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.

Visit Official Shopify Payments Website

Shopify Payments - Basic (Online)

2.9% + $0.30

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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 rates starting at 2.9% + 30¢ for online transactions on 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 (0.6%–2% extra, by plan). 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) offers 2.7% + 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. Those online rates are for standard cards; premium cards (business-tier cards and all American Express) cost more. Using Shopify Payments eliminates the 0.6%–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%
Premium Cards (online): 3.5% Basic / 3.3% Grow / 3.1% Advanced, + 30¢
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 0.6%–2% additional transaction fee. This saves $6-$20 per $1,000 in sales.

Upgrade Your Plan

Lower online rates pay for a dearer plan only at volume: Basic to Grow from about $33,000 a month in online card sales, Grow to Advanced from about $147,000.

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 0.6%–2% transaction fee
✓Seamless Integration: Built directly into Shopify admin, with no external accounts or extra setup required
✓Lower Rates on Higher Plans: Advanced plan gets 2.5% + 30¢ online, 0.4 points under Basic
✓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, so you are tied to their platform
✗Country Restrictions: Available in only 20 countries, limiting international sellers in many regions
✗Highest Rate on Basic: At 2.9% + 30¢ online, Basic pays the most per sale of the three plans; compare Stripe and Square on their own calculators
✗Account Holds: Like PayPal, Shopify can hold funds during fraud reviews, freezing your working capital
✗Requires Monthly Plan: Must pay $39-$399/month (billed monthly) for a 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: the third-party transaction fee alone is most of what Shopify Payments charges.

Real Example: $10,000 Monthly Sales (100 orders of $100)

Option 1: Shopify Payments (Basic Plan)

• Processing fee: 2.9% + 100 × $0.30 = $320.00
• Transaction fee: $0
• Total: $320.00/month

Option 2: A third-party provider (with Shopify)

• Provider's processing fee: its own rate (see our PayPal or Stripe calculator)
• Shopify transaction fee: 2% = $200.00
• Total: $200.00/month plus the provider's fee

The provider would have to charge under $120.00 a month on those sales for Option 2 to cost less: $200.00 of Shopify's fee is already spent before it charges anything.

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 $33,000/month online
Grow	$105	2.7% + 30¢	2.5% + 10¢	$33,000-$147,000/month online
Advanced	$399	2.5% + 30¢	2.4% + 10¢	$147,000+ monthly online volume

Upgrade Break-Even Calculator:

• Basic to Grow: Worth it at ~$33,000/month in online card sales (save $66 on fees vs. $66 higher monthly cost)
• Grow to Advanced: Worth it at ~$147,000/month in online card sales (save $294 on fees vs. $294 higher monthly cost)

Pro tip: Run the numbers with our calculator above. Below these thresholds an upgrade costs more in subscription than it saves in fees, so upgrade earlier only for the features. Prices are with monthly billing; yearly billing ($29, $79 and $299 a month) lowers the thresholds.

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 (0.6%–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 different rates based on your plan. 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 plan ($399/mo): 2.5% + 30¢ online, 2.4% + 10¢ in-person. Premium cards (business cards and all American Express) cost more online: 3.5% on Basic, 3.3% on Grow, 3.1% on Advanced, plus 30¢. International cards add 1% to the online rate.

Does Shopify charge transaction fees?

Shopify doesn't charge additional transaction fees when you use Shopify Payments. If you use a third-party payment provider instead, Shopify adds its own transaction fee of 2% on Basic, 1% on Grow, 0.6% on Advanced, on top of that provider's processing fees.

What are Shopify international payment fees?

A card issued outside the US adds 1% to your plan's online rate: 3.9% + 30¢ on Basic, 3.7% + 30¢ on Grow, 3.5% + 30¢ on Advanced. If the sale is also converted from the buyer's currency, Shopify charges a 1.5% currency conversion fee on top, so an international, converted sale on Basic costs 5.4% + 30¢.

Is Shopify Payments cheaper than a third-party payment provider?

Yes, unless that provider's own fee is very small. A third-party provider charges its own processing fee and Shopify adds its transaction fee on top: 2% on Basic, so $2.00 on a $100 sale before the provider charges anything. Shopify Payments costs $3.20 all-in on that sale (2.9% + 30¢), so the provider would have to charge less than $1.20 on it to come out ahead.

Last Updated: Fees checked October 2026 against Shopify's US pricing | Shopify Payments fees vary by plan and location. Please verify current rates on the official Shopify website.