Being an Indian merchant & have spoken to various shopify merchants, we all have 2 major asks in payments which shopify isn't addressing:
1. Prepaid discount.
2. COD Fee.
Both of these features are a must have, I have a couple of other stores on woocommerce where I am able to achieve both of these with ease but with shopify unless you have shopify plus you can't do this which is a big let down and probably why a lot of the people are sticking to woocommerce as otherwise I would have shifted all of my stores to shopify as it is indeed better in every other way except for when it comes to payments.