Shopify Payments vs 3rd Party Gateway Fees

Using a third-party payment gateway (like PayPal or Stripe) on Shopify incurs an additional transaction fee: 2% on Basic, 1% on Shopify, 0.5% on Advanced. Using Shopify Payments eliminates this extra fee.

When is it worth upgrading to a higher Shopify plan?

Upgrade when monthly savings from lower processing rates exceed the plan price difference. For example, going from Basic to Shopify saves 0.3% per transaction — at $35,000/month volume, that saves $105/month, matching the $66/month plan price increase.

Does Shopify Payments work in all countries?

Shopify Payments is available in the US, UK, Canada, Australia, and several European countries. It's not available in all markets.

Shopify Payments Fee Calculator

Calculate Shopify Payments credit card processing fees for Basic, Shopify, and Advanced plans. See which plan saves you more. Free calculator.

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Sale Price ($)

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Frequently asked questions

Shopify Payments Fee Calculator — 2026

Calculate per-transaction processing fees for each Shopify plan. Select your plan to see the rate and net amount after fees.

All three plans

Basic (2.9%), Shopify (2.6%), Advanced (2.4%) — all with $0.30 fixed fee.

Plan comparison

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

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