Accept Credit Card Payments on Shopify (2026)

How to accept credit card payments on Shopify without Shopify Payments or Stripe (2026)

Updated October 21, 2026 · 3 min read · By the Chekvo team

Payment methods in Chekvo: cards, Apple Pay, Google Pay and cash on delivery through Whop

Short answer

To accept credit card payments on Shopify without Shopify Payments or Stripe, connect a Whop account to your store with Chekvo. Shoppers pay by card, Apple Pay or Google Pay on a branded one-page checkout, the money goes to your own Whop account (2.7% + 30¢ on domestic cards), and each order is created in Shopify. You can start with a personal Whop account and take your first card payment about 15 minutes after it's ready.

Key takeaways

Shopify Payments works in 41 countries and Stripe offers self-serve accounts in about 44; outside them, or after a closure, you need another card processor.
Whop takes cards, Apple Pay and Google Pay and pays out in more than 200 countries.
Chekvo connects Whop to Shopify: branded checkout, same products, shipping, taxes and discounts, orders created in Shopify.
Cash on delivery sits on the same checkout for markets where shoppers prefer it.

Why stores choose Chekvo

Cards, Apple Pay and Google Pay on one branded page, on your own domain.
No merchant account application: a self-serve Whop account, even a personal one.
Live in about 15 minutes, with orders created in Shopify.
Flat plans from $99 a month with 500 orders included.

Build my checkout freeNo card · live in about 15 minutes

Your options for card payments on Shopify

Option	Who can use it	Setup
Shopify Payments	Stores in its 41 supported countries, if approved	Built in
A local third-party gateway	Depends on your country and on Shopify's provider list	Application with the provider
A classic merchant account	Businesses that pass underwriting	Usually weeks
Whop + Chekvo	Sellers Whop accepts, payouts in 200+ countries	About 15 minutes

If Shopify Payments works for you and keeps paying out, it's the simplest choice. When it isn't available, gets suspended or holds your payouts, Whop through Chekvo is the fastest way to take cards again.

Chekvo checkout on desktop with express wallets and card fields — What your customers see when they pay.

How it works

Your customer clicks Checkout in your Shopify store and lands on your branded Chekvo checkout.
They pay with Apple Pay, Google Pay or a card, or choose cash on delivery if you offer it.
Whop processes the payment and the money goes to your Whop account.
The order is created in Shopify at once, so fulfilment, inventory and emails work as usual.

Set it up

Open a Whop account with your details, a bank account and your ID.
Connect your Shopify store to Chekvo and paste your Whop API key.
Check your checkout for free: logo, colours, languages, shipping and discount codes come from your store.
Go live and place a test order.

What it costs

Whop: 2.7% + 30¢ per domestic card payment, plus 1.5% for international cards and 1% for currency conversion.
Chekvo: from $99 a month with 500 orders included, then a flat fee per extra order, with no cut of your normal orders.

Run your own numbers with the free Whop fee calculator and Shopify fee calculator.

Build your checkout free.

Frequently asked questions

Can I use Shopify without Shopify Payments?

Yes. Shopify supports third-party providers and manual methods such as cash on delivery. Chekvo adds a branded checkout that takes cards, Apple Pay and Google Pay through your own Whop account.

How do I accept credit card payments online without Stripe?

Open a Whop account and connect it to your Shopify store with Chekvo. Whop processes the cards and pays out to you in more than 200 countries.

How much does online credit card processing cost with Whop?

2.7% + 30¢ on domestic cards, plus 1.5% for international cards and 1% when the currency is converted. Chekvo's plans start at $99 a month with 500 orders included.

Do my orders still appear in Shopify?

Yes. Every paid order is created in Shopify the moment the customer pays.

Notice

This article is general information, not financial, legal or tax advice. Payment providers such as Whop and Shopify decide on their own who they accept, their fees, limits, reserves and payout times; nothing here promises approval or a result. Figures are examples and estimates as of October 21, 2026 and can change; check each provider's current pricing and terms before you decide. Whop and Shopify are trademarks of their owners; Chekvo is an independent product. Use of Chekvo is governed by our Terms of service.

Spotted something wrong or out of date? Email legal@chekvo.com and we'll check and correct it.

Sell with Whop on Shopify, with a checkout that converts.

Branded one-page checkout, cash on delivery, cart recovery and one-click upsells, paid into your own Whop account. Build and preview it for free.

Build my checkout free

✓ Free to build and preview, no card
✓ Keep your Whop account and Shopify store
✓ Falls back to Shopify's checkout if anything fails