Shopify Transaction Fee Calculator
Card rate, and the surcharge for not using Shopify Payments.
Calculate Shopify transaction fees on an order: the Shopify Payments card rate by plan, or a third-party gateway plus Shopify's surcharge.
Transaction cost
$2.76
3.25% of the order
Card processing applies to the total billed, including shipping and tax, so the effective rate against revenue you keep is always a little above the headline. Rates last verified August 2026. Platforms change fees without much notice, every rate here is editable, and you should check the current schedule before pricing against it.
How the Shopify Transaction Fee Calculator works
Shopify charges for payments in one of two ways, and merchants routinely model only half of it. Use Shopify Payments and you pay a card rate that falls as the plan rises. Use anyone else and you pay that provider's rate plus a Shopify surcharge for the privilege, which on the entry plan is large enough to outweigh most gateway savings.
Also known as: Shopify payment fee calculator · Shopify card rate calculator
Not financial advice. Marketplace fees change, and they vary by country, plan and seller status. Every rate here is an editable default, not a quoted price, check the platform's current fee schedule before you price a product against it. This is not tax or business advice.
Frequently asked questions
What are Shopify's transaction fees?
With Shopify Payments, a percentage plus a flat amount per online card transaction, with the percentage falling on higher plans. With a third-party gateway, that provider's own fees plus a Shopify surcharge on the order value, which also falls with the plan.
Does Shopify charge a fee if I use PayPal or Stripe?
Shopify applies its third-party surcharge to transactions settled outside Shopify Payments, on top of whatever that provider charges. That is the fee people are surprised by, because it is charged by Shopify for a payment Shopify did not process.
How do I avoid Shopify's transaction fee?
Use Shopify Payments where it is available in your country, which removes the surcharge entirely. Where it is not available there is no way to avoid it, and the surcharge should simply be modelled as part of the cost of selling.
Do the fees apply to shipping and tax?
Card processing is charged on the total amount the customer was billed, which includes shipping and any tax collected. That is why the effective rate against the revenue you keep is always a little above the headline percentage.
Put this calculator on your own site
Free to use, on any site, commercial or not. Paste this where you want it to appear. It is a plain iframe, so it works in WordPress, Squarespace, Wix, Webflow, Ghost and anything else that accepts HTML.
<iframe src="https://www.thecalclibrary.com/embed/shopify-transaction-fee-calculator" width="100%" height="640" style="border:1px solid #e2e8f0;border-radius:12px" loading="lazy" title="Shopify Transaction Fee Calculator"></iframe>The only condition is that the credit line stays visible. It sits inside the frame, so you do not have to do anything to keep it.