Documented Methodology1 Regional UtilitiesVerified 2026
Shopify Payments Fee Calculators
Compare Basic (2.9% + $0.30), Shopify (2.6% + $0.30), and third-party gateway penalty fees.
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Shopify Payments Fee Calculator (2026 Online & In-Person Rates)
Calculate credit card transaction fees across Shopify Basic (2.9% + $0.30), Shopify (2.6% + $0.30), and Advanced (2.4% + $0.30).
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Click any card to calculateShopify Payments Fee Calculators — Frequently Asked Questions
Authoritative answers to common questions, regulatory rules, and compliance guidance.
What is the third-party gateway penalty on Shopify?
If you choose not to use Shopify Payments and integrate external gateways like PayPal or Authorize.Net directly, Shopify charges an extra 2.0% (Basic), 1.0% (Shopify), or 0.5% (Advanced) penalty on gross turnover.
What is the credit card processing fee on the Shopify Basic plan?
On Shopify Basic, Shopify Payments charges 2.9% + $0.30 per online credit card transaction and 2.7% + $0.00 for in-person POS credit card payments.
When is it financially worth upgrading from Shopify Basic to the Shopify plan?
The regular Shopify plan drops online card rates from 2.9% to 2.6% (a 0.3% savings). If your store processes more than $20,000/month in credit card sales, the rate reduction offsets the higher monthly subscription fee.
Does Shopify Payments charge extra for international credit cards?
Yes. An additional 1.0% fee applies to international credit cards, and a 1.5% currency conversion fee applies if the transaction currency differs from your store payout currency.
How do in-person Shopify POS card reader fees work?
In-person card-present transactions using Shopify POS card hardware are charged at 2.7% (Basic), 2.5% (Shopify), and 2.4% (Advanced) with $0.00 per-transaction fixed fees.