Tech
A Review Of Two Payment Gateway Giants – Shopify Payments And Amazon Pay
Shopify Payments and Amazon Pay are two of the most talked about payment gateways at present. Both of them provide solid features that retailers love. We’re going to outline the fundamentals of each payment gateway so you know where each stands.
Shopify Payments Payment Gateway
Powered by Stripe, Shopify Payments is a payment processor brought to you by Shopify. It’s created for Shopify merchants who have built an online store using Shopify. There are already over 100 different third-party payment gateways that are provided by Shopify and Shopify Payments is one of them. Shopify Payments is available for merchants in the US, Australia, UK, Spain, Canada, Singapore, Puerto Rico, Germany, Hong Kong, Ireland, New Zealand, and Japan. You need to comply with Shopify’s Acceptable Use Policy in order to be approved to use Shopify’s payment gateway.

Shopify Payments is provided by Shopify.
Fee Structure
When you opt for Shopify Payments payment gateway the rates are as follows. For users with Lite or Basic Shopify Plan, the processing rate is 2.9% and 30 cents when you make a sale online and 2.7% when you’re selling in person. People who have opted for $79 Shopify plan need to pay 2.6% and 30 cents for processing when selling in person. You need to pay a 2.5% processing fee when you’re selling in person. For people who have opted for the $299 Advanced Plan, they’re required to pay 2.4% processing rate when selling in person or online. You need to pay an addition of 30 cents when you’re selling online.
Pros
- When you use Shopify Payments payment gateway, you won’t need to pay transaction fees. It usually charges up to 0.5% transaction fees.
- Since Shopify Payments comes integrated, you don’t need to spend a lot of time setting it up in order to make a sale.
- If you’re on the $299 per month Shopify plan or $79 per month Shopify plan then you will save on payment processing.
- You can add Fraud Protect as a means to protect yourself from fraud when you sell online. You won’t manually need to check for verification and you can sell risk-free.
- Customers will be able to check out much faster as they can save all the shipping and billing-related information. This can help you increase sales as customers will have a better shopping experience.
- Chargebacks are easy and convenient with Shopify Payments as you can easily access the details from the dashboard and resolve in minutes.
- U.S. merchants have to wait for only two to three days in order to receive their payments which is great news.
Cons
- Fraud Protect is available for only a handful of merchants at present in the U.S. It’s not yet available to merchants outside of U.S.
- Shopify can withhold your funds if you’re found to have many chargebacks which can be problematic.
Amazon Pay Payment Gateway
Amazon Pay is a subsidiary of Amazon which was launched in 2007. This payment processor is provided to the sellers who sell on Amazon. Merchants in the U.S., EU, and Japan can use Amazon Pay payment gateway at present. You need to be physically established and operate in the country in order to be eligible to use Amazon Pay.

Amazon Pay is a subsidiary of Amazon.
Fee structure
Amazon Pay uses flat-rate fee structure making it easy for merchants. For mobile and web transactions, the processing fee is 2.9% and 30 cents for U.S. transactions. For other country transactions, the fee is 3.9% and 30 cents. For purchases that have been made through Alexa, the processing fee is 4.0% and 30 cents for U.S. transactions and 5.0% and 30 cents for cross-border transactions. Charitable organizations need to pay 2.2% and 30 cents processing fee for U.S. transactions and 3.2% and 30 cents processing fee for cross-border transactions.
Pros
- It’s easy and simple to use Amazon Pay payment gateway for the merchant as well as the customer making it a good option for retailers.
- Amazon Pay enables customers to save their billing and shipping information which leads to faster checkout. This can help increase customer satisfaction and can lead to an increase in sales.
- As Amazon is trusted by millions of people all over the globe, Amazon Pay has the advantage of being trustworthy.
- Amazon Pay comes with free fraud protection service that saves your business from any type of fraud transactions.
- You don’t need to sign a long-term contract when you choose Amazon Pay as your payment gateway. Moreover, there’s no termination fee if you want to cancel early.
Tech
AI in Placemaking: How ERA-co is Using Smarter Data to Build Better Cities
ERA-co is exploring new ways to apply AI in urban design, utilizing data-driven tools to support more thoughtful and responsive placemaking. Rather than replacing human insight, the firm sees artificial intelligence as a partner — one that can enhance how designers understand and shape the spaces where people live, move, and connect.
This approach isn’t about flashy tech or fully automated cities. It’s about asking better questions, revealing patterns we might otherwise miss, and using that knowledge to make decisions rooted in real-world behavior. For ERA-co, AI becomes most valuable when it helps clarify how a city works, layer by layer, so design teams can create places that are not only efficient but also livable and meaningful.
Understanding complexity before optimization
Before talking about smart tools or predictions, ERA-co begins with a foundational question: “What kind of problem is a city?” Nicolas Palominos, Head of Urban Design and Strategy R&D at ERA-co, references the work of Jane Jacobs to frame this.
“As Jacobs reminds us, cities exhibit complex system behavior, where multiple elements vary simultaneously, in subtle interconnected ways,” Palominos explains. “AI can augment our understanding of these parameters to design better places with optimized social benefit.”
According to Palominos, that kind of social benefit can take many forms. It might involve modeling a housing system that supports proximity-based living, such as the concept of the “15-minute city,” or applying predictive analytics to anticipate and respond to events like floods, heatwaves, or infrastructure failures.
ERA-co doesn’t use AI to chase efficiency for its own sake. Instead, the firm uses it to gain a more comprehensive understanding and a clearer picture of a place’s behavior.
Data that matches people, not just places
Not all data is created equal. When it comes to placemaking, ERA-co prioritizes what Palominos calls “spatial and temporal granularity,” which entails not only examining how a space functions on a map but also understanding how people interact with it over time — from hour to hour, and season to season.
“The most valuable data are those with the greatest spatial and temporal granularity for observing people and urban environments,” Palominos says. “Video footage, mobile data, street view imagery, and satellite imagery enable a deeper understanding of how different groups of people perceive and use public space.”
One recent ERA-co proof-of-concept used AI to assess how people visually perceive streetscapes, analyzing elements like enclosure, complexity, and human scale. These insights informed more nuanced design strategies that align with local behaviors, not just abstract zoning plans.
This level of detail matters because even small design shifts can have ripple effects on how people move, feel, and gather. With AI, ERA-co isn’t just tracking patterns but learning from them.
ERA-co’s AI mobility work: Subtle shifts, broader benefits
Some of the clearest applications of AI can be seen in mobility — how people and goods move through cities. It’s here that ERA-co sees measurable gains in both function and experience.
“AI-driven fleet optimization balances supply and demand in bus services and bike-share systems,” Palominos says. “On the consumer side, it streamlines courier and delivery services through route optimization.”
These systems don’t operate in isolation. When they’re better coordinated, they can relieve pressure on road networks, reduce congestion, and lower energy use. But what makes ERA-co’s approach different is that it doesn’t stop at logistics. It examines how those systems impact the daily lives of people who live in and move through a place.
The limits of AI and the role of design judgment
As much as AI can help us see more, ERA-co is careful not to let it make the final call. Cities are more than just systems — they’re layered with memory, identity, and human connection. And not everything meaningful can be measured.
“There have been cases where AI insights pointed us in one direction, but human judgment and cultural understanding led us another way,” Palominos notes.
Sometimes a place functions well on paper, but feels hollow in practice. Other times, a community gathering space might disrupt traffic flow, yet provide invaluable support for social well-being.
This is where design intuition becomes critical. ERA-co uses AI to inform, not dictate, the design process.
Planning for a future in flux
Looking ahead, ERA-co sees AI playing a growing role in helping cities adapt — not just to top physical threats like climate change, but also to slower, less visible shifts in how people live and connect.
“AI will amplify our understanding of how cities function through enhanced spatial representation and analysis, informing better human decision-making,” Palominos says. He references recent findings (like an MIT study showing people walk faster and linger less in public spaces) as examples of trends that would have been hard to anticipate without AI.
Still, the goal isn’t to automate responses to those behaviors. It’s using those insights to reimagine what kinds of public spaces people may need in the future, especially as patterns of connection and isolation shift.
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