Optimising the Revolut Payment Gateway for Shopify

Introduction

Accepting payments through the Revolut Payment Gateway on Shopify allows merchants to access competitive transaction rates and next-day settlement. This integration is particularly effective for stores operating in the UK and Europe, where Revolut’s user base is most dense. By using HidePay on the Shopify App Store, you can strategically control when this gateway appears to ensure you are always offering the most cost-effective and high-converting payment options to your customers.

This guide provides a detailed look at setting up the Revolut integration, managing multi-currency settlements, and using advanced checkout rules to protect your profit margins. Whether you are looking to reduce processing fees or improve the mobile checkout experience with one-click payments, understanding the nuances of this gateway is essential. We will cover the technical setup and the strategic implementation required to get the most out of your Shopify checkout.

The Business Case for Using Revolut on Shopify

Choosing a payment provider is one of the most impactful decisions for a Shopify merchant's bottom line. The Revolut Payment Gateway has become a popular choice because it addresses two major pain points: high transaction fees and slow settlement times. For many merchants, waiting three to seven days for funds to clear can create significant cash flow challenges. Revolut’s next-day settlement feature ensures that capital is available almost immediately for reinvesting in inventory or marketing.

The fee structure is another significant draw. With online transaction rates often starting at 1% + £0.20 for UK and EEA consumer cards, it is frequently more affordable than standard rates offered by other major providers. For high-volume stores, these fractions of a percentage add up to thousands in annual savings. Additionally, the ability to settle in over 25 currencies without forced conversion allows international brands to manage global sales without losing money to unfavorable exchange rates.

Setting Up the Revolut Payment Gateway

To begin using Revolut on your Shopify store, you must have a Revolut Business account. The process is straightforward but requires specific steps to ensure the integration is secure and functional.

First, you need to access your Revolut Business portal to generate an API Key. This key acts as the secure bridge between your bank account and your Shopify admin. Within the "Merchant" section of your Revolut dashboard, you can find the settings for API integrations. It is important to treat this key with the same security as a password, as it allows the gateway to process transactions on your behalf.

Once you have your credentials, you install the gateway through the Shopify App Store. After installation, the setup wizard will prompt you to enter your API Key and configure your basic settings. At this stage, you can choose which card brands you wish to accept. Revolut supports Visa, Mastercard, and American Express, as well as digital wallets. Activating "Revolut Pay" during this setup is also recommended, as it enables a one-click checkout for the millions of global Revolut users, which can significantly lower abandonment rates.

Understanding Revolut Pay vs. The Standard Gateway

It is important to distinguish between the standard credit card processing gateway and Revolut Pay. The standard gateway allows any customer with a debit or credit card to enter their details and pay. Revolut Pay, however, is a dedicated "express" option.

When a customer uses Revolut Pay, they do not need to enter their card numbers or shipping details manually. If they have the Revolut app on their phone or are logged into their account on a browser, the transaction is completed in a single click. This experience is similar to Apple Pay or Shop Pay but is specifically optimized for the Revolut ecosystem. For merchants, this means higher conversion rates among a specific, tech-savvy demographic.

The integration allows you to offer both. The standard gateway captures the broad market, while Revolut Pay captures the existing Revolut user base with a frictionless experience. You can use our tools to decide where these options appear in the list of payment methods to guide customer behavior effectively.

Strategic Sorting of Payment Methods

The order in which payment methods appear at checkout influences what customers choose. If you want to encourage the use of Revolut because it offers lower fees than other providers, you should place it at the top of the list. By default, Shopify often sorts payment methods based on their internal logic, which may not align with your financial goals.

Using the sorting features in HidePay, you can ensure that Revolut is the first option seen by customers in specific regions, such as the United Kingdom or Ireland. For example, if a customer is based in London, they are more likely to have a Revolut account. Sorting the Revolut Payment Gateway to the top for these users increases the likelihood they will use it, saving you money on processing fees compared to more expensive alternatives. See how to sort and rename payment methods in the checkout.

Hiding Revolut for Specific Regions or Products

While Revolut is a powerful tool, there are scenarios where you might want to hide it. Payment gateways often have different risk profiles or fee structures depending on the customer's location. If you find that Revolut's rates for non-EEA cards are higher than your alternative providers, you can create a rule to hide the Revolut gateway for customers outside of Europe.

Another scenario involves product-based rules. Some merchants prefer to use specific gateways for high-ticket items to take advantage of different fraud protection levels. If you sell a specific category of products that has a higher-than-average chargeback rate, you might choose to hide certain express checkout buttons and only show a gateway that requires more robust 3D Secure authentication. Our app allows you to set these conditions easily — learn how to create a payment customization and select conditions.

Managing Multi-Currency Settlements

One of the strongest features of the Revolut Payment Gateway for Shopify is its approach to multi-currency. Many gateways force a conversion into your store's base currency at the time of sale. This often involves a hidden fee or a poor exchange rate.

Revolut allows you to accept and hold balances in over 25 different currencies. If a customer pays in USD, the funds stay in USD in your Revolut Business account. This is a significant advantage for merchants who also pay their suppliers in foreign currencies. You can receive USD from customers and pay USD to manufacturers without ever paying a currency conversion fee.

To maximize this benefit, you should ensure your Shopify store is set up to sell in multiple currencies through Shopify Markets. When combined with the right checkout rules, you can ensure that customers are always seeing the most relevant payment options for their specific currency, further reducing friction and avoiding unnecessary conversion costs.

Enhancing UX by Renaming Payment Methods

The default name for a payment gateway in the checkout might not always be the clearest for your customers. "Revolut Gateway" might mean something to a merchant, but a customer might find "Credit / Debit Card (Processed by Revolut)" or "Pay with Revolut Account" more descriptive.

Renaming these options can help build trust. For instance, if you are targeting a specific market, you might rename the gateway to reflect local language or terminology. Clearer labeling reduces the cognitive load on the customer during the final steps of their purchase. If a customer is confused by a payment label, they are more likely to abandon their cart. We provide the ability to rename these labels on the fly without changing your underlying gateway settings — see the documentation for sorting and renaming payment methods.

Protecting Margins with Conditional Rules

Profit margins in e-commerce are often tight, and payment processing fees are a constant drain. By implementing conditional logic at checkout, you can protect these margins. For example, you might decide that for very small orders (e.g., under £5), the flat-fee portion of a payment gateway's cost makes the transaction unprofitable.

In these cases, you could use a rule to hide certain payment methods and only show the one with the lowest flat fee. Conversely, for very large orders, you might want to hide express checkout options that have higher percentage-based fees and instead encourage a standard gateway or even a bank transfer for B2B transactions.

If you need to hide express checkout buttons (Apple Pay, Google Pay, Revolut Pay) under specific conditions, the guide on how to hide the Express Checkout with HidePay explains how to create those rules (note: some express-button controls require Shopify Plus due to Shopify limitations).

The Technical Advantage of Shopify Functions

We have built our tools using native Shopify Functions. This is a critical technical detail for merchants who care about store performance and stability. Older methods of modifying the checkout often relied on Shopify Scripts, which were limited to Shopify Plus merchants and are being deprecated.

Because we use Shopify Functions, the rules you create for your payment gateways run natively within Shopify's infrastructure. This means there is no lag at checkout, no external scripts to slow down the page load, and the integration is "Built for Shopify" certified. This ensures that as Shopify updates its platform, your payment rules will continue to work without manual intervention or code edits. If you want a tool to create or migrate Functions, check out SupaEasy on the Shopify App Store.

Reducing Chargebacks and Fraud

Fraud is an unfortunate reality of online retail. Revolut provides built-in fraud monitoring and supports Strong Customer Authentication (SCA) to comply with European regulations. However, merchants should still take an active role in managing their risk.

You can use customer tags in Shopify to identify high-risk or high-value customers. Once a customer is tagged, you can create a rule in the app to show them only the payment gateways that offer the most robust protection. If a specific gateway has a history of being targeted for fraud in your store, you can hide it specifically for customers who meet certain risk criteria, such as a high order value combined with a first-time purchase.

Optimizing for Mobile Shoppers

Mobile commerce continues to grow, and the checkout process is often the most difficult part of the mobile journey. Entering card details on a small screen is a common point of abandonment. This is where Revolut Pay excels.

By prioritizing Revolut Pay for mobile users, you give them a path to purchase that requires no typing. You can set rules that detect the delivery method or the customer's device type to ensure that the fastest payment options are always presented first. Reducing the time it takes to move from the cart to a "Thank You" page is one of the most effective ways to increase your conversion rate.

Action Steps for Merchants

To get started with an optimized Revolut setup, follow these steps:

• Verify your region: Ensure your business is registered in a country supported by Revolut Business for merchant services.
• Install the gateway: Connect your Revolut Business account to Shopify using the official plugin and then install HidePay to control where and when it appears.
• Analyze your fees: Look at your average order value and the percentage of customers using different card types.
• Set up HidePay: Create your first rule to sort or hide the gateway based on your highest-priority market — see the article introducing HidePay on the Nextools blog for use-case examples.
• Monitor and adjust: Check your conversion rates after 30 days to see if the changes have improved your checkout performance.

Using Geography to Drive Efficiency

If your store serves multiple countries, a one-size-fits-all checkout is rarely the best approach. A customer in Spain has different payment preferences than a customer in the United States.

You can create rules that look at the customer's shipping country. If the country is the UK, you might show Revolut and ClearPay. If the country is Germany, you might prioritize Klarna and hide Revolut if it's less popular there. This level of granularity ensures that your checkout feels local to every customer, regardless of where they are in the world. This localization is a key driver of trust and conversion.

How to Handle Express Checkout Buttons

Express checkout buttons like Apple Pay, Google Pay, and Revolut Pay often appear at the very top of the checkout or even on the product page. While these are great for conversion, they sometimes bypass the opportunity for merchants to collect specific information or offer certain upsells.

Using our tool, you can block these express buttons based on specific rules. For example, if a customer has a "Pre-order" item in their cart, you might want to block express checkouts to ensure they read the terms and conditions on the standard checkout page. This gives you total control over the customer journey without sacrificing the speed that mobile shoppers expect. The help doc on hiding Express Checkout buttons walks through how to build these conditions.

Summary of Key Takeaways

Integrating the Revolut Payment Gateway on Shopify is a smart move for merchants looking to lower fees and speed up their access to funds. However, the real value comes from how you manage that gateway.

By using HidePay, you can ensure that Revolut is shown to the right people at the right time. You can sort it to the top for UK customers, hide it for regions where it's not cost-effective, and rename it to provide a better user experience. Protecting your margins through conditional logic and providing a frictionless mobile experience with Revolut Pay are essential strategies for any modern Shopify store. For broader checkout optimization strategies and bundles that combine payment and shipping controls, read about HideSuite on the Nextools blog.

Conclusion

The Revolut Payment Gateway offers a modern, efficient way to handle transactions on Shopify. By combining its low fees and fast settlement with the precise control offered by our app, you can create a checkout that is both highly profitable and user-friendly.

• Prioritize Low Fees: Use sorting rules to push Revolut to the top in supported regions.
• Localize Experience: Rename gateways to match customer expectations and language.
• Control Risk: Hide specific payment methods based on customer tags or product types.
• Optimize for Speed: Leverage Revolut Pay for one-click mobile conversions.

Ready to take full control of your Shopify checkout? Try HidePay — free to install on the Shopify App Store and start creating a more efficient, high-converting payment experience for your customers.

FAQ

Does Revolut work with Shopify?

Yes, Revolut offers a dedicated payment gateway for Shopify that allows you to accept card payments and Revolut Pay. You will need a Revolut Business account to generate an API key and connect the two platforms. Once connected, you can manage your transactions and settlements directly from your Revolut dashboard.

How much are the fees for Revolut on Shopify?

Revolut Business offers competitive pricing, often starting around 1% + £0.20 for online transactions using UK and EEA consumer cards. These rates can vary based on your plan and the type of card the customer uses. You can view current pricing and plan details on the Shopify App Store or the Revolut Business website to see which is best for your volume.

Can I hide the Revolut payment option for certain products?

Yes, by using HidePay, you can create rules to hide the Revolut gateway based on the contents of the customer's cart. This is useful if you have certain products that have different insurance requirements or if you want to direct customers toward a different payment method for specific items like high-ticket goods or pre-orders. See the help doc on hiding payment methods for certain products for step-by-step instructions.

How does next-day settlement work with Revolut?

When you use the Revolut Payment Gateway, the funds from your sales are typically settled into your Revolut Business account the next day. This is much faster than the standard 3–7 day waiting period found with many other providers. This feature helps Shopify merchants maintain a healthier cash flow to manage inventory and operational costs.