Shopify Payments Fee Calculator
Shopify Payments online rates in the US start at 2.9% + $0.30 on Basic, then Grow 2.7% + $0.30, Advanced 2.5% + $0.30, and Plus 2.25% + $0.30. If you use a third-party gateway, Shopify may add an extra percentage on top of that gateway’s fees.
Not financial advice. These calculators use published fee schedules with last-verified dates. Providers change rates and apply custom pricing — confirm on the official provider site before setting prices or filing taxes. This site is not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise.
Shopify Payments online rates by plan (US baseline).
Key takeaways
- Default schedule (Basic plan – online): 2.90% + 0.30 USD
- On $100.00 charged: fee $3.20, net $96.80
- To receive $100.00: charge about $103.30
How to use this Shopify Payments fee calculator
- Select Basic, Grow, Advanced, Plus, or third-party gateway add-on.
- Calculate fees on an order total or reverse to a margin target.
- Remember subscription plan costs are separate from card rates.
How it’s calculated
Card fee = order × planPercent + fixed. Third-party add-on = order × gatewayPercent (plus the external processor’s own fees).
Worked check on the default schedule: charge $100.00 → fee $3.20 → net $96.80. Reverse: to keep $100.00, charge about $103.30.
Worked example: $120 order on Basic
Fee = 120 × 0.029 + 0.30 = $3.78; net from processing perspective ≈ $116.22 (before Shopify subscription).
Shopify Payments fee schedules we track
| Schedule | Percent | Fixed | Currency | Last verified | Source |
|---|---|---|---|---|---|
| Basic plan – online | 2.90% | 0.30 USD | USD | Official page | |
| Grow plan – online Formerly marketed as the “Shopify” plan; now Grow. | 2.70% | 0.30 USD | USD | Official page | |
| Advanced plan – online | 2.50% | 0.30 USD | USD | Official page | |
| Plus plan – online | 2.25% | 0.30 USD | USD | Official page | |
| Third-party gateway fee (Basic) Additional Shopify fee when not using Shopify Payments (plan-dependent). | 2.00% | 0.00 USD | USD | Official page |
Each row’s source link is the official page I checked on the date shown (RealFeeCalc-style “checked on pricing page” verification).
Tips for pricing with Shopify Payments
- In-person Shopify Payments rates differ from online — this tool focuses on online baselines.
- Negotiate or upgrade plans when card volume makes lower percent worthwhile.
Common mistakes
- Ignoring the third-party gateway fee when not using Shopify Payments.
- Comparing only percent and forgetting the $0.30 fixed fee on small AOV stores.
Shopify Payments vs third-party gateways
Shopify charges subscription fees plus card processing when you use Shopify Payments. Using PayPal or another gateway on Shopify can trigger an additional transaction fee on Shopify’s side. Model the third-party gateway schedule plus your external processor’s fees before you assume Shopify Payments is optional.
FAQ
What are Shopify Payments fees?
They vary by plan and country. US online rates commonly range from about 2.5%–2.9% + $0.30.
Does Shopify charge extra for PayPal or external gateways?
Often yes — an additional percentage can apply when you do not use Shopify Payments. Check your plan.
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Formula
Card fee = order × planPercent + fixed. Third-party add-on = order × gatewayPercent (plus the external processor’s own fees).
Sources
- Shopify Payments — Third-party gateway fee (Basic) . Used for: 2.00% + 0.00 USD. Checked .
Estimates only; published rates change and custom pricing may differ. Not financial advice. Not affiliated with Stripe, PayPal, Square, Venmo, Cash App, Zelle, Patreon, Ko-fi, Buy Me a Coffee, Gumroad, Shopify, or Wise. Found an error? Tell me.
Calculator version 1.0 · fee data 2026.11.07 · Fee changelog