Alternative Approaches When Shopify Payments Bans Your Niche
Merchants operating in disallowed categories can maintain their Shopify stores while also processing payments outside of Shopify. Highly favored are external checkout solutions, including Bolt and Skipify, where customers are taken to a compliant payment page and then returned to Shopify to confirm the order. Another method is using a WooCommerce subdomain strictly for checkout while keeping product pages on Shopify. Some vendors circumvent normal banking restrictions with cryptocurrency gateways like BitPay. As for subscriptions, it generally works well to delegate billing to a compliant platform and app like Chargebee or Recurly and leave catalog management to Shopify.
Mitigating Risks of Payment Workarounds
The two main distinctions for specialized processors as opposed to Shopify Payments are the use of industry-specific underwriting policies, a more risk-friendly approach, and tailored fraud controls. For example, PaymentCloud is a specialized service for Shopify that actively monitors chargebacks more closely to reject fraudulent ones, enforces 3DS2, and allows multi-acquirer routing to better payment approval rates. While these offshore gateways help circumvent US/EU banking restrictions, they tend to require quite a few technical hacks, one being redirecting the checkout. Third-party processors may be able to guarantee faster payout times (some offering same-day settlements) with lesser reserves for merchants that do get settled. The trade-off involves higher fees (2.9% + $0.30 versus Shopify’s flat 2.4%) and a lengthy setup involving API configuration.
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