Shopify Calculator

Shopify Credit Card Fee Calculator

Estimate Shopify Payments processing, third-party transaction fees, subscription cost, POS Pro locations, and effective rate with editable U.S. assumptions.

Shopify payment cost combines card processing with the selected Shopify subscription. For applicable online orders using an external processor, add the processor's fee and Shopify's plan-based third-party transaction fee. POS Pro is a separate per-location cost. This calculator models current public U.S. assumptions and keeps the external processor inputs editable.

Monthly payment fees

$525

Monthly cost with plan

$554

Annual cost with plan

$6,648

Payment effective rate

3.50%

Cost component	Assumption	Monthly cost
Basic plan	Yearly billing	$29
Shopify Payments processing	2.9% + $0.30 per transaction	$525
POS Pro	0 locations x $89	$0

Estimated transactions

300

All-in rate with software

3.69%

Plan used

Basic

What this estimate includes

Standard U.S. online or in-person card rates, the selected Shopify subscription, and optional POS Pro locations. It excludes premium and international cards, currency conversion, apps, hardware, disputes, taxes, shipping, negotiated rates, and other optional services.

Shopify Payments Rates Used in This Calculator

These are public U.S. starting rates checked on August 19, 2026. Annual billing lowers the modeled monthly subscription. Premium, international, and manually entered cards can use different rates, so verify the exact schedule in your Shopify admin before making a decision.

Plan	Yearly billing	Monthly billing	Online standard cards	In-person cards	Third-party online fee
Basic	$29/month	$39/month	2.9% + $0.30	2.6% + $0.10	2%
Grow	$79/month	$105/month	2.7% + $0.30	2.5% + $0.10	1%
Advanced	$299/month	$399/month	2.5% + $0.30	2.4% + $0.10	0.6%

Shopify Payments vs a Third-Party Processor

Using Shopify Payments

Model the Shopify card rate for the selected plan and channel. Shopify says qualifying Shopify Payments, Shop Pay, PayPal Express Checkout, and manual methods are not charged the standard third-party transaction fee, subject to its current terms.

Using Another Processor

Enter the external provider's percentage and per-transaction fee. For modeled online sales, the calculator then adds Shopify's plan-based third-party transaction fee. Shopify says that extra fee does not apply to POS orders or manual payment methods.

Verify Current Shopify Pricing

Open Shopify's official pricing, then verify plan, card type, sales channel, third-party provider rules, and POS Pro needs against your own store.

Shopify POS

Official provider link

online and in-person retail
Shopify stores
omnichannel inventory

Visit official site

Provider links may be official links or affiliate links. Pricing can change; verify current rates, monthly fees, hardware costs, and contract terms before signing up.

FAQ

How are Shopify credit card fees calculated?

For Shopify Payments, multiply monthly card volume by the plan's percentage rate, then add the per-transaction charge for the estimated number of orders. Add the Shopify subscription and any POS Pro locations separately when you want an all-in operating cost.

Does Shopify charge an extra fee for a third-party payment provider?

For applicable online orders, Shopify lists a plan-based third-party transaction fee in addition to the external processor's own fee. Shopify says third-party transaction fees do not apply to POS orders or manual payment methods. Confirm the current rule for your store and payment mix.

Does this calculator include Shopify POS Pro?

Yes. Enter the number of POS Pro locations to add the current public $89 per month per location assumption. Shopify POS Lite is included with paid Shopify plans, while POS Pro adds advanced retail features.

Are Shopify card rates the same for every transaction?

No. Shopify lists different standard, premium, international, manual, online, and in-person rates. This calculator models standard U.S. online or in-person cards and excludes premium cards, international additions, currency conversion, and negotiated rates.

Methodology and Sources

CardFeeCheck is independent and is not Shopify. The calculator is an educational estimate, not a quote or financial recommendation. Pricing, card categories, taxes, features, and contract terms can change.

Official pricing and help pages last checked: 2026-08-19. Confirm current U.S. pricing in Shopify's official materials and your account before choosing a plan or payment provider.

Compare the Broader Cost

Use the general credit card fee calculator for another processor, review the POS system cost comparison, or compare the best retail POS systems before treating payment cost as the only decision factor.