I have Authorize.net set up and am currently paying for it but Shopify will
not allow me to use any third party merchant services until I pay the
Capital off.
Topic summary
Main issue: A merchant accepted funding from Shopify Capital after an initial account audit cleared their store and allowed Shopify Payments. Five days later Shopify disabled Shopify Payments; although told they could use a third‑party gateway, they say Shopify Capital terms block enabling any third‑party processors until the Capital is repaid, leaving only PayPal and causing lost sales.
Details and claims: The merchant calls this a scam and says it should be illegal. They estimate needing $30k in sales before the Capital is fully paid back.
Suggestions and attempts: Another participant suggested using Authorize.net. The merchant reports they already have Authorize.net but cannot activate it due to the Capital restriction; a different participant suggested taking another loan to pay off the Capital to re‑enable multiple gateways.
Current status: The merchant remains limited to PayPal only. Another user reported the same experience and asked how it was resolved; no resolution or official guidance is provided in the thread, so the issue remains open.