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What is the best payment service provider on the Shopify platform in the LT and EU markets?
Navigating the complex list of payment providers can be a daunting task for any Shopify store owner. With so many options available, understanding the ins and outs of each service is essential to optimizing your e-commerce business. In this guide, we’ll dive into a comparison of popular payment providers like Shopify Payments, OPAY, Klix, MakeCommerce, Paysera, and Stripe, specifically tailored for the Lithuanian and wider European markets. Our analysis will help you make an informed decision, taking into account fees, reliability, and ease of integration.
Comparison of payment service providers' rates in Lithuania
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Shopify Payments
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : ~1.5-2.9% + ~0.25 EUR per txn
Return fee : ~15 € per dispute
Additional fees : ~1.5-2.0% of currency conversion
OPAY
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise specified) : 1.3% (min 0.10 EUR) per txn; Bank references (LT): 2%.
Return fee : ~€15–€25
Additional fees : 2.0% currency conversion
Klix (Citadel)
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards: 1.3% per txn; Bank (Baltic PIS): 1.3%
Return fee : €14.23
Additional fees : No currency conversion fee
MakeCommerce
Setup fee : €0
Monthly fee : €0 (€10/month if you don't use their delivery add-on)
Transaction fees (for cards, unless otherwise specified) : Cards and BNPL: 2.5% + €0.30
Return fee : €30
Additional fees : Fees are subject to +21% VAT
Paysera
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards: 1.45% + €0.15 (EU cards) / 2.90% + €0.15 (non-EU)
Return fee : €30
Additional fees : 0.45% Shopify integration fee
Stripe
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards: 1.4% + 0.25 EUR (EU cards) / 2.9% + 0.25 EUR (non-EU cards)
Return fee : €20
Additional fees : 2% currency conversion
Comparison of payment service providers' fees in Europe
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Shopify Payments
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : EU cards: ~1.4%-2.9% + €0.25
Return fee : ~15€-20€ per dispute
Additional fees : ~1.5-2.0% of currency conversion
OPAY
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards (EEA): ~1.3% + €0.10
Return fee : ~€15–€25
Additional fees : 2.0% currency conversion
Klix (Citadel)
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards (EEA): ~1.3%; Bank (Baltic countries): ~1.3%
Return fee : €14.23
Additional fees : No currency conversion fee
MakeCommerce
Setup fee : €0
Monthly fee : €0 (€10/month if you don't use their delivery add-on)
Transaction fees (for cards, unless otherwise stated) : Cards: 2.5% + €0.30
Return fee : €30
Additional fees : Fees are subject to +21% VAT
Paysera
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards: 1.45% + €0.15 (EU cards)
Return fee : €30
Additional fees : -
Stripe
Setup fee : €0
Monthly fee : €0
Transaction fees (for cards, unless otherwise stated) : Cards: 1.4% + 0.25 EUR (EU cards)
Return fee : €20
Additional fees : 2% currency conversion
Key insights for Lithuanian Shopify store owners
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Local preferences
It is very important to understand local payment preferences. For example, OPAY offers great integration for popular bank payments in Lithuania.
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Shopify Payments and OPAY as an Ideal Choice
For a Shopify store operating in Lithuania, combining Shopify Payments with OPAY for bank transfers would provide comprehensive coverage at competitive fees.
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Tax efficiency
Preferring providers like Shopify Payments can help reduce the additional transaction fees that Shopify charges for using third-party gateways.
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