Member Avatar for gilcalisto

Hi,
I am thinking to build a digital restaurant and conisering in using shopify. At the place I live most of the international easy to integrate payment gateways don't allow this country (Macao SAR). The banks here have their own payment gateways and I would like to know how easy it is to integrate a payment gateway with a shopify store? And it would become very expensive the development?
Thanks a lot!
Paulo

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Short answer: yes — but how easy and how much it costs depends on what the bank already offers and which integration route you pick. already pointed out that Shopify supports local providers; since has direct contacts at the bank, the fastest path is to ask the bank a few concrete questions (below) and choose between a hosted redirect, an existing PSP, or a full checkout integration.

Ask the bank for the following (use this as a checklist when you talk to them):

  • Do you provide a hosted payment page (redirect) or only an API?
  • Is there a sandbox/test environment and test cards?
  • Can you do authorization/capture, refunds, voids, and asynchronous callbacks/webhooks?
  • Do you support 3D Secure (SCA) and tokenization so the store never handles raw card data?
  • What are settlement currencies, settlement timing, fees, and chargeback procedures?
  • What PCI requirements or certificates are needed for an integration partner?
  • Are they willing to build a Shopify Payment App or get listed as a Shopify gateway?

Practical integration routes and trade-offs:

  • Hosted redirect (fastest, lowest dev cost): customer is sent to the bank’s page; little PCI scope but fewer checkout UX features.
  • Use an existing PSP that already integrates with Shopify (easy, may add fees): good if bank can settle to that PSP.
  • Official integration / Payment App or Shopify-approved gateway (best UX, more work): bank or a developer builds an app that plugs into Shopify checkout; this requires development, testing and platform approval.
  • Shopify Plus / custom checkout (enterprise option): gives the most control but involves higher costs.

Testing and deployment tips: validate every payment flow in the sandbox (auth, capture, refund, partial refund, chargeback), verify settlement reporting, and don’t store card data unless you meet PCI-DSS. Given your bank contacts, ask them for API docs and sandbox credentials first — that will quickly show which route is realistic and who pays for development.

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Member Avatar for gilcalisto

Because I have been working with a local bank for my employer e-shop. I know personally the persons at the bank that are in charge of their payment gateway and the fees are low. On top of that, it offers all the local payment solutions. This would be the main reasons but maybe, as you said, I'm just complicating what was built to be easy.

Member Avatar for rproffitt

Let's say you want to use that bank. Then they would be asked how to add this to shopify or some other system.

Member Avatar for gilcalisto

Thanks. Let me ask them.

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