Shopify Payments are built-in payment systems that eliminate the need for third-party integration. While they don’t charge you transaction fees, you still need to factor in your credit card rate, which varies between 2.4% and 2.9% in the US. Fortunately, there are numerous third-party payment gateways that integrate with Shopify. You can choose from over 100 options. To make it easy to manage payments, sign up for a free trial.