Shopify Fee Calculator

Shopify's payment fee depends on your plan and your gateway choice

If you use Shopify Payments (Shopify's own built-in processor), your online card rate is set by your subscription plan: 2.9% + $0.30 on the Basic plan, 2.6% + $0.30 on the Shopify plan, and 2.4% + $0.30 on Advanced -- higher-tier plans trade a larger monthly subscription cost for a lower per-transaction rate, which pays off once your sales volume is high enough.

If you instead use a third-party payment gateway (like PayPal or a regional processor) rather than Shopify Payments, Shopify charges an additional transaction fee on top of whatever that gateway itself charges you -- generally 2% on Basic, 1% on Shopify, and 0.6% on Advanced. This extra fee is Shopify's way of pricing in the payment processing revenue it doesn't earn when you route around Shopify Payments.

For most US sellers, using Shopify Payments avoids this extra fee entirely and is simpler to reconcile, but a seller with a strong existing relationship or negotiated rate with another processor should compare the two total costs -- gateway fee alone vs. Shopify Payments' blended rate -- before deciding.

Where these numbers come from

The formulas and default values in this calculator are based on:

• Shopify's publicly published pricing for 2025-2026: Shopify Payments online rates of 2.9% + $0.30 (Basic), 2.6% + $0.30 (Shopify), 2.4% + $0.30 (Advanced)
• additional third-party payment gateway transaction fees of approximately 2% (Basic), 1% (Shopify), 0.6% (Advanced) when not using Shopify Payments. Note: Shopify periodically adjusts plan names, pricing and included features
• confirm your plan's current rate in your Shopify admin billing settings

Platform fee schedules change. These are planning estimates based on the most recently published rates -- always confirm the current fee schedule on the platform itself before relying on the exact number for a real payout.