Credit Card Shopify Apps — Full Market Share Table
All tracked credit card Shopify apps ranked by current install share, with change vs 30 days ago and Leader / Climbing / Declining / Stable status — filterable by country and date range.
| # | App | Market Share | Change | Status |
|---|---|---|---|---|
| 1 |  SMART Checkout Rules & Upsells | 72.00% | 13.89 | Climbing |
| 2 |  Upcharge Surcharge Fee Tariff | 20.25% | 5.88 | Declining |
| 3 |  Magical Surcharge + Extra Fees | 4.42% | 1.44 | Climbing |
| 4 |  SPD Split Payment & Deposit | 1.50% | 0.61 | Declining |
| 5 |  VOL ‑ Surcharge & Product Fees | 1.34% | 0.41 | Climbing |
| 6 |  Lexware Office (lexoffice) | 0.20% | 0.03 | Climbing |
| 7 |  Bony Extra Fees & Surcharges | 0.14% | 0.10 | Climbing |
| 8 |  Beacon Fraud Prevention | 0.09% | 0.05 | Climbing |
| 9 |  Shopify Bill Pay | 0.02% | 0.02 | Declining |
| 10 |  Chargeback Dispute Specialist | 0.02% | 0.01 | Climbing |
Showing 1-10 out of 24
Key Insights:
- SMART Checkout Rules & Upsells holds 72.0% share of credit card app installs — 51.8pp ahead of Upcharge Surcharge Fee Tariff (20.3%).
- Top 3 apps (SMART Checkout Rules & Upsells, Upcharge Surcharge Fee Tariff, Magical Surcharge + Extra Fees) account for 96.7% of all credit card install share — a competitive market.
- SMART Checkout Rules & Upsells is gaining share fastest this month (+13.89pp) — the largest single gainer among the top credit card apps by share.
- Upcharge Surcharge Fee Tariff is losing share fastest (-5.88pp) — could indicate a churning user base or a stronger challenger gaining ground.
Credit Card Shopify Apps — Market Share Over Time
Monthly market share trajectory for the top 5 credit card Shopify apps over the past year — see who's gaining or losing install share month by month.
Charts Data
| App | May 2026 | Jun 2026 | Jul 2026 | Aug 2026 | Sep 2026 | Oct 2026 |
|---|---|---|---|---|---|---|
| SMART Checkout Rules & Upsells | 85.5%2.21 | 81.6%3.87 | 81.4%0.17 | 59.9%21.55 | 57.8%2.13 | 72.0%14.25 |
| Upcharge Surcharge Fee Tariff | 0.7%1.16 | 9.1%8.46 | 8.7%0.46 | 27.1%18.42 | 26.2%0.85 | 20.3%5.99 |
| Magical Surcharge + Extra Fees | 1.7%1.24 | 0.3%1.45 | 0.4%0.11 | 1.0%0.63 | 3.1%2.07 | 4.4%1.32 |
| SPD Split Payment & Deposit | 7.3%1.69 | 4.2%3.15 | 3.7%0.49 | 2.6%1.07 | 2.1%0.55 | 1.5%0.59 |
| VOL ‑ Surcharge & Product Fees | 0.1%0.05 | 0.1%0.02 | 0.1%0.02 | 0.2%0.11 | 0.9%0.72 | 1.3%0.40 |
Key Insights:
- SMART Checkout Rules & Upsells's share contracted from 76.4% → 72.0% over the charted period.
- Of the top 5 tracked credit card apps, 3 grew share and 2 lost share — challengers are eating into leader's share.
Top Credit Card Shopify Apps by Country
Per-country market share rankings for credit card Shopify apps across 5 markets — see which apps lead in each country and where regional leaders diverge from the global leader.
| # | Worldwide |  United States |  India |  China |  United Kingdom |
|---|---|---|---|---|---|
| 1 | SMART Checkout Rules & Upsells | SMART Checkout Rules & Upsells | SMART Checkout Rules & Upsells | SMART Checkout Rules & Upsells | SMART Checkout Rules & Upsells |
| 2 | Upcharge Surcharge Fee Tariff | Upcharge Surcharge Fee Tariff | Bony Extra Fees & Surcharges | VOL ‑ Surcharge & Product Fees | Upcharge Surcharge Fee Tariff |
| 3 | Magical Surcharge + Extra Fees | Magical Surcharge + Extra Fees |  Oak Prepaid Discount | Upcharge Surcharge Fee Tariff | Magical Surcharge + Extra Fees |
| 4 | SPD Split Payment & Deposit | SPD Split Payment & Deposit |  Supercycle | Magical Surcharge + Extra Fees | VOL ‑ Surcharge & Product Fees |
| 5 | VOL ‑ Surcharge & Product Fees | VOL ‑ Surcharge & Product Fees | Upcharge Surcharge Fee Tariff |  Paymentwall ‑ Credit Cards | SPD Split Payment & Deposit |
Key Insights:
- SMART Checkout Rules & Upsells leads credit card apps in all 4 tracked markets — United States, India, China, United Kingdom.
Top 5 Apps in Credit Card
- Upcharge Surcharge Fee Tariff — Leads credit card apps with 20.3% install share, rated 4.7★ — losing share this month.
- SMART Checkout Rules & Upsells — Holds 72.0% of credit card app install share, rated 5.0★ — gaining share this month.
- Magical Surcharge + Extra Fees — Holds 4.4% of credit card app install share, rated 4.9★ — gaining share this month.
- Paymentwall ‑ Credit Cards — Holds 0 of credit card app install share.
- SPD Split Payment & Deposit — Holds 1.5% of credit card app install share, rated 4.8★ — losing share this month.
Credit Card Shopify Apps — Frequently Asked Questions
1. Which credit card app has the highest market share on Shopify?
SMART Checkout Rules & Upsells currently holds the highest market share for credit card apps at 72.0%, but the category is competitive — Upcharge Surcharge Fee Tariff is close behind at 20.3%. The right choice depends on your specific store needs.
2. How is market share calculated for credit card Shopify apps?
For credit card (a keyword page), market share is rank-weighted — apps at position #1 carry roughly 40× the weight of apps at position #22, and apps beyond #22 are excluded. Each app's weighted score is divided by the total weighted score across the keyword to give the share %. This reflects Shopify search behaviour: most installs come from the top of the results.
3. Which credit card apps are gaining market share on Shopify?
SMART Checkout Rules & Upsells is gaining credit card app market share fastest this month, up +13.89pp versus 30 days ago. Switch the table sub-tab to "Market Share Changes" to see all gainers ordered by movement.
4. Which credit card apps are losing market share on Shopify?
Upcharge Surcharge Fee Tariff has lost the most market share this month among credit card apps (-5.88pp). Sort the table by Change (Low to High) to see the full list of decliners.
5. Which countries drive the most credit card Shopify app installs?
United States drives the largest share of credit card app installs at 24.5%, followed by Australia at 7.0% and Canada at 6.7%. Use the country picker on the third card to compare market leaders by country.
6. How many credit card apps does ShopDigest track on Shopify?
ShopDigest tracks 96 credit card apps on the Shopify App Store. Market share, rankings, and review data refresh weekly so you can track competitive shifts as they happen.
7. Why does the highest-share credit card app differ from the #1 ranked app?
Rank reflects an app's current position in the Shopify App Store under credit card (driven by Shopify's own algorithm), while market share on ShopDigest is estimated from review counts and other factors as a proxy for active installs. The two metrics move on independent dynamics, so the highest-share app and the #1-ranked app are not always the same — and a divergence between them is worth noting rather than assuming one will pull the other along. For credit card, SMART Checkout Rules & Upsells leads on share; see the rankings tab for who currently holds #1 position.
