Shopify fees, explained in plain English.

Every Shopify fee, one at a time.

The plan price

A flat monthly charge on your Shopify bill. In the US it is $39 for Basic, $105 for Grow and $399 for Advanced on monthly billing, or $29, $79 and $299 a month when you pay for a year. Plus is sold on terms: $2,300 a month on a 3-year term or $2,500 on a 1-year term, and Shopify says a variable platform fee may apply to larger stores.

On October 23, 2026 Shopify was testing its yearly prices: some visitors saw $89 for Grow and $359 for Advanced instead of the figures above, which are from its standard pricing page.

Card processing with Shopify Payments

Shopify Payments charges a percentage of the payment plus a small fixed amount, once per payment rather than per item. In the US that is 2.9% + 30¢ online on Basic, down to 2.25% + 30¢ on Plus, and 2.6% + 10¢ to 2.3% + 10¢ in person. Rates differ by country: in the UK Basic pays 2% + 25p, in Canada 2.8% + 30¢ and in Australia 1.7% + 30¢.

One assumption. Shopify does not say in words whether the card rate applies to shipping and tax as well as the products. Card processing normally covers the full amount charged, and the calculators here work it that way.

Shopify transaction fees on other payment providers

If a payment goes through a provider other than Shopify Payments, Shopify charges its third-party transaction fee: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. It is worked on the products less discounts, plus tax and shipping, and it is billed on your Shopify bill rather than taken from the payment. The provider's own fee comes on top.

So a $100.00 order through another provider on Basic pays Shopify $2.00, and at a typical 2.9% + 30¢ the provider takes another $3.20.

The fee is not charged on:

• orders paid through Shopify Payments, Shop Pay or Shop Pay Installments
• manual payment methods such as cash on delivery, bank deposits and draft orders marked as paid
• point of sale orders
• PayPal orders, when Shopify Payments is your main payment provider

One newer rule: stores created on or after May 12, 2025 pay the transaction fee on the part of an order paid with store credit or a gift card, even when they use Shopify Payments.

If you run Shopify Payments next to another card provider, the payments Shopify Payments still handles (Shop Pay, local payment methods) cost its standard rate plus 1.25%, and cards taken by the other provider pay the transaction fee.

Cards from abroad and premium cards

In the US, a card issued in another country adds 1% to the plan's rate, so Basic's online rate becomes 3.9% + 30¢. US business, corporate and commercial cards and every American Express card pay a premium tier: 3.5% + 30¢ on Basic down to 2.95% + 30¢ on Plus.

Other countries list a separate international rate that replaces the domestic one, for example 3.1% + 25p on Basic in the UK. In Ireland, Germany and France, cards from elsewhere in the European Economic Area count as domestic.

Currency conversion

When a customer pays in a currency other than your payout currency, Shopify Payments charges a conversion fee of 1.5% in the US and 2% in its other regions. Since April 6, 2026 it is worked on the full order amount. Shopify converts at the mid-market rate and adds no markup of its own; PayPal orders through Shopify Payments pay 3% instead.

Refunds

When you refund an order, Shopify keeps the original card fee, though it charges nothing extra for the refund itself. Nor are transaction fees, currency conversion fees or Shop Pay Installments fees returned. The refunded amount comes out of your next payout, or from your bank account if the payout is too small.

Take a $60.00 order on Basic with $7.00 of postage, refunded in full after delivery and put back in stock. You return the $60.00, Shopify keeps its $2.04 card fee, and the postage is gone: the order ends $9.04 down.

PayPal

A US store that uses Shopify Payments adds PayPal through Shopify Payments itself, at a rate Shopify lists as starting at 3.49% + 49¢, with no transaction fee. A store whose main provider is not Shopify Payments can connect its own PayPal account: PayPal's standard US rate for PayPal Checkout is 3.49% + 49¢ (PayPal's fee page, updated October 1, 2026), and Shopify adds its transaction fee on top.

Selling in person

In-person card payments through Shopify Payments cost 2.6% + 10¢ on Basic down to 2.3% + 10¢ on Plus in the US, and point of sale orders never pay the transaction fee. POS Pro is an add-on at $89 a month per location on Basic, Grow and Advanced. Plus includes 20 POS Pro locations; up to 200 with Shopify Payments.

Tax on Shopify's own fees

Shopify adds tax to its processing fees in the European Union, Australia, Switzerland and Singapore. In the UK, and in the EU outside Ireland, it applies a 0% reverse charge, so you account for the VAT yourself. Shopify's Irish rates are shown excluding VAT.

Shop Pay Installments

Stores in the US, Canada and the UK that use Shopify Payments and Shop Pay can offer it. Shopify does not publish the merchant rate on its public pages; it shows it in your admin, and says it already includes the normal processing fee. There is no transaction fee on these orders, and the fee is not returned on a refund.

Smaller charges worth knowing

• Payouts to a bank account in another currency cost 1.5% on Advanced and 1% on Plus (1% and 0.75% for US stores).
• On Plus, capturing a payment after the standard 7-day authorization period costs 1.75%.
• Apps you install bill through Shopify on top of the plan, at whatever each app charges.

Starter, Retail and Agentic

Starter and Retail are closed to new stores; the Starter guide covers what we could confirm about them. Shopify also lists an Agentic plan with no monthly fee for selling through AI channels only, with the online store kept behind a password.