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Shopify does not charge one flat rate. What you pay depends on your plan, whether the customer paid online or in person, and whether you use Shopify Payments or an outside gateway. This calculator applies the current published US rates for each combination and shows the exact fee and the amount you actually receive.
Shopify Payments charges a percentage of the order plus a small fixed fee per transaction, and the percentage drops as you move up plans. On the Basic plan, online card payments cost 2.9% plus 30 cents. The Shopify plan drops that to 2.6% plus 30 cents, and Advanced drops it further to 2.4% plus 30 cents. In-person payments through a card reader carry a lower fixed fee, 10 cents instead of 30, because card-present transactions carry less fraud risk for the processor.
A $100 order on the Basic plan through Shopify Payments online costs 2.9% of $100, which is $2.90, plus the 30 cent fixed fee, for a total of $3.20. You would receive $96.80.
If you use a payment provider other than Shopify Payments, PayPal or a regional gateway for example, Shopify still charges a fee for processing the order through its platform, on top of whatever that gateway charges you directly. That extra fee is 2% on Basic, 1% on the Shopify plan, and 0.5% on Advanced. It exists because Shopify built and maintains the checkout, even when it is not the one moving the money.
This is the main reason most merchants stick with Shopify Payments once they are set up: skipping it does not remove a fee, it adds one on top of your gateway's own cost.
The percentage savings from upgrading plans only pay for themselves once your monthly sales volume is high enough to offset the higher subscription price. A store doing $5,000 a month in online sales saves roughly $15 a month in card fees by moving from Basic to the Shopify plan, which is worth checking against the plan price difference before you upgrade.
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