Accepting credit cards without merchant acc

New Member
1 0 0

Hello everyone

I am new here and I have just created my first Shopify store and I want to accept credit cards. Problem is I do not have merchant acc at the moment, and do not have registared business. 

So I set up PayPal Express Checkout. That is the only option I have, but the problem is I do not see credit cards accepted here, just a button on my website that says: Buy with PayPal. And if you press that button then it directs you to PayPal but no place to pay with credit card just with PayPal.

Is there any way I can accept credit cards in my store without merchant acc?


Thank you


Shopify Staff
Shopify Staff
1384 134 373

Hey there, @croatian6 


Bo here from Shopify Support!


That is a really great question. With PayPal Express there is no way to accept credit cards if it is not supported in your country. This is a limitation on the PayPal side of things and so there is nothing Shopify can do from our end to change this. This is something that may be possible to do within your PayPal settings. Check out this page in our Shopify Manual for the steps on how to do that. If you have any issues with turning that setting on, you can reach out to PayPal directly for help! 


Additionally, you can also accept credit card payment by adding another payment provider to your store. That way people can choose to either pay through PayPal or through another payment gateway that accepts credit card payments like 2Checkout or Shopify Payments. Check out this page for a list of payment providers available in your area, and this page in our Shopify Manual will walk you through how to integrate them into your store! 


All the Best,


Bo - Social Care @ Shopify

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