What are Shopify Payments fees in 2026?

Online card rates for the US: Basic 2.9% + $0.30, Shopify 2.6% + $0.30, Advanced 2.4% + $0.30, Shopify Plus 2.15% + $0.30. In-person (POS) rates are lower: Basic 2.7%, Shopify 2.5%, Advanced 2.4%, Plus 2.15%. American Express and international cards add ~1% in many regions.

How do Shopify Payments fees vary by country?

Rates differ by country. UK: 1.5% + 25p (Basic) to 1.4% + 25p (Plus) for domestic Visa/Mastercard. Canada: 2.9% + $0 (Basic) to 2.4% + $0 (Advanced). Australia: 1.75% (Basic) to 1.4% (Plus). EU: 1.7% + €0.25 (Basic) to 1.4% + €0.25 (Plus). Use the calculator's country selector for exact local rates.

Shopify Payments vs 3rd-party gateway fees

Using a third-party payment gateway (PayPal Standard, Stripe outside Shopify Payments) on Shopify incurs an additional Shopify transaction fee: 2% on Basic, 1% on Shopify, 0.5% on Advanced, 0.15% on Plus. Using Shopify Payments natively eliminates this extra fee — that alone is often worth more than the plan upgrade.

When is it worth upgrading the Shopify plan?

Upgrade when monthly savings from lower processing rates exceed the plan price difference. Basic ($39) → Shopify ($105) saves 0.3% per transaction; the upgrade pays off at roughly $22,000/month in card volume. Shopify → Advanced ($399) saves another 0.2% and pays off around $147,000/month.

Does Shopify Payments work in all countries?

Available in the US, UK, Canada, Australia, New Zealand, Ireland, Netherlands, Germany, Italy, Spain, Belgium, Austria, Denmark, Czech Republic, Singapore, Hong Kong, Japan, and several others. Not available in many markets — sellers there must use a third-party gateway and pay the extra Shopify transaction fee.

Does Shop Pay charge extra?

No. Shop Pay (Shopify's accelerated checkout) is free for buyers and does not add fees on top of Shopify Payments processing rates. Shop Pay Installments uses Affirm and charges merchants a separate Affirm fee instead.

Shopify Payments Fees Calculator

Shopify Payments fees calculator for 2026 — calculate processing rates by plan (Basic 2.9% / Shopify 2.6% / Advanced 2.4%). FAQs cover country-specific rates, POS, Shop Pay, and 3rd-party gateway costs. Free.

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Sale Price ($)

Enter a sale price to see the fee breakdown.

Frequently asked questions

Shopify Payments Fees Calculator — 2026 Rates by Plan

Calculate exact Shopify Payments processing fees per US plan: Basic (2.9% + $0.30), Shopify (2.6% + $0.30), and Advanced (2.4% + $0.30). The FAQs below cover country-specific rates (UK, Canada, Australia, EU), in-person POS rates, Shop Pay costs, and the extra Shopify transaction fee that applies when using a 3rd-party gateway.

All Shopify plans

Basic, Shopify, Advanced — calculator switches between US online card rates per plan.

Plan comparison

See exactly how much you'd save per transaction by upgrading your Shopify plan.

Reference rates

FAQs document country-specific rates (UK, CA, AU, EU), POS rates, and 3rd-party-gateway extra fees.

Fee rates verified and updated May 2026. Rates may change — verify directly with the platform before transacting.

Example Calculations

Sale Price ($)	Total Fees	Your Net Earnings
$10.00	$0.59	$9.41
$50.00	$1.75	$48.25
$100.00	$3.20	$96.80
$500.00	$14.80	$485.20
$1,000.00	$29.30	$970.70

Based on default settings. Use the calculator above for your exact figures.