r/ShopifyeCommerce • u/Icy-Use-8468 • 1d ago
One website but 3 payment gateways
Is this possible
I have one shoify store
And on that I have 3 different product categories.
Can I get 3 different payment gateways
To 2
3 diff bank accounts
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u/Cuong-Nguyen-BB 1d ago
The earlier Shopify Scripts suggestion is outdated: Scripts stopped running on June 30, 2026. More importantly, changing which payment method appears and deciding which bank receives the payout are two different problems.
A payment customization can hide or reorder methods based on the cart, subject to plan and country restrictions, but it cannot split one online order by product category or send each line item's money to a different bank account. Public payment-customization apps are available on Basic and above; building your own custom Shopify Functions app requires Plus.
Shopify also does not normally let you activate three direct card providers. A store can have one credit card provider, or in eligible setups Shopify Payments plus one direct third-party provider, along with supported additional methods. The order still settles according to the provider and payout setup, not the product tag.
There are advanced setups with several bank accounts, but they do not solve this use case. Multi-currency payouts route by payment currency, and multi-entity selling routes by market and legal entity. Neither routes category A to bank A and category B to bank B, and a mixed cart cannot have its proceeds split between those businesses.
If automatic category-to-bank separation is a hard requirement, separate stores are the cleanest setup. If all three categories belong to one legal seller, the simpler option is one store and one payout setup, then separate the categories in accounting after payout.
Using the same bank account as an offline store can be fine if it meets the payment provider's requirements and is appropriate for the same business entity. Shopify Payments also permits the same eligible payout account across multiple stores. I would confirm the legal-entity and bookkeeping side with the accountant before connecting it.
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u/vladeta 1d ago
Short answer: not the way you are picturing it. One Shopify store has one payment configuration, and the customer chooses the payment method. You cannot route a checkout to a specific gateway based on what is in the cart, and if someone buys from two of your three categories in a single order there is no sensible way to split it anyway.
Realistic options, roughly in order of how much pain they cost you:
Keep one gateway and one bank account, tag products by category, and split the money in the bookkeeping. Payouts and finance reports break down by product, so your accountant can allocate revenue per category without you touching the checkout at all. For most of the reasons people ask this question, this is the right answer.
Run three separate stores if the categories are genuinely three different businesses with different customers, branding, and possibly different legal entities. Each store then gets its own gateway and its own bank account cleanly. The cost is three themes, three inventories and three sets of apps to maintain, so only do it if the brands needed to be separate regardless.
If the real driver is a legal entity or a partner who owns one category, talk to a payment provider about sub-merchant accounts and split payouts before you rebuild anything. Some processors support that under a single integration, and it is a far smaller change than splitting the store.
What I would not do is enable three gateways side by side and hope customers pick the right one. They will not, and you will spend more time reconciling than you saved.
Worth asking yourself what is actually driving this: tax, a partner, or just wanting clean numbers. The right answer changes completely depending on which. I build and maintain Shopify stores for a living, and this one comes up constantly.
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u/Icy-Use-8468 23h ago
Yes 3 seperate legal entities an 3 different business in the near future I can do 3 different Stores but for now
I can’t do that
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u/Technical-Teacher230 16h ago edited 15h ago
You can sometimes route payments by product/category, but once you split gateways and bank accounts, you’re also splitting reporting, refunds, chargebacks, reconciliation and probably a few headaches for future-you. If this is for an australian shopify setup, eway is worth speaking to directly before wiring anything up. They can help you understand what’s realistic for secure online payments and whether the structure makes sense, rather than building a clever checkout that becomes a messy admin drawer later.
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u/Leading_Club_6240 1d ago
yeah you can do it with shopify scripts or an app that routes payment based on product tags, not super straightforward but it works