Google Pay works seamlessly with Shopify Payments. But how does it compare to Wallid’s Pay by Bank — with lower fees, real-time payouts, and zero chargebacks?
Want to lower your Shopify transaction costs? This guide compares Google Pay and Wallid’s Pay-by-Bank to show which one gives you faster payouts, lower fees, and better fraud protection, based on your Shopify plan.
What You Should Know
Pay-by-Bank (Wallid)
0.7% + 25p per order, zero chargebacks, instant payouts.
Google Pay
1.5%–2.0% + 25p per order (based on Shopify plan), 3–5 day payouts.
Both
Both work inside Shopify, but Pay-by-Bank avoids card networks, cutting fees.
Google Pay: Fast & Familiar on Android
Built into Shopify Payments at no extra cost
Quick checkout for Android & Chrome users
No additional fee for merchants
Still runs on card networks (Visa/Mastercard)
Biometric + device-level security via Google Wallet
Google Pay Shopify Fee Table
How much does Google Pay cost on each Shopify plan?
Shopify Plan; Google Pay Fee (via Shopify Payments); Extra Fee for Google Pay?
Pay-by-Bank (Wallid): Instant or same-day to your business account
Chargebacks & Fraud Risk
Google Pay: Still operates via cards → chargebacks apply
Pay-by-Bank (Wallid): No chargebacks, ever. Verified directly via bank app
Security & Identity
PayPal: Redirects to external login flow
Pay-by-Bank (Wallid): Seamless, embedded checkout experience inside Shopify with no login step
Conclusion
Pay-by-Bank
Use Pay-by-Bank to cut your Shopify payment fees, get instant access to funds, and eliminate chargebacks.
Google Pay
Use Google Pay to give Android users a smooth checkout with no extra fee.
Together, they help you streamline your checkout, improve conversion, and grow your margin. Remember, depending on your integration and plan Shopify may apply third party payment fees.
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 Google Pay vs Pay- by-Bank on Shopify
Yes. Pay-by-Bank charges a flat 0.7% + 25p per order with no chargebacks, which is lower than Google Pay’s 1.5%–2.0% + 25p per order (based on your Shopify plan).
No. Google Pay doesn’t add extra fees if used through Shopify Payments, but standard Shopify fees still apply depending on your plan.
Pay-by-Bank offers instant or same-day payouts directly to your business account. Google Pay typically takes 3–5 business days to settle via Shopify Payments.
Yes. You can enable both payment methods to give your customers flexible checkout options. They’ll appear automatically if supported by the user’s device or browser.
Yes. It uses open banking APIs and biometric bank authentication, which are more secure than traditional card-based payments. There’s no need to store or process card data.
Chargebacks are forced payment reversals by banks due to fraud or disputes. Pay-by-Bank uses authenticated bank transfers, so there are no chargebacks — reducing your risk and admin overhead.
No. Pay-by-Bank works directly within your store’s checkout using the customer’s mobile or desktop banking interface — no app required.
Yes. You can integrate Pay-by-Bank on any Shopify plan, and it works alongside Shopify Payments and other gateways.
Lower transaction fees, instant payouts, and zero chargebacks. It’s ideal for merchants looking to cut payment costs and speed up cash flow.
Yes. It supports mobile browsers and responsive checkout flows, using built-in bank authentication tools (e.g., Face ID, fingerprint, banking app approval).
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