Shopify Payments Fee Calculators & Rate Breakdown

Integrated payment gateway for Shopify merchants with built-in fraud analysis and multi-currency support. Select a regional calculator below to view localized pricing, chargeback policies, and cross-border interchange rates.

Shopify Payments Regional Tool Directory

US (USD) Verified 2026

Shopify Payments United States

Base Rate: 2.9% + $0.3

Calculate Net Payout →

🛍️ Comprehensive Shopify Payments Fee Guide (2026 Edition)

Shopify Payments is the native payment processing solution built into the Shopify e-commerce platform. Fully integrated with Shopify Checkout, Shop Pay, Apple Pay, and Google Pay, Shopify Payments eliminates third-party transaction fees that Shopify levies on external gateways. Transaction processing rates are tiered according to the merchant's monthly Shopify subscription plan: Basic (2.9% + $0.30), Shopify (2.6% + $0.30), and Advanced (2.4% + $0.30) in the United States.

📊 Shopify Payments Rate Card & Account Tiers

Basic Shopify Plan ($39/mo)

2.9% + $0.30 online / 2.6% + $0.10 in-person

Entry-level tier for new e-commerce storefronts.

Shopify Plan ($105/mo)

2.6% + $0.30 online / 2.5% + $0.10 in-person

Growth tier offering lower processing rates and enhanced reporting.

Advanced Plan ($399/mo) / Plus

2.4% + $0.30 online / 2.4% + $0.10 in-person

High-volume tier with lowest transaction processing fees.

🌍 Shopify Payments Global Regional Pricing Comparison

Merchant fees vary by geographic jurisdiction due to localized card interchange legislation. Below is the verified 2026 rate comparison for Shopify Payments:

Country	Currency	Base Percent	Fixed Fee	Cross-Border Surcharge	Calculator
US (United States)	USD	2.9%	$0.3	+1%	Calculate →

⚠️ Shopify Payments Fine Print, Dispute Fees & Payout Terms

Beyond standard transaction percentages, merchant net revenue is affected by ancillary charges and reserve policies:

• Third-Party Gateway Fee: 2.0% (Basic), 1.0% (Shopify), 0.5% (Advanced) if using external processors instead of Shopify Payments.
• International Card Fee: +1.0% for international cards (+2.0% on cross-border transactions).
• Currency Conversion Fee: 1.5% in the US (2.0% in other regions) when converting currency via Shopify Markets.
• Chargeback Fee: $15.00 per chargeback in the US.

Frequently Asked Questions About Shopify Payments Fees

Frequently Asked Questions

Common merchant processing questions and rate card rules.

What happens if I don't use Shopify Payments on Shopify?

If you process credit cards through a third-party gateway (such as Stripe or Authorize.net) instead of Shopify Payments, Shopify charges an additional penalty fee of 2.0% (Basic), 1.0% (Shopify), or 0.5% (Advanced) on all sales.

How do Shopify processing fees change as I upgrade my plan?

Upgrading from Basic ($39/mo) to Shopify ($105/mo) reduces online card fees from 2.9% to 2.6%. Upgrading to Advanced ($399/mo) reduces fees to 2.4% + $0.30.

What is Shop Pay and does it cost extra?

Shop Pay is Shopify's accelerated one-click checkout system. It is included free with Shopify Payments and processed at your standard plan card rate.

What are Shopify's currency conversion fees?

When selling in multiple currencies through Shopify Markets, Shopify applies a 1.5% currency conversion fee in the US (2.0% in other countries) when converting funds into your store payout currency.