flow.
- Rotate keys when staff leave, a credential is exposed or the provider recommends rotation. Test the replacement in sandbox before production.
- Monitor failed callbacks, unusual refund volumes, duplicate orders and settlement mismatches.
- Publish clear refund, cancellation and delivery policies so payment reviews and customer support have consistent information.
Do not confuse Shopify billing methods with customer checkout
Shopify’s India billing pages describe ways to pay Shopify’s own subscription invoices, including UPI and certain cards, and recurring mandates through a payment provider. Those billing options do not activate UPI, cards or wallets for your customers at storefront checkout. Customer payments still require Shopify Payments eligibility or a supported third-party gateway integration configured in Settings > Payments.
Quick Recap
Launch decision checklist
- Choose Shopify Payments or a third-party provider based on country eligibility and required methods.
- Complete merchant KYC and confirm the business, bank account, currency and website details.
- Install the official Shopify app or WooCommerce plugin.
- Enable only the UPI, card, wallet and optional methods approved for the account.
- Configure callbacks, webhooks, return URLs and refund permissions.
- Run success, failure, cancellation, delayed-confirmation and refund tests.
- Switch to live credentials and complete one low-value live payment.
- Match the live order to the provider transaction and settlement records before scaling traffic.
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
