Shopify Credit Card Fees & Payments Calculator (2026) — Transaction Rates (2026)
Accurately compute Shopify Payments credit card rates (2.9% + $0.30 Basic, 2.7% Shopify, 2.5% Advanced), third-party gateway transaction surcharges (2.0%, 1.0%, 0.6%), and net seller take-home.
Quick Answer: Shopify Credit Card Fees & Payments Calculator (2026) — Transaction Rates
Shopify enables merchants to build independent brand storefronts without paying percentage commissions to a marketplace. Instead, you pay a fixed monthly subscription ($39, $105, or $399/month) plus standard credit card processing rates via Shopify Payments. You must generate your own web traffic through advertising, SEO, or social media.
Fee Structure & Formula
Shopify Total Fees = (Monthly Plan / Monthly Unit Volume) + (Card Rate 2.9% × Order Total + $0.30) + Optional 3rd-party gateway surcharge (0.6%–2.0% if not using Shopify Payments).Frequently Asked Questions
- How does the Shopify credit card fees calculator work?
- Our Shopify credit card fees calculator computes processing costs across all plans: Basic (2.9% + $0.30), Shopify (2.7% + $0.30), and Advanced (2.5% + $0.30). It also incorporates third-party gateway transaction surcharges (2.0%, 1.0%, 0.6%) if you choose not to use Shopify Payments.
- What is the difference between Shopify transaction fees and credit card fees?
- Credit card fees (2.5%–2.9% + 30¢) are processing charges collected by card networks when using Shopify Payments. Transaction fees (0.6%–2.0%) are an additional fee Shopify charges ONLY if you use an external third-party payment gateway (like Authorize.Net or external PayPal). Using Shopify Payments results in 0% transaction fees.
- How much does Shopify Payments charge per transaction?
- In 2026, Shopify Payments online credit card rates are 2.9% + 30¢ on Basic ($39/mo), 2.7% + 30¢ on Shopify ($105/mo), and 2.5% + 30¢ on Advanced ($399/mo). In-person card transactions through Shopify POS are 2.6% + 10¢, 2.5% + 10¢, and 2.4% + 10¢ respectively.
- Does Shopify charge a percentage of sales?
- No. When using Shopify Payments, Shopify charges 0% in marketplace commissions. You only pay standard payment card processing (2.9% + $0.30 on Basic). If you choose a third-party gateway like external PayPal or Authorize.Net, Shopify adds a 2.0% surcharge on Basic.
- How much does Shopify cost per month in 2026?
- Shopify plans are: Basic ($39/mo or $29/mo billed annually), Shopify ($105/mo or $79/mo annually), and Advanced ($399/mo or $299/mo annually). Enterprise Shopify Plus starts at $2,300/month.