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Payment provider
Payment providers offer a service that transfers money from your customers to you. Credit card payment providers allow your customers to pay using a credit card. If you want to accept credit card payments from your customers, then you can set up Shopify Payments or a third-party payment provider.
Shopify Payments
Shopify has its own payment provider, Shopify Payments, which integrates directly with your checkout. If your business is eligible for Shopify Payments:
you only pay the credit card rate without additional transaction fees
your customers can enter their payment information at checkout without leaving your online store
you can set up Shopify Payments right from your Shopify admin instead of having to log in to another website or account
you can view your payouts in real-time right from your Shopify admin.
If you want to give your customers another way of paying, for example, through PayPal or with a custom payment method, then you can set these up in addition to Shopify Payments without having to pay any extra transaction fees.
Third-party payment providers
If Shopify Payments is not available in your country, or if you prefer not to use it, then you can activate one of the third-party payment providers that Shopify integrates with. In this case, transaction fees do apply.
After you decide what payment provider you want to use from the available options, you can configure your payment settings in your Shopify admin.
Billing cycle
A billing cycle is the 30-day interval at which Shopify bills your plan fees and charges. You cannot choose the date that you get charged on, but you can extend your billing cycle to a longer interval (one, two, or three years) to earn a discount.
A different billing cycle applies to app subscriptions, so their billing cycles might not always match the billing date of your Shopify subscription billing cycle.
If you ever pause or close your store, then make sure you cancel your app subscriptions as well to avoid additional future charges.
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