Etsy Payments Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Merchants who want to sell their products on Etsy

Specializes in

eCommerce payment processing

Pricing Summary

Setup Fee: $0

Monthly Fee: $0

Swipe Rate: 3% + $0.25

Keyed-in Rate: 3% + $0.25

Early Termination Fee : $0

Contract Terms:

No Contract Required
Visit Etsy Payments

Etsy Payments is a merchant account solution that enables merchants to accept online payments directly through their stores on the Etsy platform. It’s a rebranded version of an older product called Etsy Direct Checkout. Etsy Payments is currently the only payment processing solution available to merchants on the platform at this time.

Etsy Payments Overview


Etsy is an online marketplace that specializes in unique items sold by individual creators. The company’s headquarters are in Brooklyn, New York, and Etsy’s CEO is Josh Silverman. Etsy Payments is the company’s integrated merchant account solution.

With Etsy Payments, a merchant can process the payments for the items they sell directly through their Etsy store. This eliminates the need to utilize any third-party payment-processing solutions.

Etsy Payments accepts all major payment types, including credit and debit cards, PayPal, Google Pay, Apple Pay, and more. Etsy isn’t a back-end processor. But it partners with companies like WorldPay, Adyen, and Square to provide this capability to its merchants.

Quick Facts

Head Quarters

Brooklyn, New York

Year Founded



Josh Silverman



Merchant Provider Risk Tolerance

What We Like

Does not outsource marketing or use telemarketing.

Transparent pricing model.

No hidden fees or cancellation fees.

Makes accepting credit cards or online payments on Etsy easy.

What We Don't Like

The mobile phone card swiper is no longer available.

Can be difficult to reach someone for customer support.

Accounts can be canceled without warning.

Only available to Etsy sellers.

Industries Served

  • Clothing & Apparel
  • Convenience Store
  • Electronics
  • Healthcare
  • Personal Service
  • SAAS
  • Thrift Store

Business Types Served

  • Ecommerce
  • Mobile
  • Online
  • Retail / Card Present
  • Small Business

Etsy Payments Products & Services


eCommerce Payment Processing

Etsy offers its merchants a wide variety of services, including integrated marketing and web design tools. But Etsy Payments is a sub-branch of the broader company that only focuses on the processing of eCommerce payments. 

With Etsy Payments, you’ll be able to accept just about any type of payment that a customer may want to use, including credit and debit cards, PayPal, Apple Pay, Google Pay, and more.

Seller Protection

The only other real feature that’s offered by Etsy Payments is seller protection. When you sell an item through the service, you automatically qualify for Etsy’s Seller Protection Policy. This involves a team of payment specialists and fraud-checking systems working around-the-clock to verify that your transactions are legitimate.

Etsy Payments Payment Processing

  • Contactless NFC
  • Credit Card Processing
  • Debit Card Processing
  • Gift & Loyalty Program
  • Online Shopping Cart Integration

Etsy Payments Billing & Invoicing

  • Online Payments

Etsy Payments Advertising & Sales

Etsy doesn’t really need to advertise or sell its EtsyPayments service since it’s the only option that merchants on the platform can use. The company doesn’t engage in any deceptive advertising or sales practices because it doesn’t need to. 

Similarly, Etsy doesn’t use independent sales associates to sell this service. That should be viewed as a positive thing, as independent sales agents are often tied to misleading sales practices.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


Etsy Payments Pricing, Rates & Fees


Etsy Payments offers a very straightforward pricing structure that’s generally favorable towards merchants. The company uses a pay-as-you-go system, in which there are no burdensome contracts, massive monthly fees, or hidden early termination fees. Instead, merchants who use Etsy Payments will only pay a per-transaction fee for every item they sell.

The going rate for Etsy Payments is 3% + $0.25 per transaction in the United States. But this rate varies based on the country that the merchant is operating out of. For example, merchants who are based out of the UK will be charged 4% + £0.20 per transaction.

It’s worth noting that this is a bit higher than the industry’s average. However, merchants who want to sell their products on Etsy really have no other choice but to accept these prices if they wish to continue doing so.

Pricing at a Glance

Pricing Model

Flat Rate

Swiped Rate

3% + $0.25

Keyed-in Rate

3% + $0.25

Mobile Payment Rate

Virtual Terminal Rate

3% + $0.25

Monthly Fee


Payment Gateway Fee

Batch Fee

Early Termination Fee


PCI Compliance Fee


Equipment Lease Terms


Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee

Etsy Payments Contract & Terms

Etsy Payments is a great choice for merchants who value freedom. The company doesn’t require its merchants to sign any multi-year agreements. Instead, you will be free to stop using Etsy Payment anytime you want. 

Just remember that to stop using Etsy Payments you would essentially have to stop selling your products on Etsy. So although there’s no contractual agreement in place, it’s not as though you have another payment processor to choose from on the Etsy platform. But at least you’ll never have to worry about any monthly fees, cancellation fees, or early termination fees when you use this service.

Contract Length

No Contract Required

Early Termination Fee


Etsy Payments Setup & Support


Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

Etsy Payments Complaints, Ratings & Reviews

Etsy Payments doesn’t have a dedicated profile with the Better Business Bureau. But Etsy has an A rating with the BBB. 

There have been some mild complaints filed about Etsy Payments online. Delayed payments are the only real recurring theme between them. But judging by the lack of widespread consumer complaints, it appears as though most merchants are happy with the service they’re getting from Etsy Payments.



A, Accredited since 2016 (217 Reviews; 1196 Complaints)


2.9 Stars / 268 Reviews






Total Online Reviews


Total Online Complaints




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