Amazon Pay brings a familiar name to checkout — but is it really the best option for cost and speed? See how it compares to Wallid’s Pay by Bank with zero chargebacks and lower fees.
If you’re choosing between Amazon Pay and Pay by Bank for your Shopify store, this guide compares the real costs, payment processing fees, settlement times, fraud risks, and overall UX. Whether you’re trying to reduce Shopify transaction fees or simply find the most cost-effective payment method, let’s break it down.
What You Should Know
Amazon Pay
Included in Shopify Payments, but adds card fees (1.5–2.0% + 25p per order)
Pay-by-Bank (Wallid)
Charges a flat 0.7% + 25p with no chargebacks and instant payouts
I wasn’t sure what to expect, but WallidPay has been rock solid from day one. Real-time payments, no hidden fees, and a clean dashboard. I’m impressed with how polished everything is.
Most of my customers are UK-based, and WallidPay supports all major banks. It’s made the checkout process faster and improved my conversion rate. Plus, I’m paying way less in fees compared to Stripe.
WallidPay’s direct-from-bank payments feel way more secure than entering card info online. No more worrying about fraud or chargebacks. It's the future of online payments, especially in the UK.
I had a few questions while integrating WallidPay, and their live chat support guided me through everything. Very professional and friendly. The platform is reliable, and I’ve had zero payment issues so far.
I used WallidPay as a customer for the first time last week — no card details needed, just my banking app. It felt safe and took less than 10 seconds. I hope more shops start using it.
I set up WallidPay with my store in under an hour. It syncs perfectly with Shopify, and payments hit my account immediately. Their support team is responsive and super helpful. Couldn’t ask for more.
WallidPay has saved my business a ton on processing fees. Direct bank payments are quick and secure, and my customers love not needing to enter card info. Highly recommended for small business owners looking to cut costs without compromising on quality.
WallidPay gives both us and our customers real peace of mind. Transactions feel safer, and we know every order has been verified properly. It’s one of those tools that works silently but plays a critical role in daily operations. Highly recommended to anyone serious about eCommerce.
We needed something lightweight but effective for verification, and WallidPay delivered. It’s well-built, intuitive, and doesn’t bloat our checkout. It’s nice to finally find a security tool that isn’t overcomplicated. Great job to the developers.
We added WallidPay and noticed a change in buyer behavior almost immediately. Customers were more likely to complete orders, and fraud issues dropped. It's clear that the presence of smart verification reassures people. One of the best plugins we’ve used.
WallidPay is one of those apps that you don’t realize you need until you try it. It protects our store, gives customers peace of mind, and doesn’t interrupt the buying experience. It checks all the boxes—and then some.
Before WallidPay, our checkout felt incomplete. This app made a huge difference by adding structure and verification. It just feels more legitimate and polished now. And because it's automated, I don’t have to babysit orders anymore.
Considering how important customer trust is, WallidPay is an absolute bargain. It brings enterprise-level verification and security to small stores like mine. I was nervous about setting it up, but it turned out to be super simple. The value it provides is huge.
The addition of WallidPay instantly made our store feel more professional. The clean design and seamless integration make it look like a native feature rather than a third-party app. Our checkout page feels more secure and modern now. It’s a small touch, but it makes a big difference when you’re trying to build customer trust.
WallidPay was set up in under 10 minutes and has been running perfectly ever since. I really appreciate how easy it was to get started—no tutorials, no long documents, just straight to the point. It's helped build trust with our customers, and we’ve seen fewer chargebacks since. It’s clear that this app was made by people who understand the needs of eCommerce stores.
FAQ Amazon Pay vs Pay-by-Bank on Shopify
Yes. Amazon Pay runs on card rails, so you still pay standard Shopify card fees (1.5–2.0% + 25p).
Yes. Pay-by-Bank charges a flat 0.7% + 25p per order, compared to Amazon Pay's higher card-based rates.
Pay-by-Bank provides instant or same-day settlement. Amazon Pay typically takes 3–5 business days.
Yes. Both can be enabled together to give customers more flexibility at checkout.
Yes. Because Pay-by-Bank uses authenticated bank transfers, there are no chargebacks or fraud disputes.
It uses open banking APIs and biometric verification—safer than traditional card-based payments.
Yes. Amazon Pay is a wallet supported within Shopify Payments, but card processing fees still apply.
No. Pay-by-Bank works with any Shopify plan and can be added as a complementary payment method.
Yes. It supports mobile authentication via banking apps, Face ID, and fingerprint login.
Pay-by-Bank is often better for high-volume stores due to lower fees and faster cash flow.
Yes. Amazon Pay runs on card rails, so you still pay standard Shopify card fees (1.5–2.0% + 25p).
It uses bank-level authentication and open banking APIs, with no card data or chargebacks.
Yes. You can enable both at checkout for flexible payment options.
Pay-by-Bank pays out instantly or same-day. Amazon Pay takes 3–5 business days.
Yes. Pay-by-Bank has lower fees and no chargeback risk.
Yes. It uses biometric approval and banking apps, optimized for mobile and desktop.
Wallid’s Pay-by-Bank app integrates directly with Shopify checkout, enabling instant bank payments, significantly lower transaction fees, and zero chargebacks.
Wallid’s Pay-by-Bank Express Checkout delivers a fast, frictionless experience by connecting directly to customers’ bank accounts — increasing conversion rates while lowering fees