Calculate Shopify transaction fees by plan: 0–2% transaction fee plus payment processing (2.4–2.9% + $0.30). Compare plans side by side.
Shopify charges two types of fees on each transaction: a payment processing fee when using Shopify Payments (their built-in gateway), and an additional transaction fee if you use a third-party payment provider. The rates vary by plan — Basic, Shopify, and Advanced.
Shopify Payments processing rates range from 2.4% + $0.30 on the Advanced plan to 2.9% + $0.30 on Basic. If you use a third-party gateway (like PayPal or Stripe directly), Shopify adds an extra 0.5–2% transaction fee on top of whatever the gateway charges.
This calculator shows your per-order fees across all Shopify plans, making it easy to determine when upgrading to a higher plan saves money. The break-even point depends on your monthly sales volume, so model different scenarios to find the optimal plan. Whether you are a beginner or experienced professional, this free online tool provides instant, reliable results without manual computation. By automating the calculation, you save time and reduce the risk of costly errors in your planning and decision-making process.
Choosing the right Shopify plan depends on your sales volume. Higher plans have lower per-transaction fees but higher monthly costs. This calculator shows you the exact fee per order across plans so you can identify the plan that minimizes your total costs. Having a precise figure at your fingertips empowers better planning and more confident decisions.
Shopify Payments Fee = Order Amount × Card Rate + $0.30 Third-Party Transaction Fee = Order Amount × Plan Rate (0–2%) Total Fee = Payment Processing Fee + Transaction Fee (if applicable) Effective Rate = Total Fee / Order Amount × 100
Result: Fee: $2.48 | Effective Rate: 3.3%
A $75 order on the Basic plan using Shopify Payments: Fee = $75 × 2.9% + $0.30 = $2.18 + $0.30 = $2.48. The effective rate is 3.3%. On the Advanced plan, this would be $75 × 2.4% + $0.30 = $2.10, saving $0.38 per order.
Basic ($39/month): 2.9% + $0.30 online, 2.0% third-party fee. Shopify ($105/month): 2.7% + $0.30 online, 1.0% third-party fee. Advanced ($399/month): 2.4% + $0.30 online, 0.5% third-party fee. The plan you choose should be based on your monthly sales volume and whether the per-transaction savings exceed the additional plan cost.
Upgrade from Basic to Shopify when your monthly sales exceed approximately $5,000–$7,000 (the savings per transaction offset the $66/month plan difference). Upgrade from Shopify to Advanced when sales exceed $15,000–$20,000/month. Always calculate your specific numbers since average order value affects the break-even point.
Some merchants need third-party gateways for specific features (subscription billing, local payment methods, or multi-currency support). If you must use a third-party gateway, the additional Shopify transaction fee makes Advanced or Shopify Plus plans more attractive to minimize that added cost.
The Shopify Payments fee is the credit card processing cost (like Stripe or Square fees). The transaction fee is an additional charge Shopify applies only if you use a third-party payment gateway instead of Shopify Payments. Using Shopify Payments eliminates the extra transaction fee.
The Advanced plan has the lowest per-transaction rate (2.4% + $0.30 and 0.5% third-party fee), but costs $399/month. For small stores, the Basic plan at $39/month with 2.9% + $0.30 is more cost-effective despite the higher rate.
You can avoid the additional transaction fee (0.5–2%) by using Shopify Payments as your payment processor. However, you cannot avoid payment processing fees — every credit card transaction incurs a processing cost regardless of the gateway.
Shopify's payment processing fee is calculated on the total order amount, which includes shipping charges, taxes, and any other amounts the customer pays. This is consistent with how all payment processors calculate fees.
Shopify fees (3–4% effective) are significantly lower than Amazon (15% referral + FBA) or eBay (13% + $0.30). However, Shopify merchants must drive their own traffic, whereas marketplaces provide built-in audiences.
Beyond transaction fees, consider the monthly plan cost, app subscription fees (many essential apps cost $10–50/month each), premium theme costs, and any third-party tool integrations. These can add $100–$500/month for an active store.