Shopify Transaction Fee Calculator
Calculate Shopify monthly subscription fees, credit card processing rates, third-party payment surcharges, and potential savings with Shopify Payments.
Shopify Total Monthly Fee Formula
Total Cost = Plan Subscription + (Sales × 3rd-Party Fee %) + [(Sales × Card Rate %) + (Orders × Card Flat Fee)]- Shopify Plan Subscription: Basic ($39/mo), Shopify ($105/mo), Advanced ($399/mo).
- Third-Party Surcharge: 2.0% (Basic), 1.0% (Shopify), or 0.5% (Advanced) if not using Shopify Payments.
- Credit Card Rates: 2.9% + $0.30 (Basic), 2.7% + $0.30 (Shopify), or 2.5% + $0.30 (Advanced).
- Shopify Payments Savings: The exact amount of money saved by eliminating the 0.5% - 2.0% penalty fee.
Step-by-Step Worked Example
Calculation Steps:
How to Use This Calculator
Assumptions & Limitations
- Plan subscription prices reflect standard US monthly billing without annual prepay discounts. Last verified: Q1 2026.
- Credit card rates reflect standard domestic consumer credit cards.
Frequently Asked Questions
When does it make sense to upgrade from Shopify Basic to the Shopify Plan?
Upgrading from Basic ($39/mo, 2.9%) to Shopify ($105/mo, 2.7%) saves 0.2% on credit card processing. Once your monthly sales exceed $33,000, the 0.2% processing savings ($66+) completely offsets the $66 price difference.
Why does Shopify charge a transaction fee on third-party gateways?
Shopify levies a 0.5% to 2.0% transaction fee to encourage merchants to use its proprietary Shopify Payments gateway, where Shopify earns interchange margin.
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