Shopify Fee Calculator

Enter your transaction amount. See your exact Shopify Payments fee and net take-home across every plan — Starter, Basic, Shopify, and Advanced — plus the third-party-gateway penalty, using current 2026 rates.

No sign-up. No email. Nothing stored. Rates current as of April 2026.

Calculate your fee
$
Gross transaction $100.00
Shopify fee (2.9% + $0.30) −$3.20
You receive $96.80
Basic plan · online: 2.9% + $0.30 per successful charge. Plus $39/mo subscription.
Quick reference — Basic plan online
Transaction Shopify fee You keep
Assumes Shopify Payments on Basic plan at 2.9% + $0.30. Monthly subscription ($39) not included in this table.

How Shopify fees actually work

Shopify is different from Stripe, Square, and PayPal — it's not just a payment processor. It's a full e-commerce platform (storefront, checkout, inventory, themes, apps), and the payment processing is just one piece. So your total cost has two parts:

  1. A flat monthly subscription — $5 (Starter), $39 (Basic), $105 (Shopify), or $399 (Advanced).
  2. Per-transaction fees — varies by plan and payment type, same formula as every other processor: fee = (amount × rate%) + fixed

On Shopify Payments (their built-in processor), a $100 online sale on the Basic plan costs $100 × 0.029 + $0.30 = $3.20 — identical to Stripe. The plan upgrade to Shopify ($105/mo) drops the rate to 2.7% + $0.30, and Advanced ($399/mo) drops it to 2.5% + $0.30.

If you use a third-party gateway instead of Shopify Payments, Shopify charges an additional penalty on top of the gateway's own fee. For most merchants, using Shopify Payments is the right choice on pure cost.

Current Shopify plans & rates (2026)

Plan Monthly Online In-person Third-party gateway penalty
Starter $5 5% + $0.30 — n/a (no storefront)
Basic Shopify $39 2.9% + $0.30 2.7% +2.0%
Shopify $105 2.7% + $0.30 2.5% +1.0%
Advanced Shopify $399 2.5% + $0.30 2.4% +0.5%
Shopify Plus $2,300+ Custom (~2.15% + $0.30) Custom Negotiable
Heads up: These are the standard US rates. International cards add 1%, currency conversion adds 2%, and chargebacks cost $15 each (refunded if won). Enterprise Shopify Plus pricing is negotiable. Always verify at shopify.com/pricing.

When does upgrading your plan pay off?

The higher-tier plans cost more per month but have lower transaction fees. The math to see which plan is cheapest depends on your monthly processing volume. Rough break-even points on pure transaction cost:

Monthly volume Cheapest plan Why
Under $800/moStarter or BasicSubscription savings outweigh higher rate.
$800 – $10,000/moBasic ($39)Low subscription; 2.9% is fine at this volume.
$10,000 – $40,000/moShopify ($105)0.2% rate drop beats the extra $66/mo in subscription.
$40,000+/moAdvanced ($399)0.4% rate drop vs Basic easily beats $360/mo subscription gap.
$800,000+/moPlus (custom)Enterprise negotiation gets rates below 2.15%.

This only accounts for payment fees. The higher plans also unlock features (more staff, better reports, lower shipping rates, gift cards, etc.) — factor those in separately.

Worked examples — Basic plan

Shopify's fixed $0.30 has the same effect as Stripe's — it punishes small transactions. If your average order value is under $20, consider whether you actually need a full Shopify plan vs. Starter or a lighter tool.

Gross Online fee (Basic) You keep Effective rate
$5.00$0.45$4.559.00%
$10.00$0.59$9.415.90%
$25.00$1.03$23.974.12%
$50.00$1.75$48.253.50%
$100.00$3.20$96.803.20%
$500.00$14.80$485.202.96%
$1,000.00$29.30$970.702.93%
$5,000.00$145.30$4,854.702.91%

Hidden Shopify costs most guides miss

  • Monthly subscription is real money. On Basic ($39/mo), you need to process at least ~$1,350/month in online card sales just to break even vs. a free Stripe account (ignoring Shopify's storefront value). Factor in the platform benefits — it's usually worth it for real stores — but know the floor.
  • Third-party gateway penalty stacks. If you process via Stripe through Shopify instead of using Shopify Payments, you pay Stripe's 2.9% + $0.30 plus Shopify's 2% Basic-plan penalty. That's effectively 4.9% + $0.30 — dramatically higher than either alone.
  • Apps add up fast. Shopify's app ecosystem is a major reason people pick it, but the monthly fees for SEO, reviews, email, subscription management, tax, analytics, and loyalty apps routinely total $100–$500/month for real merchants.
  • Theme costs. Free themes work but most serious stores spend $200–$400 on a premium theme (one-time). Custom theme dev is $2k–$20k.
  • Transaction fees for Starter ($5/mo). The cheapest plan has the highest per-transaction rate (5% + $0.30). For social-only selling with very low volume it's fine. For a real store, jump to Basic.
  • Currency conversion. Shopify adds 2% on top when converting currencies — in line with Stripe but worth noting for international merchants.
  • Chargeback fee: $15. Same as Stripe, lower than PayPal. Refunded if you win the dispute.
  • Shipping, sales tax, fraud protection. Shopify Shipping can save 20%+ on USPS/UPS/DHL rates if you use it, and Shopify has a built-in tax engine. These are benefits, not hidden costs, but worth knowing.

The calculator above focuses on payment processing. For the full "cost of Shopify" picture, model in your subscription, apps, and chargebacks separately.

Shopify vs Stripe vs Square vs PayPal fees

Shopify Payments matches Stripe and Square on Basic-plan online rates (2.9% + $0.30) but you're paying for the whole platform on top. If you only need processing, Stripe is cheaper; if you need a real storefront, Shopify's bundled pricing is typically worth it.

Stripe

2.9% + $0.30 · US card
Calculate Stripe fees →

Square

2.6% + $0.10 · in-person
Calculate Square fees →

PayPal

3.49% + $0.49 · Checkout
Calculate PayPal fees →

Shopify

2.9% + $0.30 · Basic · Online
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Head-to-head

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Ready to launch a Shopify store?

Shopify gives you a full storefront, checkout, inventory, and payment processing in one. Free trial, no credit card required. If you want an online store (not just a processor), start here.

Start a free Shopify trial Consider Square Consider PayPal Stripe pricing (direct)

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Frequently asked questions

What are Shopify's transaction fees in 2026?
On Shopify Payments: Basic is 2.9% + $0.30 online and 2.7% in-person, Shopify is 2.7% + $0.30 online and 2.5% in-person, and Advanced is 2.5% + $0.30 online and 2.4% in-person. Shopify Starter is 5% + $0.30 online. These are in addition to the monthly subscription.
What's the third-party gateway penalty?
If you use a non-Shopify-Payments gateway (e.g. Stripe, Authorize.net), Shopify adds an extra transaction fee: 2% on Basic, 1% on Shopify, 0.5% on Advanced. This stacks on top of the gateway's own processing fee, making third-party gateways meaningfully more expensive than Shopify Payments for most merchants.
Does Shopify charge chargeback fees?
Yes — $15 per chargeback. Refunded if you win the dispute. Same as Stripe, lower than PayPal's $20, and higher than Square's $0.
Is Shopify cheaper than Stripe?
On pure per-transaction cost, Shopify Payments on Basic matches Stripe exactly (2.9% + $0.30). Higher Shopify plans are cheaper per-transaction, but you're paying a monthly subscription. If you only need payment processing, Stripe is cheaper. If you need a full storefront, Shopify's bundle is usually worth it.
When should I upgrade from Basic to Shopify or Advanced?
Rough break-even on pure transaction cost: upgrade to Shopify ($105/mo) around $10,000+/month in online sales, and to Advanced ($399/mo) around $40,000+/month. But higher plans also unlock features (more staff accounts, advanced reports, lower shipping rates, gift cards), so factor those in.
Is this calculator affiliated with Shopify?
netfee.io participates in Shopify's affiliate program. If you click through and sign up for Shopify from this page, we may earn a commission at no additional cost to you. This doesn't influence the rates we publish — we show the same numbers whether Shopify has an affiliate program or not.