Shopify transaction fees come in two kinds. An order paid through Shopify Payments is charged a card rate: a percentage of the payment plus a fixed number of cents. An order paid through any other payment provider is charged a third-party transaction fee, a percentage that Shopify adds to whatever that provider bills. Both figures depend on the plan, and the transaction fee is dropped on orders that go through Shopify Payments. A few smaller charges apply only to particular orders: currency conversion, chargebacks, tax calculation and duties.
Every rate in this guide is a US rate in US dollars. Plan prices and card rates were taken on 11 November 2026 from a US view of Shopify’s pricing page, and the rules around them from the Shopify Help Center that day. Shopify sets different prices and rates for stores based elsewhere, so a merchant outside the US should check the pricing page for their own country.
Key takeaways
- Online card rates with Shopify Payments are 2.9% + 30¢ on Basic, 2.7% + 30¢ on Grow, 2.5% + 30¢ on Advanced and 2.25% + 30¢ on Plus. In-person rates run from 2.6% + 10¢ to 2.3% + 10¢.
- The third-party transaction fee is 2% for a Basic store, 1% for Grow, 0.6% for Advanced and 0.2% for Plus. It is not charged on orders processed by Shopify Payments.
- A $100 online order paid with a standard US card costs $3.20 in fees on Basic, $3.00 on Grow, $2.80 on Advanced and $2.55 on Plus.
- A US store pays 1.5% to convert a foreign-currency payment and $15 for each chargeback, which comes back if the dispute is won.
- Card fees stay with Shopify when an order is refunded.
Shopify transaction fees by plan: comparison table (2026)
| Fee (US) | Basic | Grow | Advanced | Plus |
|---|---|---|---|---|
| Plan price per month | $29 paid yearly, $39 paid monthly | $79 or $105 | $299 or $399 | $2,500 on a 1-year contract, $2,300 on 3 years |
| Online card, standard | 2.9% + 30¢ | 2.7% + 30¢ | 2.5% + 30¢ | 2.25% + 30¢ |
| Online card, premium | 3.5% + 30¢ | 3.3% + 30¢ | 3.1% + 30¢ | 2.95% + 30¢ |
| Online card, non-US | +1% | +1% | +1% | +1% |
| In person, card reader | 2.6% + 10¢ | 2.5% + 10¢ | 2.4% + 10¢ | 2.3% + 10¢ |
| In person, manual entry | 3.5% + 10¢ | 3.5% + 10¢ | 3.5% + 10¢ | 3.4% + 10¢ |
| Third-party transaction fee | 2% | 1% | 0.6% | 0.2% |
| Shopify Tax, past $100,000 | 0.35% | 0.35% | 0.35% | 0.25% |
| Managed Markets orders | 3.5% | 3.5% | 3.5% | 3.25% |
Two fees are the same whatever the plan: 1.5% for currency conversion and $15 per chargeback.
Shopify Payments fees: credit card rates on each plan
Shopify Payments is the payment provider that Shopify runs itself. Shopify credit card fees and Shopify processing fees are two names for its card rate. A store on it pays that rate for each payment with no transaction fee on top, and it pays no separate fee to card networks such as Visa or Mastercard. Shopify deducts the card fee from the payout, so it never shows on the monthly Shopify bill.
For an online payment, the standard rate falls from 2.9% + 30¢ on Basic to 2.25% + 30¢ on Plus. The pricing page prints a second, higher rate for cards it labels premium: 3.5%, 3.3%, 3.1% and 2.95%, each with the same 30¢. The Help Center says the fee depends on the card type and the country of issue, so a Visa payment can cost a different amount from an American Express one. Cards from outside the US cost 1% more on all four plans.
In a physical store, a payment taken on a card reader through Shopify POS costs 2.6% + 10¢ on Basic and 0.1 points less on each plan above it. A card entered manually in person costs 3.5% + 10¢, or 3.4% + 10¢ on Plus. Shopify puts the gap between online and in-person rates down to the security and risk of each kind of payment.
Two more payment methods appear in the same pricing table. A US store on Shopify Payments offers PayPal through the PayPal Wallet integration, listed from 3.49% + 49¢ whatever the plan. USDC stablecoin payments are charged the plan’s standard online card rate.
To check the rates on a live store, go to Settings, then Payments, click Manage in the Shopify Payments section and read Standard rates. It shows one domestic rate and one rest-of-world rate.
Shopify’s third-party transaction fee
A store can take cards with a provider that is not Shopify Payments. Shopify’s payment gateways page counts more than 100 of them and states that connecting one costs nothing. The charge comes per order instead: Shopify bills Basic stores 2%, Grow stores 1%, Advanced stores 0.6% and Plus stores 0.2% of every order the outside provider handles. The Help Center explains the fee as the cost of supplying a secure checkout and the link to that provider, whose own processing charge is a separate bill.
The fee covers more than the product price. Shopify’s formula takes the cost of the products, subtracts discounts, adds tax and shipping, and multiplies the result by the plan’s rate. The total appears on the Shopify bill under Transaction fees.
These payments are exempt:
- Orders processed by Shopify Payments, including Shop Pay and Shop Pay Installments.
- Manual payment methods, which cover cash, cash on delivery, bank deposits and checks, along with test orders and any draft order marked paid.
- Orders taken in Shopify POS.
- PayPal payments, when Shopify Payments is the store’s primary provider.
Four rules change the result for some stores:
- Gift cards and store credit. On a store opened on 12 May 2025 or later, the part of an order paid with a gift card or store credit is charged the transaction fee, even if the store uses Shopify Payments. On Basic, $25 of gift card value spent on an order costs the store 50¢. Older stores are not charged.
- Two providers at once. A store may keep a direct third-party provider as its main card processor and add Shopify Payments for Shop Pay and local payment methods. The outside provider’s orders then pay the plan’s transaction fee, and Shopify Payments transactions are charged the standard card rate plus a 1.25% premium.
- Refunds. Wherever Shopify Payments is offered, which includes the US, the transaction fee is not credited back when the order is refunded.
- Managed US sales tax. A US store that has Shopify manage its sales tax cannot use a third-party payment provider until the tax setting is changed to self-directed.
Shopify fees per sale: one $100 order on each plan
The table follows a single order from a US store with $100 charged to the buyer, shipping and tax included. Each row changes only how the buyer pays. The first five rows go through Shopify Payments.
| How the $100 is paid | Basic | Grow | Advanced | Plus |
|---|---|---|---|---|
| Online, standard US card | $3.20 | $3.00 | $2.80 | $2.55 |
| Online, premium card | $3.80 | $3.60 | $3.40 | $3.25 |
| Online, non-US card | $4.20 | $4.00 | $3.80 | $3.55 |
| In person, card reader | $2.70 | $2.60 | $2.50 | $2.40 |
| In person, manual entry | $3.60 | $3.60 | $3.60 | $3.50 |
| Outside provider, Shopify fee | $2.00 | $1.00 | $0.60 | $0.20 |
| Outside provider, both fees | $5.20 | $4.20 | $3.80 | $3.40 |
The last row adds the outside provider’s own charge to Shopify’s fee. The example is Authorize.net, a third-party provider the Shopify Help Center documents for the countries where it is offered. Its pricing page lists an all-in-one plan at $25 a month plus 2.9% + 30¢ per transaction, subject to eligibility. On Basic, the $100 order costs $5.20 that way and $3.20 through Shopify Payments, before the $25 monthly charge. On Plus the two figures are $3.40 and $2.55.
The fixed 30¢ weighs more on small orders. With a standard US card on Basic, a $20 order costs 88¢, or 4.4%. A $100 order costs 3.2%, and a $500 order costs $14.80, or 2.96%.
When a higher plan pays for itself in fees
Each step up the plans costs more per month and lowers the rate. Dividing the monthly price gap by the rate gap gives the monthly sales at which the two cancel out.
- Basic to Grow on Shopify Payments. Grow costs $50 a month more on yearly billing ($79 against $29) and cuts the online card rate by 0.2 points. $50 divided by 0.002 is $25,000 a month in online card sales. On monthly billing the gap is $66 and the figure is $33,000.
- Grow to Advanced on Shopify Payments. The gap is $220 a month on yearly billing for a further 0.2 points, which takes $110,000 a month to recover. On monthly billing it is $294 and $147,000.
- Basic to Grow with an outside provider. The transaction fee halves from 2% to 1%, so the $50 is recovered at $5,000 a month.
- Grow to Advanced with an outside provider. The fee drops by 0.4 points, so the $220 is recovered at $55,000 a month.
Under those sales levels the cheaper plan costs less in fees, and the case for upgrading rests on features such as the 5 staff accounts on Grow or the 15 on Advanced. In-person rates fall by only 0.1 points per plan, so a store that sells mainly through POS needs double the sales to reach the same point.
Other Shopify fees that apply to some orders
- Currency conversion. When a buyer pays in a currency other than the store’s payout currency, Shopify Payments converts the money at the mid-market rate and charges a conversion fee: 1.5% for a US store and 2% in the other Shopify Payments regions. The fee is built into the converted price the buyer sees. A PayPal Wallet payment in another currency carries 3% instead.
- Chargebacks. When a cardholder disputes a payment, the bank takes back the disputed sum together with a chargeback fee, which is $15 for a US store on Shopify Payments. The merchant usually has 7 to 21 days to send evidence, and the card company’s review can last up to 75 days. A win returns both the disputed amount and the $15.
- Refunds. Issuing a refund costs no new fee. The card fee on the original payment is not handed back, and neither is a currency conversion fee.
- Shop Pay Installments. Turning it on is free. Shopify says an installments order is charged a higher fee than an ordinary card payment, with the standard processing fee already inside it. The Help Center does not print the percentage; a store finds it under View payment rates in its Shopify Payments settings. US orders from $35 to $30,000 qualify, and the fee is kept if the order is refunded.
- Shopify Tax. Tax calculation is free for a store’s first $100,000 of sales. Past that level a US store pays 0.35% of each order where tax is calculated on Basic, Grow or Advanced and 0.25% on Plus, never more than 99¢ per order. For a store created before 13 May 2026, the allowance resets each calendar year until the end of 2026, and yearly fees stop at $5,000 per region.
- Duties and import taxes. Calculating duties at checkout on international orders carries a fee that Shopify cut to 0.5% for all merchants on 2 February 2025 and calls temporary. The regular rates are 0.85% when Shopify Payments is the primary gateway and 1.5% with other providers.
- Managed Markets. This optional service makes Global-e the merchant of record for international orders. It costs 3.5% per order on Basic, Grow and Advanced and 3.25% on Plus, in addition to the currency conversion fee and the card rate.
- Marketplace orders. The pricing page lists the first 50 synced marketplace orders each month as free. Beyond 50, the charge is 1% and stops at $99 a month.
What Shopify Plus changes
Plus has the lowest percentage wherever the plans differ: 2.25% + 30¢ online, 2.3% + 10¢ in person, 0.2% with an outside provider, 0.25% for Shopify Tax and 3.25% for Managed Markets. The Help Center prices the plan in US dollars at $2,500 monthly for a store signing for one year and $2,300 monthly for one signing for three, and says those prices cover standard setups and integrations. For larger, more complex businesses it says a platform fee that varies with revenue and business model might apply, and that it is not the same for B2B orders as for D2C orders. Shopify publishes no rate for it, so a large store’s full Plus cost has to come from a Shopify quote.
On the card rate alone, the 0.25-point drop from Advanced to Plus covers the $2,001 gap between $299 and $2,300 at about $800,000 a month in online card sales. The features Plus adds are set out in our Shopify Plus vs Advanced comparison. Shopify’s fees are also separate from the cost of building the store: our Shopify Plus packages are fixed-scope tiers from $40,000 to $200,000.
How Shopify’s fees compare with WooCommerce and Wix
Other platforms divide the same costs differently, so compare the yearly total and not a single rate. Our Shopify vs WooCommerce comparison puts Shopify’s plan and payment fees beside WooCommerce’s hosting, extension and WooPayments costs. Shopify vs Wix does the same with Wix’s plans and Wix Payments, and Shopify vs Squarespace with Squarespace’s.
How to pay less in Shopify fees
- Use Shopify Payments if the business qualifies for it. That removes the transaction fee, which on Basic is $2.00 on every $100 of orders.
- Switch to yearly billing once the plan is settled. It saves $120 a year on Basic, $312 on Grow and $1,200 on Advanced.
- Take in-person cards on a reader. On Basic a reader payment costs 90¢ less per $100 than a manually entered one.
FAQ
What are Shopify transaction fees?
Shopify charges a third-party transaction fee when an order is paid with a provider that is not Shopify Payments. The US rate is 2% for Basic, 1% for Grow, 0.6% for Advanced and 0.2% for Plus, as read on 11 November 2026. Orders processed by Shopify Payments, manual payment methods and Shopify POS orders are exempt.
Does Shopify charge transaction fees with Shopify Payments?
No. An order processed by Shopify Payments pays the card rate and no third-party transaction fee. One exception covers stores opened on 12 May 2025 or later: the part of an order paid with a gift card or store credit is charged the plan’s transaction fee.
How much does Shopify take per sale?
On a $100 online order paid with a standard US card through Shopify Payments, the fee is $3.20 on Basic, $3.00 on Grow, $2.80 on Advanced and $2.55 on Plus. Taken on a card reader in person, the same order costs $2.70 on Basic and $2.40 on Plus. With an outside payment provider, Shopify adds $2.00, $1.00, $0.60 or $0.20 to that provider’s own charge.
What are Shopify’s credit card processing fees?
US online card rates with Shopify Payments are 2.9% + 30¢ on Basic, 2.7% + 30¢ on Grow, 2.5% + 30¢ on Advanced and 2.25% + 30¢ on Plus. Premium cards cost between 3.5% and 2.95% plus 30¢, cards from outside the US cost 1% more, and in-person rates range from 2.6% + 10¢ down to 2.3% + 10¢.
Does Shopify return fees when an order is refunded?
No. The card fee on the original payment is not returned, although the refund itself costs nothing extra. Where Shopify Payments is available, the third-party transaction fee is not credited back either. The $15 US chargeback fee is returned only when the merchant wins the dispute.
Sources: Shopify’s US pricing page and payment gateways page; Shopify Help Center articles covering the transaction fee, plan fees and charges, payout fees, outside providers, running two providers, currency conversion, chargebacks, refunds, Shop Pay Installments, Shopify Tax, duties, Managed Markets, PayPal Wallet and the Plus plan; and Authorize.net’s pricing page. Every page was read on 11 November 2026. Shopify changes these rates and sets them by country, so confirm them for your own store before you budget.
