Shopify Payments Fees Calculator
Calculate Shopify Payments processing fees, payout deductions, credit card charges, international payment costs, and real net revenue for your Shopify store.
The Shopify Payments Fees Calculator helps merchants estimate transaction fees, credit card processing costs, international card surcharges, currency conversion fees, Shopify POS fees, Shop Pay charges, net payouts, and effective payment processing rate across monthly and annual projections.
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Estimates only. Confirm exact Shopify Payments rates in your Shopify admin.
What Are Shopify Payments Fees?
Shopify Payments fees are transaction processing costs charged when customers pay using credit cards, debit cards, Shop Pay, Apple Pay, Google Pay, or other digital wallets. Using Shopify Payments removes the extra Shopify transaction fee that applies when third-party gateways like PayPal or Stripe are used.
Shopify Payments Fee = (Order Amount × Percentage Rate) + Fixed Transaction Fee
Example: $120 order, Basic plan (2.9% + $0.30): $3.48 + $0.30 = $3.78 fee | Net payout: $116.22
Current Shopify Payments Processing Rates
| Country | Basic Online | Grow Online | Advanced Online |
|---|---|---|---|
| United States (USD) | 2.9% + $0.30 | 2.6% + $0.30 | 2.4% + $0.30 |
| United Kingdom (GBP) | 2.0% + 25p | 1.7% + 25p | 1.5% + 25p |
| Canada (CAD) | 2.9% + C$0.30 | 2.7% + C$0.30 | 2.5% + C$0.30 |
| Australia (AUD) | 1.75% | 1.6% | 1.4% |
| EU / Germany (EUR) | 2.1% + €0.30 | 1.8% + €0.30 | 1.6% + €0.30 |
| Shopify Plus | Negotiated enterprise pricing | ||
Shopify POS Payment Fees
Shopify POS in-person card transactions qualify for lower rates because physical card-present payments carry reduced fraud risk compared to online card-not-present transactions.
| Plan | In-Person POS Rate (US) |
|---|---|
| Basic Shopify | 2.7% |
| Shopify (Grow) | 2.5% |
| Advanced Shopify | 2.4% |
Shopify Payments vs Third-Party Payment Gateways
| Feature | Shopify Payments | Third-Party Gateway |
|---|---|---|
| Extra Shopify transaction fee | No | Yes (2%–0.5%) |
| Integrated payouts | Yes | No |
| Shop Pay support | Yes | Limited |
| Apple Pay & Google Pay | Yes | Limited |
| Additional gateway fee | No | Often yes |
Shopify Payments vs PayPal Fees
| Feature | Shopify Payments | PayPal |
|---|---|---|
| Standard processing rate (US) | Lower (2.4%–2.9%) | Higher (3.49%+) |
| Extra Shopify transaction fee | None | May apply (2%–0.5%) |
| Integrated checkout | Native | External redirect |
| Chargeback handling | Shopify dashboard | PayPal dispute center |
International Shopify Payments Fees
International transactions processed through Shopify Payments may include cross-border payment fees, currency conversion costs, and foreign exchange markup. These typically add 1%–2% on top of the standard plan rate.
Currency Conversion Fee = Transaction Amount × FX Fee Percentage
Example: $300 international order, 1.5% FX fee = $4.50 additional cost
Shopify Payments Fee Calculation Examples
Example 1: Domestic Shopify Payment
| Input | Value |
|---|---|
| Order Amount | $75 |
| Plan | Basic Shopify (2.9% + $0.30) |
| Payment Type | Domestic Visa |
| Percentage Fee | $75 × 2.9% = $2.18 |
| Fixed Fee | $0.30 |
| Total Fee | $2.48 |
| Net Payout | $72.52 |
Example 2: International Payment with FX Fee
| Input | Value |
|---|---|
| Order Amount | $250 |
| Card Type | International Mastercard |
| FX Fee | 1.5% |
| Processing Fee | $250 × 2.9% = $7.25 |
| Fixed Fee | $0.30 |
| FX Fee | $250 × 1.5% = $3.75 |
| Total Fee | $11.30 |
| Net Payout | $238.70 |
Shopify Payments Fees USA
US Shopify Payments merchants process Visa and Mastercard at plan-based rates. American Express and Discover may carry different interchange economics. Shop Pay Installments lets US customers pay in installments — merchants receive full payment upfront while Shopify absorbs installment risk. ACH bank transfers offer a low-cost alternative for high-ticket US orders.
Shopify Payments Fees Canada
Canadian Shopify merchants receive CAD-denominated payouts. Interac debit payments are popular alternatives to credit card transactions. Currency conversion fees apply when Canadian stores process USD or international orders. Shopify Payments Canada pricing uses the same plan percentage rates with CA$0.30 fixed fees.
Shopify Payments Fees UK
UK merchants benefit from lower percentage rates than US counterparts. GBP payouts include a 25p fixed transaction fee. VAT collected on orders increases the gross transaction value on which processing fees are calculated. European card processing from EU Visa and Mastercard holders may include additional cross-border assessment charges.
Shopify Payments Fees Australia
Australian Shopify Payments pricing uses percentage-only fees on several plan tiers with no fixed transaction component. AUD-denominated stores processing international orders face currency conversion costs. GST collected on orders is included in the gross order value for processing fee calculations.
Shopify Payments Fees India
Shopify Payments has limited availability in India. Indian Shopify sellers typically integrate Razorpay, PayU, or Cashfree as third-party payment gateways. All third-party gateway usage triggers Shopify's additional transaction fee (2%–0.5% depending on plan). UPI payments processed through supported Indian gateways typically carry lower transaction costs than international credit card processing.
Effective Shopify Payments Processing Rate
The effective processing rate reveals the true percentage of revenue lost to all payment costs after processing fees, fixed fees, international surcharges, FX conversion, and chargeback losses are combined.
Effective Rate = Total Processing Fees ÷ Total Revenue × 100
Merchants with high international order share or frequent chargebacks commonly see effective rates 0.5%–2.0% above their plan's headline rate.
Shopify Payments Fees — Frequently Asked Questions
Shopify Payments fees are transaction processing costs charged when customers pay using credit cards, debit cards, Shop Pay, Apple Pay, Google Pay, or other digital wallets through Shopify's native payment gateway.
No. Shopify removes the additional transaction fee when merchants use Shopify Payments. Standard credit card processing fees still apply on every transaction.
Yes. International transactions often include cross-border fees and currency conversion costs, typically adding 1%–2% on top of standard Shopify Payments processing rates.
Yes. Shopify Payments natively supports Apple Pay, Google Pay, Shop Pay, and other accelerated checkout methods at the same plan processing rate.
Advanced Shopify and Shopify Plus provide the lowest processing rates. Whether an upgrade makes sense depends on whether rate savings exceed the higher monthly subscription cost.
Increase average order value, reduce chargebacks, use domestic payment methods, optimize checkout conversion rates, and evaluate plan upgrades when monthly revenue justifies the higher subscription.
Shopify Payments itself has no separate monthly fee. It is included in your Shopify plan subscription. The subscription cost varies by plan (Basic, Grow, Advanced, Plus).
Shopify Payments typically pays out within 2 business days in the US and up to 5 business days in other countries, depending on your bank and country.