Shopify Payments / New feature

Managed Payment Methods
A new feature that lets you hand your "payment method mix" entirely off to Shopify

Payment methods suited to the customer's country/region are enabled automatically and reordered to maximize the chance of a purchase. Merchants are freed from the work of handling each new payment method as it's added.

On this page
  1. What actually changes (a 30-second overview)
  2. How it works: the flow once an order begins
  3. Which payment methods are covered / not covered
  4. Traditional vs. Managed comparison
  5. Requirements
  6. Setup steps (3 steps)
  7. 5 key points for developers
  8. 3 practical use cases
  9. A one-line summary for your pitch

1What actually changes

Until now, merchants manually configured which payment methods to show, to customers in which countries, and in what order.
Managed Payment Methods delegates that decision to Shopify's machine learning (SNI) — as an option.

Traditional: all manual

You enable each country's payment methods one by one yourself. Whenever a new method (such as BLIK) appears, you have to handle it each time. The merchant also decides the order.

Managed: leave it to Shopify

Payment methods suited to the customer's region turn on automatically. The display order is automatically optimized by likelihood of a completed purchase. New methods are added automatically too.

2How it works: the flow once an order begins

Customer Country, device, preferences Shopify store Capture regional signals (IP, shipping address, etc.) Checkout starts SNI Shopify Network Intelligence Infer with collective intelligence Optimized checkout 1. Apple Pay 2. Credit card 3. BLIK (Poland) 4. Klarna(BNPL) Ordered by purchase likelihood
SNI(Shopify Network Intelligence)What it is: a system that uses purchasing signals Shopify has learned across many stores to infer, for each customer, the "payment methods that work" and the "ordering that works."
It's easiest to picture it as optimization you could never build from your own store's sales data alone, returned to you as Shopify's collective intelligence.

3Which payment methods are covered / not covered

Automatically managed (Managed applies)

Credit cards
Visa / Mastercard / JCB, etc.
Digital wallets
Apple Pay/Google Pay
BNPL
Buy now, pay later (BNPL)
Klarna / Affirm, etc.
Regional payment methods
Bancontact / BLIK, etc.

Not managed (set up yourself)

Not covered

Turning card brands on/off

You'll keep handling granular controls like "accept Visa only" yourself.

Not covered

Cash on delivery, manual, and gift cards

Cash on delivery, custom payment apps, and gift cards work as before.

Not covered

Third-party payment service integrations

App-based versions of Klarna and the like aren't covered by automatic activation.

4Traditional vs. Managed

ItemTraditional (manual)Managed Payment Methods
Activating payments Manual Turn on/off per region Automatic Turned on automatically based on region
Display order Fixed Set by the merchant Optimized Reordered by likelihood of purchase
Adding new payment methods Manual each time Added automatically
Disabled payment methods You need to re-enable them yourself Shopify won't turn them back on (it remembers your choice)
Additional cost Free Same fees

5Requirements

Shopify Payments is ON

Requires Shopify's official payment processor to be active. Not available for stores that exclusively use third-party payment providers.

SNI is ON

You need to enable "Shopify Network Intelligence" in your privacy settings. Turning it OFF automatically disables Managed as well.

The help page doesn't spell out supported countries or plans. Before adopting it, check in the Shopify admin whether it actually appears for your store's country/plan.

6Setup steps (3 steps)

1

Open Settings > Payments

From "Settings" in the bottom-left of the admin, go to "Payments."

2

Turn ON "Managed payment methods"

Turning on the toggle brings up a confirmation dialog.

3

"Confirm" enabling SNI

This starts automatic optimization. From then on, you can leave it alone.

Just individually disable the payment methods you want OFF from "Manage,"and you can leave everything else to automatic operation. Shopify will never turn back ON anything a merchant has switched OFF.

75 points engineers should keep in mind

SNI

1. The core is collective intelligence (SNI)

Optimizations you couldn't build from your own store's data alone come down as cross-Shopify signals. For merchants, it feels closer to "choosing and plugging in a trained model."

2. Existing customizations stay intact

Logic built in the Checkout editor or with Checkout UI Extensions (such as pinning a specific payment method) keeps working as-is. The layout layer and the "payment selection layer" are separated.

API ?

3. No mention of API/Webhook specs

Only the operational settings in the admin are described. How it behaves with the Admin GraphQL API or Webhooks needs separate verification. If you want to automate it, check in a sandbox beforehand.

ON OFF

4. ON and OFF are asymmetric

Shopify handles automatically turning new payment methods ON. But anything switched OFF is never turned back ON = explicit OFF is a safe control point.

5. If a third-party version is installed, the Shopify version won't auto-enable

Example: on a store that has a third-party Klarna app installed, the Shopify Payments version of Klarna won't auto-enable.When consolidating during a replatforming project, the order of uninstalling the third-party app first and then turning Managed ONis required.

83 use cases you can apply to your business

USE CASE 1

Zeroing out the operational burden of payment design for cross-border / multi-country stores

Challenge
You sell to the EU, APAC, LATAM, and so on, and enable local payment methods like iDEAL/Bancontact/BLIK/Boleto/Konbini by hand every time.
Solution
Turn Managed Payment Methods ON and leave regional payment selection to Shopify. Explicitly turn OFF only the methods you don't want shown.
Impact
Less operational work, plus improved international CVR from automatically expanding local payment coverage.
Technical note
Existing logic built with Checkout UI Extensions can be preserved as-is.
External A External B External C Shopify
USE CASE 2

Graduating from external payment apps and consolidating on Shopify Payments in replatforming projects

Challenge
In migration projects from EC-CUBE or legacy Shopify, external versions of Klarna/Affirm/PayPay and the like get plugged in individually, leading to a proliferation of payment vendors and fragmented rates and maintenance contracts.
Approach
① Inventory the scope of dependencies on external apps → ② Identify which ones Shopify Payments can replace → ③ Uninstall the external versions → ④ Turn Managed ON.
Impact
Lower contract, accounting, and maintenance costs through vendor consolidation, a unified credit-approval flow, and a consistent payment UI.
Technical notes
Because of the behavior where "the Shopify version won't turn on automatically while an external version is installed,"designing the switchover orderis the key. For production, running maintenance mode during late-night hours is recommended.
CVR
USE CASE 3

Running CVR-improvement experiments with "zero implementation"

Challenge
You want to A/B test the display order of payment methods, but implementing it plus building a test harness with Checkout UI Extensions takes significant effort.
Approach
Turn Managed ON to activate SNI optimization → after a set period, measure CVR and sales by payment method → compare against the conventional ordering when it's OFF.
Impact
With zero implementation, you can gather comparison data for "manual ordering vs. leaving it to SNI." It can be repurposed as evidence in proposal materials.
Technical notes
Measure using sales by payment method in Shopify Analytics, or break it down by payment_type via GA4/BigQuery integration. At least 2–4 weeks (to absorb seasonal factors).

9A one-line summary you can use in proposals

"An option that delegates the lineup and ordering of payment methods to Shopify's collective intelligence (SNI).
Zero additional cost, non-destructive to existing Checkout customizations, and new payment methods are added automatically as they launch.
Recommended ON by default; you only need to manage explicit OFF yourself."