Shopify Transaction Fee Calculator
Compare Shopify Payments vs third-party gateway fees across Basic, Grow, Advanced & Plus — on your AOV and monthly orders.
1 Plan & payment path
2 Volume inputs
3 Fee results
4 Side-by-side plan comparison
Same AOV, orders, path, and card type — all four plans.
| Plan | Fee / order | Monthly fees | Effective % GMV | + Subscription |
|---|
Shopify Payments vs third-party transaction fees
With Shopify Payments, you pay card processing rates that drop as you move from Basic → Grow → Advanced → Plus. There is no extra Shopify “transaction fee” on those card charges.
If you use a third-party gateway (Stripe, PayPal as external processor, Authorize.net, etc.), Shopify charges an additional transaction fee on top of whatever your gateway bills you — currently about 2% / 1% / 0.6% / 0.2% on Basic / Grow / Advanced / Plus (US list). That line is often the surprise on fee audits.
- Card rates — percentage + fixed fee per successful charge (standard, premium, or international).
- Shopify third-party fee — only when Shopify Payments is off; zero when you process through Shopify Payments.
- In-person (POS) — different US rates than online cards on each plan.
Need help cutting fee leakage or picking a plan for your volume? Work with Faraz or WhatsApp +92 334 3454747.
Disclaimer: figures are approximate US list rates and change. Region, FX, chargebacks, and Plus negotiated pricing are not modeled here.