How Do You Withdraw Shopify Earnings to India in 2026?

1. Confirm your setup: Shopify Payments is not offered in India, so an Indian store needs a third-party payment provider, as Shopify's supported countries page explains.
2. Open an account with a payment provider that Shopify lists for India, complete its KYC, and submit and verify your Indian bank account with that provider.
3. In Shopify admin, go to Settings, then Payments, select Choose a provider, pick the provider, enter your credentials, click Activate and then Save.
4. To add PayPal, go to Settings, then Payments, open PayPal under Additional payment methods, link a PayPal business account and complete KYC.
5. Grant refund and capture permissions in your PayPal account if you plan to issue refunds or capture payments manually through Shopify.
6. Register for GST if your business needs it, add your GSTIN in Settings, then Billing, then Billing profile, and file a Letter of Undertaking so export sales can go out without paying IGST.
7. If you are a Shopify Partner, open Settings, then Payouts, then Manage payout method in the Partner Dashboard, create a Hyperwallet account, choose your country and currency, and add bank details for a real bank account.
8. Enter your tax information in Partner Account settings, and keep invoices and provider settlement reports so your bank can match each inward payment to a purpose code.

Shopify does not publish full fees for its withdrawal methods, so INR amounts are not calculated. The methods table above lists every fee it does publish.

Shopify charges Indian stores a monthly plan fee and a third-party transaction fee on each sale. The Shopify India pricing page lists that fee as 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. For example, a $100 sale on Basic costs $2 in Shopify's fee, plus provider charges.

The Shopify help pages reviewed for this guide do not ask Indian merchants for a W-8BEN or describe tax deducted from store sales. Indian tax rules still apply to the income. Shopify charges GST on its fees to stores in India unless a GSTIN is added, per Shopify help on GST on Shopify billing.

• W-8BEN: Shopify's pages reviewed for this guide do not name a W-8BEN for Indian merchants or Partners. The IRS says a foreign person gives Form W-8BEN to the payer when asked. Complete it only if Shopify, Hyperwallet or a payment provider requests it. See W-8BEN for Indian freelancers.
• TDS: Shopify's help pages do not describe Indian TDS on store sales or Partner payouts. Check your payment provider's statements and the income tax portal for any tax deducted. The Income-tax Act, 2025 FAQs map old TDS provisions such as section 194C to section 393 of the new Act. See TDS on marketplace payouts.
• GST on fees: A store located in India is charged GST on its Shopify fees, shown on its Shopify bills, per Shopify help on GST on Shopify billing. Adding a GSTIN under Settings, then Billing, then Billing profile exempts only invoices issued after you add it. Earlier GST charges cannot be reversed or refunded.
• GST on exports: Exports of goods and services are zero-rated supplies under IGST Act section 16. A registered seller can export without paying IGST by filing a Letter of Undertaking in Form GST RFD-11 under CGST Rule 96A. See LUT filing.
• Income tax: Shopify sales and Partner earnings are taxed in India. The Income-tax Act, 2025 replaced the 1961 Act from 1 April 2026, and the presumptive schemes under old sections 44AD and 44ADA now sit in section 58. The old sections still govern income of years before 1 April 2026. See 44AD vs 44ADA.

• FIRA: Shopify does not issue a FIRA or FIRC, because the payment provider, PayPal or Hyperwallet moves the money to your bank. Ask them and your bank for the inward remittance record. FIRA is a term used by banks and platforms and is not defined in the FEMA Export and Import Regulations, 2026. See FIRC vs FIRA vs e-BRC.
• Store sales: Goods sold through a Shopify store fall in RBI's export of goods group. The RBI purpose code list describes P0103 as "Advance receipts against export contracts (export of goods only)" and P0104 as "Receipts against export of goods not covered by the GR/PP/SOFTEX/EC copy of shipping bill etc." Ask your AD bank which code applies. See purpose code for export of goods.
• Partner earnings: App and theme earnings are software or services receipts. The RBI purpose code list describes P0807 as "Off site software exports" and P0802 as "Software consultancy/implementation (other than those covered in SOFTEX form)". Referral commissions may need a different code. Confirm the code with your AD bank. See P0807 purpose code.
• EDF and realisation: From 1 October 2026 the EDF replaces SOFTEX, per A.P. (DIR Series) Circular No. 20. Goods exporters file the EDF at export, and services exporters within 30 days of the invoice month end, under the 2026 regulations. Realisation is due in nine months, or twelve if invoiced in rupees, per the 22 September 2026 amendment. See EDF form for exports.

• Provider not active: A provider may need you to submit and verify your bank account before your store can complete transactions, per Shopify help on third-party providers. Only the store owner can add a provider. Finish the provider's KYC, then activate it again from Settings, then Payments.
• PayPal INR blocked: Merchants using PayPal Express Checkout in India cannot receive domestic INR payments from other PayPal users, and the integration supports purchases in USD, per Shopify's PayPal for India page. Price PayPal orders in US dollars and use your card provider for domestic buyers.
• Partner payout held: Hyperwallet holds or fails a payout above the method's limit. General limits are $100K for PayPal, $500K for Bank Account and $5M for Wire Transfer, and some countries and currencies have lower limits, per Shopify help on payout methods. Shopify then emails you to change the payout method.
• Failed payout: Shopify says a failed Partner payout can be retried after you verify your payment details and the transaction limits, per Shopify help on managing payouts. Hyperwallet also holds payouts when payout method details are incorrect. If a payout keeps failing, check with your bank before contacting Shopify Support.
• Below minimum: Shopify pays Partners only once earnings reach $25 USD, and first referral earnings carry a 30-day hold after the merchant pays its first bill, per Shopify help on getting paid. Earnings below the minimum carry forward to a later payout date.

Rules and rails are linked to official sources below with the dates they were checked. Platform figures come from each platform's own pages, checked on 30 Sept 2026 or later, and RBI authorisation was checked against RBI's published list. Rates are XE live mid-market rates, dated 4 Nov 2026. The method is on the methodology page.

1. Shopify Help: Shopify Payments supported countries, India is not listed. 'If your country isn't listed, or if Shopify Payments doesn't support your business category, then you need to use a third-party payment provider.' (checked 8 Oct 2026)
2. Shopify India pricing, Third-party payment provider fees: Basic 2%, Grow 1%, Advanced 0.6%, Plus 0.2%. 'Third-party transaction fees may apply when you use a third-party payment provider (instead of Shopify Payments). The rate depends on your plan.' (checked 8 Oct 2026)
3. Shopify Help: Third-party payment providers, Over 100 providers; 'Third-party transaction fees apply to all transactions processed through third-party and alternate payment gateways, even when Shopify Payments is activated.' 'However, if you elect to use Shopify Payments as your primary payment provider, then PayPal transactions are exempt from third-party transaction fees.' (checked 8 Oct 2026)
4. Shopify Help: Activating a third-party payment provider, Settings > Payments > Choose a provider (where Shopify Payments is unavailable); enter credentials; Activate; Save. Only the store owner can add a payment provider. You may need to submit and verify bank account information with the provider. Only one credit card payment provider can be active at a time. (checked 8 Oct 2026)
5. Shopify Help: Set up PayPal, From Shopify admin go to Settings > Payments; in Additional payment methods click Setup incomplete next to PayPal; link a business account. (checked 8 Oct 2026)
6. Shopify Help: PayPal Express Checkout for India, Supports purchases made in USD; merchants can't receive domestic INR payments from other PayPal users; complete KYC; grant permissions to refund or manually capture payments; only the store owner can edit PayPal Express information. (checked 8 Oct 2026)
7. Shopify Help: Getting paid as a Shopify Partner, Payments delivered through Hyperwallet; $25 minimum, balances below held to next period; accrual 1st-10th paid 5 business days after the 15th, 11th to 5th-last day paid 5 business days after month end, last 5 days paid 5 business days after the 15th of the following month; 30-day hold on first-time earnings for each new referral; taxes on fees or commissions vary with tax information in Partner Account settings. (checked 8 Oct 2026)
8. Shopify Help: Manage your payout method (Partners), PayPal, Bank Account and Wire Transfer depending on location and currency; payouts issued in USD; Hyperwallet currency conversion fee 0.50% of payout; limits PayPal $100K, Bank Account $500K, Wire Transfer $5M; identity verification in some countries. Some limits may be lower by country or currency. Virtual bank accounts, such as Payoneer, aren't supported for Partner payouts. (checked 8 Oct 2026)
9. Shopify Help: Manage your payouts (Partners), Failed payouts can be retried after verifying payment details and transaction limits; contact your financial institution before Shopify Support. (checked 8 Oct 2026)
10. Shopify Help: Navigating GST, SST, and VAT for Shopify billing in India, Malaysia, Singapore, and Thailand, If your store is located in India, then you're charged GST on your Shopify fees. To be exempted from GST, you need to provide your GSTIN. Exemptions apply only to invoices issued after you submit your GSTIN; earlier charges can't be reversed or refunded. (checked 8 Oct 2026)
11. Shopify Dev: Shopify App Store revenue share, Keep 100% of first $1,000,000 USD gross app revenue earned from 1 Jan 2025 and 85% above; one-time $19 USD registration; all billing subject to 2.9% processing fee and applicable sales tax. (checked 8 Oct 2026)
12. IRS: About Form W-8 BEN, Give Form W-8 BEN to the withholding agent or payer if you are a foreign person, when requested. (checked 8 Oct 2026)
13. Foreign Exchange Management (Export and Import of Goods and Services) Regulations, 2026, Notification No. FEMA 23(R)/2026-RB, Reg 3(1): goods exporter furnishes EDF at the time of export. Reg 3(2): services EDF within 30 days of the end of the invoice month. (checked 8 Oct 2026)
14. Foreign Exchange Management (Export and Import of Goods and Services) (Amendment) Regulations, 2026, Notification No. FEMA 23(R)/(1)/2026-RB (22 September 2026), Regulation 5(1): realisation period nine months; twelve months for INR invoicing or settlement. (checked 8 Oct 2026)
15. RBI A.P. (DIR Series) Circular No. 20, RBI/2025-26/194 (16 January 2026), Supersedes the Master Directions on export and import and the SOFTEX circulars from 1 October 2026. (checked 8 Oct 2026)
16. RBI A.P. (DIR Series) Circular No. 84 (2012), FETERS purpose codes for receipts, P0103 Advance receipts against export contracts (export of goods only); P0104 Receipts against export of goods not covered by the GR/PP/SOFTEX/EC copy of shipping bill etc.; P0802 Software consultancy/implementation (other than those covered in SOFTEX form); P0807 Off site software exports. (checked 8 Oct 2026)
17. Integrated Goods and Services Tax Act, 2017, section 16: Zero rated supply, Section 16(1)(a): export of goods or services is a zero rated supply. (checked 8 Oct 2026)
18. Central Goods and Services Tax Rules, 2017, Rule 96A, Export without payment of integrated tax under a bond or Letter of Undertaking in FORM GST RFD-11. (checked 8 Oct 2026)
19. Income Tax Department: Objective and scope of the new Act (Income-tax Act, 2025) FAQs, 1961 Act repealed on 01.04.2026; repeal does not disturb tax years before 1 April 2026; example given: TDS section 194C of old Act corresponds to section 393; presumptive schemes under 44AD, 44ADA and 44AE consolidated into section 58. (checked 8 Oct 2026)