Shopify Credit Card Fees Calculator
Calculate Shopify credit card processing fees, Shopify Payments charges, third-party gateway costs, transaction fees, and real net revenue for every Shopify order.
The Shopify Credit Card Fees Calculator helps merchants estimate Shopify Payments processing fees, credit card transaction costs, third-party gateway charges, Shopify transaction fees, international card fees, currency conversion fees, and net payout after all processing deductions.
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Estimates only. Confirm exact rates in your Shopify admin and payment provider dashboard.
Fee Breakdown
How Shopify Credit Card Fees Are Calculated
Shopify credit card fees use a percentage-based processing fee plus a fixed fee per transaction. The rate depends on your Shopify plan, payment method, card type, and whether the transaction is domestic or international.
Processing Fee = (Order Value × Percentage Fee) + Fixed Fee
Example (Basic Shopify, $100 order, US domestic Visa): $100 × 2.9% + $0.30 = $3.20 fee | Net payout: $96.80
Current Shopify Credit Card Processing Rates
| Shopify Plan | US Online Rate | US POS Rate | Third-Party Fee |
|---|---|---|---|
| Basic Shopify | 2.9% + $0.30 | 2.7% | 2.0% |
| Shopify (Grow) | 2.6% + $0.30 | 2.5% | 1.0% |
| Advanced Shopify | 2.4% + $0.30 | 2.4% | 0.5% |
| Shopify Plus | Custom enterprise | Custom | variable |
Credit Card Processing Rates by Country
| Country | Basic Online Rate | Grow Online Rate | Advanced Online Rate |
|---|---|---|---|
| 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 |
| India (INR) | ~2% domestic | varies | varies |
| Japan (JPY) | 3.4% | 3.4% | 3.4% |
Shopify Payments vs Third-Party Gateway Credit Card Fees
Shopify Payments eliminates the additional Shopify transaction fee. Using PayPal, Klarna, Afterpay, Stripe, or Authorize.net as a third-party gateway adds an extra charge on top of the gateway's own processing rate.
| Payment Method | Additional Shopify Transaction Fee | Processing Fee |
|---|---|---|
| Shopify Payments (Visa/MC) | None | Yes — plan rate |
| Shop Pay / Apple Pay / Google Pay | None | Yes — plan rate |
| PayPal | Yes (2%–0.5%) | Yes — PayPal rate |
| Klarna / Afterpay | Yes (2%–0.5%) | Yes — BNPL rate |
| Stripe (external) | Yes (2%–0.5%) | Yes — Stripe rate |
| Authorize.net | Yes (2%–0.5%) | Yes — gateway rate |
International Credit Card Fees on Shopify
International payments often include additional cross-border assessment fees, currency conversion costs, and foreign exchange markups. These can add 1%–2% on top of standard processing rates.
Total Fee = Processing Fee + Fixed Fee + (Order Value × FX Rate)
Example: $200 international order, 2.9% + $0.30 processing, 1.5% FX: $5.80 + $0.30 + $3.00 = $9.10 total | Net payout: $190.90
Shopify POS Credit Card Fees
Shopify POS in-person transactions typically qualify for lower processing rates because card-present payments carry lower fraud risk than online card-not-present transactions.
| Plan | In-Person POS Rate (US) |
|---|---|
| Basic Shopify | 2.7% |
| Shopify (Grow) | 2.5% |
| Advanced Shopify | 2.4% |
Shopify Credit Card Fees USA
US Shopify merchants using Shopify Payments pay the lowest credit card rates on the platform. Visa and Mastercard domestic transactions qualify for standard plan rates. American Express transactions may carry different interchange economics. Shop Pay Installments and Afterpay are popular BNPL options for US stores. ACH bank transfers offer a lower-cost alternative for high-ticket orders.
Shopify Credit Card Fees Canada
Canadian Shopify stores process transactions in CAD. Shopify Payments Canada pricing adds CA$0.30 fixed fees. Interac debit payments are popular among Canadian shoppers. International USD orders incur currency conversion costs on top of standard processing rates.
Shopify Credit Card Fees UK
UK Shopify merchants on Shopify Payments benefit from lower percentage rates than US counterparts. GBP processing adds a 25p fixed fee. European card processing and cross-border EU transactions may include additional assessment charges. VAT handling through Shopify does not affect processing fees directly but changes order value calculations.
Shopify Credit Card Fees Australia
Australian Shopify merchants pay percentage-only processing fees with no fixed transaction component on some plan tiers. AUD-denominated stores processing international payments face currency conversion costs. GST collected on orders does not reduce processing fee calculations.
Shopify Credit Card Fees India
Indian Shopify sellers often use local payment gateways including Razorpay, PayU, and Cashfree because Shopify Payments availability is limited in India. All third-party gateway usage triggers Shopify's additional transaction fee. UPI payments generally carry lower processing costs than international credit card transactions. International card surcharges apply when Indian stores accept cross-border orders from Visa or Mastercard holders abroad.
Effective Shopify Credit Card Processing Rate
The effective processing rate combines all fees — processing, fixed, international surcharges, FX conversion, chargebacks, and fraud costs — to reveal the true percentage lost to payment processing.
Effective Rate = Total Fees ÷ Total Revenue × 100
Merchants with high international order volumes, frequent chargebacks, or Klarna/Afterpay usage typically see effective rates 0.5%–2% higher than their headline plan rate.
Shopify Credit Card Fees — Frequently Asked Questions
Shopify credit card fees are calculated using a percentage-based processing fee plus a fixed fee per transaction. The exact rate depends on your Shopify plan, payment method, and whether the card is domestic or international.
No. Shopify removes the additional transaction fee when merchants use Shopify Payments. Credit card processing fees still apply on every transaction.
Yes. International cards and currency conversion transactions include additional cross-border fees, FX conversion costs, and foreign assessment charges — typically 1%–2% extra.
Advanced Shopify and Shopify Plus generally provide the lowest payment processing rates. Whether upgrading is worthwhile depends on whether rate savings exceed the higher monthly subscription cost.
In many regions, Shopify and payment gateway processing fees are not returned when orders are refunded. Merchants absorb the fee loss on refunded transactions.
Reduce fees by enabling Shopify Payments, increasing average order value, minimizing chargebacks, encouraging domestic card payments, and evaluating plan upgrades at higher revenue volumes.
Yes. Klarna and Afterpay are third-party gateways, so they trigger both their own BNPL processing fee and Shopify's additional transaction fee unless you use Shopify Payments native installments.
Shop Pay and Apple Pay process through Shopify Payments at the same plan rate as standard Visa/Mastercard. They do not add extra fees but also do not reduce your plan rate.
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