Now live: Krepling Pay now supports subscriptions. Learn more
Krepling Pay vs Shop Pay checkout comparison
Krepling Pay vs. Shop Pay

Your checkout. Your stack. Your customers.

Shop Pay is built to keep you on Shopify. Krepling Pay is built to set you free. One-click checkout, faster conversion, and full ownership, without renting your business from someone else's platform.

2.5% + 30¢ Transparent interchange-plus, never a blended rate
T+1 Next-business-day settlement, no week-long holds
$0 Setup fees, monthly fees, and lock-in. Month-to-month, always
100% Yours — data, payment relationships, and roadmap
The core difference

Shop Pay works for Shopify.
Krepling Pay works for you.

Shop Pay is one of the best accelerated checkouts on the web, but it exists to deepen your dependence on Shopify's ecosystem. Every conversion makes leaving harder. Krepling Pay delivers the same one-click speed natively inside your store, on infrastructure you control, with pricing you can actually read.

Feature
Platform store-native, open web Shopify ecosystem only
You own your stack Yes — fully portable No — tied to Shopify
Pricing model Transparent interchange-plus Bundled into Shopify Payments
One-click checkout Yes Yes
Stored wallet Krepling Wallet Shop Pay wallet
Subscriptions Native Subscriptions Limited / app-dependent
Agentic commerce ready Built for AI-driven buying Closed ecosystem
Settlement T+1 on RS2 rails Standard payout schedule
Lock-in None — month-to-month Migration means rebuilding
Pricing transparency

Know exactly what you pay.

Shop Pay's economics are folded into Shopify Payments — your real cost lives inside a blended rate you can't fully see. Krepling Pay is interchange-plus, always. Network cost plus a clear margin. As you scale, your rate drops. No padding, no platform tax.

Ownership & portability

Build on ground you own.

Shop Pay's value compounds inside Shopify — and evaporates the moment you want to leave. Krepling Pay lives in your store, on open infrastructure. Your customer data, your payment relationships, your roadmap. Switch, scale, or grow on your terms.

The agentic future

The web is about to start
buying for itself.

AI agents will soon transact on behalf of customers — and closed ecosystems like Shopify are building walled gardens around it. Krepling Pay is the independent payment rail for the open web, so when agents start checking out, your store is a destination, not a blind spot.

What you don't give up

Same speed. Same conversion.
None of the leash.

One-click returning checkout. Apple Pay and Google Pay. Stored cards. Intelligent retries. Everything that makes Shop Pay convert — delivered natively, without surrendering your independence.

  • One-click returning checkout

    Stored cards, addresses, and shipping preferences — the same frictionless flow Shop Pay shoppers expect.

  • Apple Pay & Google Pay

    Tap to pay on every device, baked in. No extensions, no extra setup, no surcharges.

  • Intelligent retries

    Smart logic recovers failed charges so subscriptions and high-AOV carts don't slip through.

  • Krepling Wallet

    A returning-shopper wallet that lives in your store — your brand, your data, your relationship.

  • PCI-compliant tokenization

    Hosted-fields tokenization keeps card data off your servers and your PCI scope minimal.

  • Chargeback API

    Automatic dispute responses with evidence baked in — fewer manual fights, more recovered revenue.

Switching is simpler than it sounds

Live in days, not quarters.

No replatforming, no rebuild. Krepling Pay drops into the Shopify store you already run — our team handles the heavy lifting.

  1. Step 1

    Connect your store

    Install Krepling Pay on your existing Shopify store. No migration, no downtime, no touching your theme.

  2. Step 2

    We structure your rate

    Share your volume and product mix. We build interchange-plus pricing around how your business actually runs — white-glove, no guesswork.

  3. Step 3

    Go live and get paid

    Flip the switch and start processing. Funds settle T+1, and your customers get the one-click checkout they expect.

Stop renting
your checkout.

Get Shop Pay-grade conversion on infrastructure that's actually yours.