CapitalPayments
Shopify Capital
Native capital product for Shopify merchants with repayment tied to store sales.
Last reviewed: 2026-05-17
What they offer
- •Merchant cash advances
- •Business loans in some markets
- •Sales-based repayment
Integration model
Closed ecosystem native product; not a general-purpose embeddable API for outside platforms.
Best for
- •Shopify merchants
- •Commerce platforms benchmarking native capital UX
- •Fast capital inside a closed ecosystem
Not for
- •Non-Shopify platforms
- •Platforms seeking a vendor-neutral embedded product
Catches
- •Not broadly white-label
- •Not useful unless the merchant is in Shopify
- •Limited external platform control
Pricing / economics
requires quotePublic pricing is incomplete or not enough for deal comparison. Treat exact fees, rev share, liability, minimums, and eligibility as quote-required.
- •transaction fees
- •processor markup
- •platform/payfac revenue share
- •chargeback/fraud liability
- •reserve requirements
- •origination fee or rev share
- •cost of capital
- •servicing fee
- •loss/repurchase exposure
- •minimum volume/eligibility thresholds
Provider contact
needs verified contacthttps://www.shopify.com/capitalStart via ecosystem native. Verify a direct partnerships/sales contact before automating outreach.
Geographies
- •US
- •selected Shopify-supported markets
Compare against
Capital diligence