Enter your Shopify plan, order volume, and payment gateway to see exactly what you pay in plan fees, processing fees, and transaction fees every month.
Shopify plan
Billing cycle
Payment gateway
No additional transaction fee. Processing rate: 2.6% + $0.30 per online order.
Total number of orders processed per month across all channels.
Your typical order size before shipping and taxes.
% of orders processed via POS. In-person rates are typically lower than online rates.
Total monthly cost
$555.00
$6.7K per year - 3.00% effective rate on revenue
Plan fee
$105.00
Shopify - monthly
Processing fees
$450.00
Shopify Payments
Transaction fees
$0.00
None with Shopify Payments
Cost per order
$2.77
Across 200 orders
Monthly cost breakdown
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Shopify Payments eliminates transaction fees
Using a third-party payment gateway adds Shopify's transaction fee on top of your gateway's own processing rate. Switching to Shopify Payments removes that extra layer - often worth $50 to $500 per month depending on your volume.
Annual billing cuts your plan cost by up to 25%
Every Shopify plan is cheaper when billed annually. A Basic plan drops from $39 to $29 per month, Advanced from $399 to $299. At higher order volumes, the annual saving can outweigh several months of processing fees.
Higher plans pay off at higher volumes
The Advanced plan costs $260 more per month than Shopify, but its lower processing rate saves $0.002 per dollar of revenue. That breakeven point is roughly $260,000 in monthly revenue - after which Advanced is cheaper overall.
Everything you need to know about Shopify fees, how processing rates work across plans, and how to reduce what you pay.
Shopify charges three types of fees: a monthly plan fee (ranging from $39 on Basic to $2,300 on Plus), a payment processing fee on every transaction (a percentage plus a fixed amount per order), and - if you use a third-party payment gateway instead of Shopify Payments - an additional transaction fee on top of your gateway's own rate. This calculator adds all three together so you can see your true monthly cost.
Processing fees are charged per order. For online orders using Shopify Payments, the rate depends on your plan: Basic charges 2.9% + $0.30, Shopify charges 2.6% + $0.30, and Advanced charges 2.4% + $0.30. In-person POS rates are slightly lower and do not include the fixed per-transaction amount. Enter your average order value and monthly order count to see your total processing cost.
Shopify's transaction fee is an extra charge applied when you use any payment gateway other than Shopify Payments. The rate is 2% on Basic, 1% on Shopify, 0.5% on Advanced, and 0.15% on Plus. The simplest way to avoid it entirely is to use Shopify Payments as your primary processor. If you need a third-party gateway for business reasons, upgrading your plan reduces the fee percentage.
Not always, but for most stores it is. Shopify Payments eliminates the transaction fee and typically offers competitive processing rates. However, some high-volume merchants negotiate better rates with third-party gateways that offset the transaction fee. Use this calculator to compare: enter your third-party gateway's percentage and fixed fee, then switch to Shopify Payments to see the difference at your current order volume.
Upgrading makes sense when the reduction in processing fees exceeds the increase in plan cost. Going from Basic ($39/mo, 2.9%) to Shopify ($105/mo, 2.6%) saves 0.3% per transaction. That breakeven point is roughly $22,000 in monthly online revenue. Going from Shopify to Advanced ($399/mo, 2.4%) breaks even at around $97,000 per month. The calculator shows you where you land based on your actual volume.
Yes, but the rates are lower. In-person POS processing with Shopify Payments is 2.7% on Basic, 2.5% on Shopify, and 2.4% on Advanced - with no fixed per-transaction fee. There is no transaction fee for in-person sales when using Shopify Payments. Use the in-person percentage slider to reflect your mix of online and physical store sales and see how it affects your total.
Yes. This calculator covers your plan fee, payment processing fees, and transaction fees - the three variable, volume-driven costs. It does not include app subscription costs, theme purchases, domain registration, email marketing fees, Shopify Shipping label costs, or Shopify Capital fees. For most merchants, processing fees are the largest controllable cost, which is why this calculator focuses on them.
Shopify Plus starts at $2,300 per month (fixed, billed monthly or annually). At high revenue, pricing shifts to a revenue-share model of 0.25% of monthly platform revenue, capped at $40,000 per month. Plus merchants using Shopify Payments pay 2.15% + $0.30 per online order and 0.15% transaction fees when using a third-party gateway. This calculator uses the $2,300 fixed starting price for Plus estimates.
Grow revenue without growing fees
99minds plugs directly into Shopify to give you branded gift card programs, loyalty rewards, and referral campaigns - tools that drive repeat purchases and increase order value without increasing your per-transaction cost.