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

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

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

  • Pasirinkti tinkama mokėjimo priėmimo tiekėja savo elektroninėje parduotuvėje

    Local preferences

    It is very important to understand local payment preferences. For example, OPAY offers great integration for popular bank payments in Lithuania.

  • Rinktis geresni mokėjimo tiekėja savo šalyje

    Shopify Payments and OPAY as an Ideal Choice

    For a Shopify store operating in Lithuania, combining Shopify Payments with OPAY bank transfers would provide comprehensive coverage at competitive fees.

  • apskaičiuoti ir pasirinkti tinkama savo mokėjimu priemimo tiekėja

    Tax efficiency

    Preferring providers like Shopify Payments can help reduce the additional transaction fees that Shopify charges for using third-party gateways.