For Shopify store owners, payout timing and fees can make or break cash flow. While Shopify Payments and traditional gateways offer convenience, they often come with delays and processing costs. In this article, we explore how Shopify payouts work, what delays you can expect, and how integrating Pay by Bank with instant settlement can improve your financial operations.
How Shopify Payouts Work
When a customer checks out using Shopify Payments, funds are first processed through the selected payment gateway (e.g. credit card, PayPal, or Apple Pay). Shopify then holds the funds for a standard payout delay of 3 to 5 business days, depending on your country and payment method.
Even though orders may be completed instantly, your access to funds is not. Payouts are batched and processed in cycles — a delay that can create friction in your operations, especially if you rely on fast-moving inventory or need working capital.
Key issues include:
Delays of up to 5 days for standard payouts
Weekend or holiday slowdowns
Processing fees that reduce your net revenue
The Pay by Bank Payout Advantage
With Pay by Bank, also known as account-to-account (A2A) payments, your customers complete checkout directly from their banking app — no cards, no intermediaries. This real-time payment flow is made possible by Open Bankingtechnology, particularly popular in the UK and EU.
Benefits of Pay by Bank for Shopify Merchants:
Instant settlement – receive funds in seconds, not days
When combined with Wallid’s Shopify app, Pay by Bank can become your default express checkout method, helping you reduce costs while accelerating cash flow.
Especially in competitive verticals like fashion, electronics, or beauty, instant payout flexibility gives you an edge over merchants waiting 3–5 days for card settlements.
Conclusion
Shopify’s default payout system works, but it’s slow and expensive compared to modern alternatives. By offering Pay by Bank with real-time settlement, you reduce your costs, boost customer experience, and improve your cash flow — all while offering a trusted and secure payment option.
A: Shopify Payments usually takes 3 to 5 business days to transfer funds after an order is placed. Delays may be longer during weekends or holidays.
Q2: What is Pay by Bank and how does it help Shopify stores?
A: Pay by Bank is a real-time payment method using Open Banking. It allows customers to pay directly from their banking app, enabling instant settlements, lower fees, and no chargebacks.
Q3: Why does instant payout matter for e-commerce businesses?
A: Faster payouts improve cash flow, allowing merchants to restock faster, reinvest in ads sooner, and build customer trust with immediate payment confirmations.