Can I start a business with a debit card instead of a credit card?

1 0 1

Hi, Im 16 years old and I want to start my business now in order to gain experience as a entrepreneur so that it’ll be easier to make money once I’m 18. I also work part time at a restaurant right now. It says that you’ll need a credit card to start a business in Shopify but will a debit card work? 

Replies 3 (3)

316 10 38

Technically, Noooooo!

You will need at least a debit card to pay for the monthly fee on Shopify and most dropshipping suppliers require a debit/credit on file to process your orders.


Online Sneaker Store - Soleseriouss
Shopify Partner
5581 642 1572


Welcome to Shopify Community.

Check out in the list which type of debit card you have.

It sets up your store to accept payment through all the popular payment methods. These include credit cards, debit cards, gift cards, Apple Pay, Amazon Pay, even cryptocurrency.

US businesses can accept these credit and debit cards through Shopify Payments:

  • Visa
  • American Express
  • MasterCard
  • Discover
  • Diners Club
  • Elo
  • JCB

Shopify Expert
1015 44 272

I've run a seven-figure agency just fine using a debit card. Never had an issue. I believe they are interchangeable. As long as it's Visa or Mastercard, you won't have a problem. If you do well and grow your store(s) as you push spend through your card, swap to a credit card as you can rake up a good amount of points.

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