Shopify Fee Calculator - Payment & Monthly Plan Costs
Estimate payment processing, third-party transaction fees and monthly plan allocation. Compare US reference plans with your actual gateway quote.
By Marginory teamContent reviewed
Plan comparison
| Plan | Monthly | Shopify Payments | 3rd-party tx fee |
|---|---|---|---|
| Basic | $39/mo | 2.90% + $0.30 | 2.0% |
| Grow | $105/mo | 2.70% + $0.30 | 1.0% |
| Advanced | $399/mo | 2.50% + $0.30 | 0.6% |
Added to the fee base, excluded from seller income. Tax-inclusive item prices should not include it twice.
0 = free shipping
Per-order fee breakdown
Monthly cost breakdown
US reference schedule checked October 11, 2026. Annual allocation is not a monthly invoice; the reference annual charge is $348. Promotions, international cards and account rates may differ. Reconcile actual fees in your admin.
How this is calculated
Assumptions
- Using Shopify Payments — transaction fee waived
- US online store payment processing rates
- Annual billing uses a monthly allocation of the upfront annual subscription when selected
Source: shopify.com/pricing · Last verified: 2026-10-11
Worked example: monthly Shopify cost at three sales levels
Plan price plus Shopify Payments card fees, at a $50 average order, monthly billing.
| $3,000/mo | $10,000/mo | $30,000/mo | |
|---|---|---|---|
| Basic | $144 | $389.00 | $1,089.00 |
| Grow | $204 | $435 | $1,095 |
| Advanced | $492 | $709 | $1,329 |
Basic is cheapest at low volume. The lower card rate on higher plans only pays for their subscription once card sales are large — compare the rows at your own monthly sales.
Three charges to distinguish
Processing is paid to the payment provider. A third-party transaction charge may be paid to Shopify when the selected provider requires it. The plan subscription is a separate recurring charge. This fee calculator reports these charges before product, fulfillment, advertising and operating costs.
The external gateway rate is not Shopify Payments
Turn off Shopify Payments and enter your actual provider quote. US reference additional charges are 2% on Basic, 1% on Grow and 0.6% on Advanced. The model does not reuse the Shopify Payments rate as if every other gateway charged it. Check payment-method exceptions and your account agreement.
Worked $50 order
At Basic's US online-card reference 2.9% plus $0.30, a $50 order before separately collected tax has $1.75 processing. An illustrative external provider charging 3% plus $0.30 has $1.80 processing plus the reference $1.00 Shopify surcharge. At 100 identical orders, these order-fee totals are $175 and $280, before the subscription.
Monthly versus annual billing
Reference monthly prices are $39 Basic, $105 Grow and $399 Advanced. Annual equivalents are $29, $79 and $299 per month. Choosing annual allocation spreads the upfront yearly commitment for comparison; it does not describe the invoice frequency. The plan table uses the same entered order count and provider assumptions for each plan.
Why your invoice can differ
International or premium cards, local market rates, refunds, conversion and payment-method exceptions can change fees. Apps and seller operating costs appear only when entered. Use the fees for the same transaction date and payment method from Shopify admin, then continue to the profit calculator for product and advertising costs.
Sources and assumptions
Shopify pricing. Shopify payment fees. Rates and model scope are separate from the content review date. Confirm account rates and charges before pricing. Examples use stated hypothetical costs and do not predict demand. Calculation methodology.
Review the market, fee bases and exclusions shown with this tool. Published rates and illustrative cost inputs have different certainty. Compare your breakdown with an actual order statement. Sources and methodology.