Free Shopify Payments Fee Calculator 2026
Enter a transaction amount to calculate Shopify Payments processing fees across all plan tiers. See your net payout and compare to Stripe and PayPal.
Sale Details
Your Costs
Net Profit
$28.25
Fees
$1.75
3.5%
Margin
56.5%
ROI
188.3%
Shopify Payments Fees
| Online Transaction Fee | $1.45 |
| Online Transaction (Flat) | $0.30 |
| Total | $1.75 |
Basic plan: 2.9% + $0.30 online, 2.6% + $0.10 in-person.Updated 2026-04-03
Shopify Payments at a Glance
| Monthly Fee | Requires Shopify plan ($39+/mo) |
| Payout Speed | 1–3 business days |
| Chargeback Fee | $15 |
| Currencies | 130+ currencies |
| Buyer Protection | Varies by card network |
| Contract | None (Shopify plan is month-to-month) |
Shopify Payments Fee Structure
Shopify Payments is the built-in payment processor for Shopify stores. Your rate depends on which Shopify plan you subscribe to. Using Shopify Payments eliminates the third-party gateway surcharge that Shopify adds when you use external processors like Stripe or PayPal.
| Payment Type | Fee |
|---|---|
| Basic Shopify — online | 2.9% + $0.30 |
| Shopify — online | 2.7% + $0.30 |
| Advanced Shopify — online | 2.4% + $0.30 |
| Basic Shopify — in-person | 2.7% + $0.00 |
| Shopify — in-person | 2.5% + $0.00 |
| Advanced Shopify — in-person | 2.4% + $0.00 |
| International cards | + 1.5% |
| Currency conversion | + 1.5% |
| Third-party gateway surcharge | 0.5% – 2.0% |
For a $100 online card payment on the Basic Shopify plan, Shopify Payments charges $3.20, leaving you with $96.80. Upgrading to the Advanced plan reduces that fee to $2.70. If you use a third-party gateway instead, Shopify adds a surcharge on top of whatever that gateway charges — making Shopify Payments the most cost-effective option for most Shopify merchants.
Shopify Payments vs Stripe vs PayPal
On the Basic Shopify plan, Shopify Payments matches Stripe's rate exactly at 2.9% + $0.30. However, upgrading your Shopify plan lowers your payment processing rate — something neither Stripe nor PayPal offer. On the Advanced plan, you pay just 2.4% + $0.30, saving $0.50 per $100 compared to Stripe. Keep in mind that using Stripe or PayPal on Shopify also triggers an additional third-party gateway surcharge of 0.5% to 2.0%, making external processors significantly more expensive for Shopify store owners.
Frequently Asked Questions
How much does Shopify Payments charge?
Shopify Payments charges between 2.4% + $0.30 and 2.9% + $0.30 for online transactions, depending on your Shopify plan. In-person rates range from 2.4% to 2.7% with no per-transaction flat fee. International cards add an extra 1.5%.
Is Shopify Payments cheaper than Stripe?
On the Basic plan, Shopify Payments matches Stripe at 2.9% + $0.30. On the Shopify plan it drops to 2.7% + $0.30, and on Advanced it is 2.4% + $0.30. Additionally, using Stripe on Shopify incurs a third-party gateway surcharge of 0.5% to 2.0%, making Shopify Payments the better deal for Shopify merchants.
What happens if I use a third-party gateway on Shopify?
If you use a payment gateway other than Shopify Payments, Shopify charges an additional surcharge: 2.0% on Basic, 1.0% on Shopify, and 0.5% on Advanced. This is on top of whatever the third-party gateway charges, which can make external processors significantly more expensive.