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.
Shopify Payments Fee Calculator
Shopify Payments Fee Structure:
- • Fixed fee: $0.30
- • Percentage fee: 2.9%
- • Minimum fee: $0.30
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 charges 2.9% + 30¢ for online transactions and 2.7% for in-person payments. Advanced plans have lower rates, with Shopify Plus offering the best rates at 2.4% online and 2.4% in-person. Using Shopify Payments eliminates the 0.5-2% additional transaction fee charged for third-party processors.
Shopify Payment Fee Structure:
- Basic Plan: 2.9% + 30¢ online, 2.7% in-person
- Shopify Plan: 2.7% + 30¢ online, 2.6% in-person
- Advanced: 2.5% + 30¢ online, 2.4% in-person
- Plus: 2.4% online, 2.4% in-person
- International Cards: Additional 1.5%
- Currency Conversion: Additional 1.5%
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.
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: October 2025 | Shopify Payments fees vary by plan and location. Please verify current rates on the official Shopify website.