Compare Payment Gateway Options

Help me evaluate and compare payment gateway options for my Shopify store:

Store Details:

  Shopify plan: [BASIC / SHOPIFY / ADVANCED / PLUS]
  Monthly transaction volume: [NUMBER OF TRANSACTIONS]
  Monthly revenue processed: [DOLLAR AMOUNT]
  Average order value: [AOV]
  Primary selling countries: [LIST COUNTRIES]
  Currencies needed: [LIST CURRENCIES]
  Current payment gateway: [CURRENT GATEWAY OR NONE]


Gateways to Compare:

  Shopify Payments (Stripe-powered)
  PayPal (Standard, Express, Braintree)
  Stripe (direct)
  Square
  Authorize.net
  [ANY OTHER GATEWAY YOU WANT EVALUATED]


Comparison Criteria:

  Transaction fee percentage and per-transaction flat fee
  Monthly or annual subscription costs
  Additional Shopify transaction fee (charged when not using Shopify Payments)
  Currency conversion fees and multi-currency support
  Chargeback and dispute fees
  Payout speed and schedule
  Fraud protection and risk management tools
  Supported payment methods (credit cards, digital wallets, local methods)
  PCI compliance handling
  Integration complexity with Shopify


Fee Calculation:
Based on my monthly volume of [TRANSACTION VOLUME] and AOV of [AOV]:

  Calculate total monthly fees for each gateway
  Calculate effective fee rate (total fees / total revenue)
  Annual cost comparison across all gateways
  Break-even analysis: at what volume does switching save money?


Customer Experience Factors:

  Checkout flow (embedded vs redirect)
  Mobile payment support (Apple Pay, Google Pay, Shop Pay)
  Buy now pay later options (Afterpay, Klarna, Affirm)
  Express checkout speed
  Customer trust and recognition


Recommendation:

  Best gateway for my specific situation
  Migration plan if switching from [CURRENT GATEWAY]
  Risk factors and potential issues to watch for


Present the comparison in a clear table with a final recommendation and rationale.