Shopify PayPal vs Shopify Payments Fee Calculator
Compare PayPal vs Shopify Payments fees on the same monthly GMV — side-by-side totals and savings.
Use this free shopify paypal vs shopify payments fee calculator to model card processing through Shopify Payments versus PayPal as a third-party gateway (including Shopify’s third-party transaction fee when Payments is off). Pick your plan, enter AOV × orders (or monthly GMV), edit PayPal rates, and see which path costs less.
1 Shopify plan
2 Volume inputs
3 Rate assumptions (editable)
4 Side-by-side results
| Line item | Shopify Payments | PayPal (third-party) |
|---|
How Shopify PayPal vs Shopify Payments fees differ
With Shopify Payments enabled, you pay the plan’s online card rate (percentage + fixed fee per successful charge). Shopify does not add an extra “transaction fee” on those Payments charges.
With PayPal as a third-party gateway (Shopify Payments off), you typically pay: (1) PayPal’s processing rate, plus (2) Shopify’s third-party transaction fee on GMV — often about 2% / 1% / 0.5–0.6% on Basic / Shopify / Advanced (US list; verify for your shop).
- Shopify Payments path = (AOV × SP%) + SP fixed, × orders (no Shopify third-party fee).
- PayPal path = (AOV × PayPal%) + PayPal fixed, × orders, plus Shopify third-party % × GMV.
- Refunds (optional) — this tool keeps processing fees on refunded orders (common), so fee totals do not drop with refund rate; GMV shown is still gross.
- Savings = higher path monthly fees − lower path monthly fees.
Need help cutting fee leakage or picking a payment stack? Work with Faraz or WhatsApp +92 334 3454747.