Free tool · Fees

Shopify Fee Calculator

See exactly what Shopify keeps from each order and what lands in your bank account, by plan and payment type.

100% free
No sign-up
Runs in your browser

Shopify plan

Order total

Orders per month

Premium card (Amex or business card)

International card

Using a third-party payment provider

Not Shopify Payments, e.g. a separate card processor.

Shopify fee per order

$3.20

You receive

$96.80

Effective fee rate

3.20%

Monthly cost incl. plan

$679

Standard US rates, last checked October 25, 2026. Your actual rate can differ by country, plan or negotiated pricing. Sources: Shopify Pricing (plan comparison table).

Rates are for US stores using Shopify Payments; card rates and plan prices differ in other countries. Shopify's US pricing page lists a separate higher 'premium card' rate that includes American Express and business cards (e.g. 3.5% + 30¢ on Basic). International cards add +1% on every plan. Third-party transaction fees apply only when you use a payment provider other than Shopify Payments, and are charged on top of that provider's own processing fees. Yearly billing lowers plan prices to $29 / $79 / $299 per month (Basic / Grow / Advanced). Shopify Plus is listed as 'Starts at $2,300 USD/mo'; the actual price depends on a sales quote. In-person (POS) card rates are lower: 2.6% / 2.5% / 2.4% / 2.3% + 10¢.

How much does Shopify take from each order?

Every Shopify order loses a slice to payment processing before the money reaches you. How big that slice is depends on three things: the plan you are on, where the customer's card was issued, and whether you use Shopify Payments or a third-party payment gateway. The calculator above combines those variables into four numbers you can actually use: the processing fee, any extra transaction fee, your net payout and your effective fee as a percentage of the order.

The live rates used in the calculator are maintained separately and updated when Shopify changes its pricing, so you do not need to look them up yourself.

When to use the shopify fee calculator

Best for

Comparing Shopify plans
Checking the cost of a third-party gateway
Feeding net payout into ad targets

Not the right pick for

Your gateway's own fees — use the Stripe or PayPal fee calculator
Etsy sales — use the Etsy fee calculator

How it works

1
Pick your plan
Choose your current or planned Shopify plan.
2
Enter the order total
Include shipping and tax if charged at checkout.
3
Set toggles
Turn on international card or third-party gateway if they apply.
4
Read the results
See total fees, net payout and effective fee percentage.

How to use the calculator

Pick your Shopify plan. Higher plans pay lower card rates, so the plan is the biggest single input.
Enter the order total the customer pays, including shipping and tax if they are charged at checkout.
Toggle international card if the buyer's card was issued outside your store's country. Cross-border cards carry a higher rate.
Toggle third-party gateway if you process payments through PayPal, Stripe, Authorize.net or another provider instead of Shopify Payments.
Read the results: total fees, net payout and effective fee percentage.

The fee components explained

Card processing fee

With Shopify Payments, each card transaction is charged a percentage of the order plus a small fixed amount per transaction. The percentage drops as you move up plans. Because the fixed portion does not shrink with order size, small orders always have a higher effective fee rate than large ones. Try a low order value and then a high one in the calculator above and watch the effective percentage move.

International card surcharge

When a customer pays with a card issued in another country, Shopify adds an extra percentage on top of the standard rate. If a meaningful share of your sales comes from abroad, run your typical order value with the toggle on and off to see the real gap.

Third-party transaction fee

If you use an outside gateway, Shopify charges its own transaction fee on top of whatever that gateway charges. This is the fee most store owners overlook. The calculator shows the Shopify portion; remember that your gateway's own processing fee is still due on top (you can estimate it with our Stripe fee calculator or PayPal fee calculator).

Effective fee percentage

This is total fees divided by the order total. It is the number to compare across plans, gateways and order sizes because it folds the fixed and percentage parts into one figure.

Worked examples

Plan comparison. Enter your average order value, then switch between plans. Multiply the difference in fees by your monthly order count. If that saving is larger than the difference in subscription price, upgrading pays for itself.
Gateway check. Enter the same order with the third-party toggle on. The added Shopify transaction fee plus your gateway's fees is the true cost of keeping that gateway.
Small-order reality. Enter your cheapest product's price. If the effective fee rate is high, consider a minimum order for free shipping or bundling low-priced items.

Common mistakes

Ignoring the fixed per-transaction fee. It is negligible on large orders and painful on small ones.
Forgetting the gateway double charge. Using an outside gateway means paying two parties.
Leaving fees out of ad math. Payment fees reduce the margin your ads have to work with. Feed your net payout, not the order total, into the break-even ROAS calculator so your Google Ads targets reflect what you actually keep.
Treating refunds as free. On many payment setups, processing fees on refunded orders are not returned. Check your current terms.

Tips to reduce Shopify fees

Use Shopify Payments where it is available to avoid the extra third-party transaction fee.
Re-check your plan once a quarter. As volume grows, a higher plan's lower card rate can outweigh its higher subscription.
Raise average order value with bundles, volume pricing or free-shipping thresholds so the fixed fee is spread over more revenue.
Track international sales separately so you know how much cross-border surcharges really cost you.
Keep chargebacks low with clear product descriptions, fast shipping and responsive support. Dispute fees add up quickly.

Free tool vs having us run your Google Ads

	Free tool (do it yourself)	Mercantads does it for you
Know your numbers	Calculate them here	Targets set from your real margins and data
Campaigns	Learn and build them yourself	Shopping, Performance Max and Search built for you
Optimization	Whenever you find time	Weekly search terms, bids, budgets and feed updates
Results	Depends on your time and experience	A Google Partner team focused on your profit

Talk to us

FAQ

Frequently Asked Questions

Yes. The subscription covers the platform, while every card payment carries a processing fee, and stores using a third-party gateway also pay a Shopify transaction fee per order.

Part of each card fee is a fixed amount per transaction. On a small order that fixed amount is a much larger share of the total, which pushes the effective percentage up.

Yes, if the customer pays them at checkout. Processing fees are charged on the full amount captured, not just the product price.

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