Accept card payments on Shopify in India without Shopify Payments

Shopify Payments is not available to businesses in India. That leaves a store in India with two routes for taking card payments: connect one of the third-party gateways Shopify supports for your country and pay Shopify's extra transaction fee, or replace the checkout page and charge cards through your own Whop account. This page covers both honestly, including the cases where the second route is the wrong one.

Is Shopify Payments available in India?

No. When we checked Shopify's list on 19 September 2026 it had 40 countries and regions on it, and India was not one of them. Shopify adds countries from time to time, so check the list yourself before you decide.

• Shopify's list of countries where Shopify Payments is available

What that means: third-party gateways and Shopify's extra fee

Without Shopify Payments you choose a payment provider from the ones Shopify supports for India. Your Shopify admin shows that list under Settings, then Payments. The provider charges its own rate, and Shopify adds a third-party transaction fee on top. Shopify's pricing page lists that fee by plan:

On a Basic plan that is 2% of every order before the gateway has charged anything. For many stores a local gateway is still the right answer, because it offers the payment methods local buyers actually use. Compare the combined cost, not the gateway's headline rate.

• Shopify pricing, including third-party transaction fees
• Shopify Help Center: third-party transaction fees

The other route: your own Whop account behind the checkout

Whop is a payments platform with its own checkout, payouts and dispute handling. It is not in Shopify's provider list, so you cannot add it in Settings. What you can do is replace the checkout page: Pendym gives your store a hosted checkout that charges the card through your own Whop account, then writes the paid order back into Shopify so fulfilment, inventory and customer emails carry on as before.

Pendym replaces the checkout page, so it is not a gateway inside Shopify's checkout. Whether Shopify's transaction fee applies to orders written back this way on your plan is something to confirm with Shopify against your own plan terms.

Can a business in India sell through Whop?

This is the part to check before anything else, because Pendym only works if Whop will pay you. Here is what we could verify from Whop's own documentation on 19 September 2026, and no more than that.

• India is on Whop's published list of supported payout countries, and it is not on Whop's list of sanctioned or unsupported countries.
• To withdraw, you set up Whop Payments from the Balances page: choose your country, then complete identity verification by filling in your details, linking a bank account and uploading ID.
• Whop says sellers outside the United States need a bank account that accepts the currency of their registered country. It converts what you earn into that currency before paying out, so plan on payouts in Indian rupee rather than in US dollars.
• Whop says different countries get different payout options (bank account, and in some countries a mobile wallet or crypto wallet). It does not publish which options each country gets. You see yours on the Balances page once your business is created.
• Standard payouts take up to 5 business days according to Whop, and Whop can hold a withdrawal for compliance review.

We could not find per-country seller requirements for India beyond this, so we are not going to invent any. Create your Whop business first, choose India, finish verification and look at the payout options Whop shows you. It is free, and it tells you for certain before you touch your store.

• Whop: set up payouts and supported countries
• Whop: payout methods and international payouts
• Whop: countries it does not support

Currency and language at the checkout

Pendym quotes prices live from your Shopify store, so the checkout shows the same prices as your product pages: Indian rupee (INR) if that is what your store charges, or the buyer's Shopify Market currency if you sell in several. Shipping rates, tax and discount codes come from Shopify too. Whop says it supports more than 135 currencies. Pendym's own 0.5% fee is charged in the currency of each sale, so no exchange rate is applied to it.

English is the default language of the checkout, which suits most Indian stores. Hindi and other Indian languages are not among the 18 supported languages.

Things specific to India

Inside India most online payments run over UPI, with cards, net banking and cash on delivery behind it. Pendym's checkout takes payment through your Whop account, so the payment methods a buyer can use are the ones Whop offers your business. Do not assume a local method is there until you have seen it on your own checkout. For a store selling to buyers in India, a local gateway from Shopify's list will almost always convert better.

Pendym fits an Indian business that sells abroad. India regulates money arriving from overseas closely, and recurring charges on Indian-issued cards follow the Reserve Bank of India's mandate rules, which matters if you plan to sell subscriptions to buyers in India. Confirm with Whop and with your bank how rupee payouts will reach you.

The four setup steps

1. 1Connect Whop. Click Connect with Whop in Pendym and approve it on Whop, choosing the business your sales should be paid into. It is one click if your Whop business already exists.
2. 2Verify a card. Pendym places a $1 hold and releases it straight away, so nothing is charged. The 0.5% fee per order is billed to this card later.
3. 3Connect Shopify. Create a small app in your own Shopify Dev Dashboard and paste its Client ID and Secret into Pendym. Pendym shows every click and then checks that each permission is active. You need to be the store owner or a staff member with app development permission.
4. 4Paste one line into theme.liquid, just above the closing body tag. Nothing changes for buyers until this step, and you can switch the checkout off again in Settings at any time.

What it costs

We do not set or control Whop's rates, so read them at the source. When we checked on 19 September 2026, Whop's fees page listed a base card rate plus an extra percentage for international cards and another when a payment needs currency conversion. Both extras are likely to matter for a business in India that sells to buyers abroad, so work them into your prices.

• Whop's fees page

What this does not do

• It is not a Shopify payment gateway. You will not find Pendym or Whop under Settings, then Payments. It replaces the checkout page instead.
• Buyers no longer see Shopify's checkout page, so anything that lives on that page, such as checkout apps and extensions, stops applying.
• The Shop Pay, PayPal and Google Pay express buttons in your cart are hidden while Pendym is on, because they would send buyers to Shopify's checkout and around your Whop account.
• Shopify gift cards cannot be redeemed at the Pendym checkout. Shopify discount codes do work.
• It does not offer cash on delivery or add local payment methods of its own. Buyers pay with what Whop offers your business.
• It does not make your money safer from holds by itself. Whop reviews accounts, can place reserves, and has its own prohibited business list. Read it before you start.

• Whop: prohibited and restricted businesses
• Whop: how reserves work

Read next

• How to connect Whop payments to Shopify, step by step
• Can you use Whop as a payment gateway on Shopify?
• How to replace the Shopify checkout without Plus
• Shopify Payments account on hold: what to do and your options
• Every country we have checked