The Shopify Payments alternative for high-risk stores
Shopify Payments runs on Stripe's infrastructure and inherits the same acceptable-use limits, so many stores get held or blocked. Spectrum ePay is a compliant gateway you can connect to your store without leaving Shopify.
Why merchants leave Shopify Payments
Product category not permitted on Shopify Payments
Payouts held or account placed under review
Forced to disable Shopify Payments and find a third-party gateway
Third-party transaction fees stacking up
Shopify Payments vs. Spectrum ePay
A head-to-head look at what changes when you switch.
How Spectrum ePay solves it
A compliant gateway for your store
Connect Spectrum ePay as your gateway and keep selling on the platform you already run — no re-platforming.
High-risk underwriting
Your store is boarded to a dedicated merchant account built for your category, so approvals hold as you scale.
USD you can rely on
Settlements in USD to your U.S. bank on a defined schedule, with reserve terms set in writing up front.
Frequently asked questions
Why did Shopify Payments hold my funds or decline my product?
Shopify Payments is powered by Stripe and follows the same acceptable-use policy, so high-risk categories can be restricted and payouts can be held during review. A dedicated merchant account through Spectrum ePay is underwritten to your specific store instead.
Do I have to leave Shopify?
No. Spectrum ePay connects as your payment gateway, so you keep your store, theme, and catalog while payments route through a high-risk-friendly processor.
How are payouts handled?
In USD to your U.S. bank on a defined schedule, with any reserve terms agreed before you go live.
Ready to leave Shopify Payments behind?
90%+ approvals, USD payouts to your U.S. bank, and a checkout that feels like Stripe. Same-day integration, no contract, one flat rate.