Accept Shopify payments without a bank account (temporarily)

[robck]

Hi

I have enabled Shopify Payments for my site but have not yet completed the setup. I'm hoping to accept payments now and complete setup later. Is this possible? Right now I can't see shopify payments/credit card at checkout. I only see paypal.  

See screenshots below 

Thanks 

[Don]

Hi there @robck!

Don here from Shopify.

In order to accept payments via Shopify Payments, you would need to fully set up this gateway including adding your banking info.

It would not be possible to process payments until this info is added and the gateway has been set up, as outlined here on our guide to setting up Shopify Payments.

In the meantime, you should be able to continue with taking payments via PayPal, though you may need to finish setting up that gateway if you haven't already.

Have you sold online or created a store using Shopify before at all?

Do you know what you need to work on for your business next?

I look forward to hearing from you again.

Regards,

Don

[robck]

I see messages like this:

And on the link you sent it say I'm automatically setup to accept payments from major credit cards:

So is this message incorrect? i.e I can't accept payments before I add banking info?

Thanks

[Don]

Hi again @robck!

Don from Shopify once again.

Could you share a link to your store with me here so I can confirm what you stated earlier about not being able to see a Shopify Payments option at checkout without having set it up fully first?

If you're not sure that you've set this up fully, you can place a test order as laid out here on our help site.

I look forward to hearing from you.

Regards,

Don

[robck]

Hi Don 

Please see here theplaytimestore.com 

When I enable test mode, I can checkout with shopify payments with the the card number 4242424242424242 successfully. When I disable test mode, the option to enter a credit card at checkout is not there.

Thanks for your help 

[Don · Accepted solution]

Hi again @robck!

Don from Shopify once again.

Thanks for that info and for that link to your store, I love it!

That would confirm that, apart from using test mode, you would have to add your bank account info to Shopify Payments before you'll be able to process real money payments from your customers there.

You would still be able to use any other payment methods you have enabled, and you can look at if manual payment methods or alternative payment methods would be something you're interested in at any point.

I like your About Us page, are you thinking about adding blogs to your store to tell more of your story, or do you use social media to promote your business?

All the best!

Regards,

Don

[Adam777]

Hello Don 🙂
Can I use my WiseBusinessAccount as a bank account with Shopify (insted of a physical bank account)?  I mean Shopify using the Stripe payment gateway right? And I can link Stripe and Wise together. Is that work with Shopify or it's a must to have a physical bank's account? Best, Adam

[Don]

Hi there @Adam777!

You can check out more info on the types of bank account supported for use with Shopify Payments here. 

Money-transferring services that mimic bank accounts aren't supported by Shopify Payments.

Although virtual bank accounts are supported, you might experience more payout failures with these accounts so it is definitely advisable to use a physical bank account.

Take a look for the country your store is based in on the document shared above to learn more about the specific bank account requirements where you are. 

[Adam777]

The reason I don't understand your answer is because Shopify Payments is based on the Stripe payment gateway. Right? So payments with Shopify goes directly to Stripe. And after the payment went to Stripe.... if I link Stripe to Wise then no payment fails should happen. So I don't understand what's the problem with that? Since as I know Shopify Payments are based on Stripe.