Shopify Payment Fees Calculator
Calculate Shopify Payments processing fees for your e-commerce store. See exact costs for online credit card transactions, in-person payments, and international sales before you process orders.
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Shopify Payments - Basic (Online) Fee Structure
Shopify Payments is Shopify's integrated payment processing solution, powering over 1.7 million active stores worldwide. Launched in 2013, Shopify Payments eliminates the need for third-party payment gateways, streamlining checkout and removing additional transaction fees. The service supports credit cards, debit cards, digital wallets (Apple Pay, Google Pay), and local payment methods in over 20 countries.
Shopify Payments offers competitive rates starting at 2.9% + 30¢ for online transactionson the Basic plan, with lower rates available on higher-tier plans. A key advantage is the elimination of additional transaction fees that Shopify charges when using third-party processors like PayPal or Stripe (0.5-2% extra). This makes Shopify Payments often the most cost-effective choice for Shopify store owners.
Our Shopify Payments fees calculator helps you understand your exact processing costs based on your plan and transaction volume. Whether you're running a small boutique or a high-volume store, calculate fees accurately to factor into your pricing strategy and profit margins.
How Shopify Payment Fees Are Calculated
Shopify Payments fees vary by plan level. The Basic plan ($39/month) charges 2.9% + 30¢ for online transactions and 2.6% + 10¢ for in-person payments. The Grow plan ($105/month) offers2.7% + 30¢ online and 2.5% + 10¢ in-person. Advanced plan ($399/month) has the lowest rates at 2.5% + 30¢ online and 2.4% + 10¢ in-person. Using Shopify Payments eliminates the 0.5-2% additional transaction fee charged for third-party processors.
Shopify Payment Fee Structure:
- Basic Plan ($39/mo): 2.9% + 30¢ online, 2.6% + 10¢ in-person
- Grow Plan ($105/mo): 2.7% + 30¢ online, 2.5% + 10¢ in-person
- Advanced ($399/mo): 2.5% + 30¢ online, 2.4% + 10¢ in-person
- International Cards: Additional 1%
- Currency Conversion: Additional 1.5%
- No Monthly Fees: Included with plan
Example Calculation:
Online sale of $100 (Basic Plan):
- • Sale amount: $100.00
- • Percentage fee: 2.9% = $2.90
- • Fixed fee: $0.30
- • Total Shopify fee: $3.20
- • Net amount received: $96.80
Tips to Reduce Shopify Payment Fees
Use Shopify Payments
Always use Shopify Payments instead of third-party processors to eliminate the 0.5-2% additional transaction fee. This saves $5-$20 per $1,000 in sales.
Upgrade Your Plan
If you process $5,000+ monthly, upgrading to a higher plan can save money through lower transaction rates despite higher monthly fees.
Accept Local Currency
Accept payments in your local currency to avoid the 1.5% currency conversion fee and offer better pricing to customers.
Shopify Payments Pros and Cons
Advantages
- ✓No Transaction Fees: Unlike third-party processors, Shopify Payments eliminates the extra 0.5-2% transaction fee
- ✓Seamless Integration: Built directly into Shopify admin—no external accounts or complicated setup required
- ✓Lower Rates on Higher Plans: Advanced plan gets 2.5% + 30¢, which beats PayPal and many competitors
- ✓Faster Payouts: 2-day payouts standard, with all sales data synced automatically to your dashboard
- ✓Fraud Protection: Built-in Shopify Protect covers eligible orders against fraud and chargebacks at no cost
✗Disadvantages
- ✗Only for Shopify: Can't use Shopify Payments outside the Shopify ecosystem—locked into their platform
- ✗Country Restrictions: Available in only 20 countries, limiting international sellers in many regions
- ✗Not Cheapest for Basic: At 2.9% + 30¢, Basic plan merchants pay same as Stripe but more than Square
- ✗Account Holds: Like PayPal, Shopify can hold funds during fraud reviews, freezing your working capital
- ✗Requires Monthly Plan: Must pay $39-$399/month for Shopify subscription to access Shopify Payments
Why Shopify Store Owners Choose Shopify Payments
Over 70% of Shopify merchants use Shopify Payments as their primary processor, and for good reason. The math is simple: avoiding the third-party transaction fee saves more money than switching to a slightly cheaper external processor.
Real Example: $10,000 Monthly Sales
Option 1: Shopify Payments (Basic Plan)
- • Processing fee: 2.9% + $30 = $320
- • Transaction fee: $0
- • Total: $320/month
Option 2: PayPal (with Shopify)
- • PayPal fee: 3.49% + $49 = $398
- • Shopify transaction fee: 2% = $200
- • Total: $598/month
Annual Savings with Shopify Payments: $3,336 — That's a significant amount that goes straight to your profit margin.
Which Shopify Plan Has the Best Payment Rates?
Shopify's tiered pricing rewards higher-volume sellers with lower processing fees. Here's how to determine if upgrading makes financial sense:
| Plan | Monthly Fee | Online Rate | In-Person Rate | Best For |
|---|---|---|---|---|
| Basic | $39 | 2.9% + 30¢ | 2.6% + 10¢ | New stores, under $5K/month |
| Grow | $105 | 2.7% + 30¢ | 2.5% + 10¢ | $5K-$20K/month sales |
| Advanced | $399 | 2.5% + 30¢ | 2.4% + 10¢ | $20K+ monthly volume |
Upgrade Break-Even Calculator:
- • Basic to Grow: Worth it at ~$6,600/month in sales (save $66 on fees vs. $66 higher monthly cost)
- • Grow to Advanced: Worth it at ~$24,500/month in sales (save $294 on fees vs. $294 higher monthly cost)
Pro tip: Run the numbers with our calculator above. If you're processing close to these thresholds, upgrading can save hundreds monthly while unlocking advanced reporting and features.
Shopify Payments vs. Third-Party Gateways
While Shopify Payments is often the best choice, some merchants need third-party processors for specific reasons. Here's when alternatives make sense:
Stick with Shopify Payments If:
- • You're in a supported country (US, Canada, UK, Australia, etc.)
- • Selling standard retail products (not high-risk)
- • Want simplest setup and unified reporting
- • Processing over $2,000/month (transaction fee adds up)
Consider Third-Party If:
- • PayPal: Customers specifically request it (offer as secondary option)
- • Stripe: Need advanced API features or sell in unsupported countries
- • Authorize.net: High-risk business or need traditional merchant account
- • Square: Selling equally online and in-person at markets/events
Important: If you use a third-party gateway, factor in Shopify's transaction fee (0.5-2% depending on plan). For most merchants, Shopify Payments saves money even if the processing rate is slightly higher than alternatives.
Frequently Asked Questions
How much does Shopify Payments charge?
Shopify Payments charges 2.9% + 30¢ per transaction for online credit card payments on the Basic plan. Rates decrease on higher plans: 2.7% + 30¢ (Shopify), 2.5% + 30¢ (Advanced), and 2.4% (Plus). In-person rates are 2.7% for Basic plan.
Does Shopify charge transaction fees?
Shopify doesn't charge additional transaction fees when you use Shopify Payments. However, using third-party processors like PayPal adds 0.5-2% transaction fees on top of processing fees.
What are Shopify international payment fees?
International credit cards incur an additional 1.5% fee. Currency conversion adds another 1.5%. Total international transactions can cost 5.9% + 30¢ on Basic plan.
Is Shopify Payments cheaper than PayPal?
Yes, Shopify Payments (2.9% + 30¢) is cheaper than PayPal (3.49% + 49¢). For a $100 sale, Shopify costs $3.20 versus PayPal's $3.98, saving $0.78 per transaction.
Last Updated: January 2026 | Shopify Payments fees vary by plan and location. Please verify current rates on the official Shopify website.