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Work out exactly what Shopify Payments costs you at your volume and average transaction size.
Shopify Payments rates depend on which Shopify plan you are on. Drag both sliders — ticket size changes the answer as much as volume does, because the fixed per-transaction fee is a much bigger share of a small sale.
Ticket size matters as much as volume: the fixed per-transaction fee is what makes small payments expensive.
At $25, the flat $0.30 adds 1.20% on top of the 2.90% headline rate — which is why the effective rate is 4.10%, not 2.90%.
Shopify Payments effective rate by ticket size
For comparison
Shopify Payments prices by plan: higher-tier Shopify subscriptions come with lower card rates. The figures here reflect the Basic plan. Critically, using any third-party gateway instead of Shopify Payments incurs an additional transaction fee on top of whatever that gateway charges.
| Component | Cost |
|---|---|
| Percentage of each transaction | 2.9% |
| Fixed fee per transaction | 30¢ |
A percentage takes the same share of every sale. A fixed fee does not — 30¢ is the same amount on a $5 charge as on a $500 one, so it costs a hundred times more of the small one proportionally.
| Average transaction | Fee | Effective rate |
|---|---|---|
| $5 | $.45 | 8.90% |
| $10 | $.59 | 5.90% |
| $25 | $1.03 | 4.10% |
| $50 | $1.75 | 3.50% |
| $100 | $3.20 | 3.20% |
| $250 | $7.55 | 3.02% |
Shopify Payments suits stores already on Shopify, where the third-party transaction fee makes switching away expensive regardless of the alternative's rate.
For your real blended number across all of those, run one month of statements through the effective rate calculator. To see every provider side by side, use the payment processor fee comparison.
GOOD QUESTIONS
Shopify Payments advertises 2.9% for standard domestic card payments. What you actually pay is higher, because the fixed fee is a larger share of small transactions — at a $10 ticket the effective rate is 5.90%.
Because of the fixed 30¢ per transaction. The percentage is the same on every sale, but the flat fee is a much bigger proportion of a small one. Divide your total monthly fees by your total volume to see the real figure.
Not on the standard plan priced here. Some Shopify Payments products and add-ons carry their own monthly costs, so check the plan you are actually on.
Compare effective rates at your own average ticket size, not headline percentages. A provider with a lower percentage and a higher fixed fee can easily cost more if your transactions are small. The payment processor fee comparison table puts every provider side by side at three ticket sizes.