How to Use This Shopify Fee Calculator (Step-by-Step)
Use this free Shopify fee calculator to understand exactly what Shopify charges on every sale. No signup required — enter your numbers and get instant results.
- Enter your Average Order Value — the average amount customers spend per transaction
- Enter your Monthly Orders — total orders per month
- Select your Shopify Plan — Basic ($39), Shopify ($105), or Advanced ($399)
- Choose your Payment Processor — Shopify Payments has lower fees than third-party gateways
- Results show transaction fees, payment processing costs, plan fees, and your net payout per order
Shopify Fee Structure (2026)
Shopify charges three types of fees:
- Monthly Subscription: $39–$399/month depending on your plan
- Transaction Fee: 0.5–2% when using Shopify Payments, +0.5–2% extra for third-party gateways
- Payment Processing: 2.9%+$0.30 per transaction (Shopify Payments, Basic plan)
Shopify Fee Formulas
Transaction Fee = Order Value × Transaction Rate
Payment Processing = (Order Value × Processing %) + Fixed Fee
Total Fee = Transaction Fee + Payment Processing + (Monthly Plan ÷ Orders)
Net Payout = Order Value − Transaction Fee − Payment Processing
Real-World Example
Scenario: Shopify Basic plan, 200 orders/month, $75 avg order, Shopify Payments
Transaction Fee: $75 × 2% = $1.50/order
Payment Processing: ($75 × 2.9%) + $0.30 = $2.43 + $0.30 = $2.73
Monthly Plan: $39 ÷ 200 = $0.20/order
Total Fees / Order: $1.50 + $2.73 + $0.20 = $4.43
Net Payout / Order: $75.00 − $4.43 = $70.57
Effective Fee Rate: 5.9%
Why Understanding Shopify Fees Matters
Most sellers only think about the monthly plan cost, but transaction and payment processing fees typically cost more than the subscription. A store doing $10,000/month in sales pays $290–$580/month in payment processing alone — far more than the $105 Shopify plan.
- Price correctly: Know your true margins before setting prices
- Compare processors: Shopify Payments vs Stripe vs PayPal — the difference is real money
- Choose the right plan: Higher plans reduce transaction fees — calculate if it pays off
- Forecast cash flow: Model your net revenue at different sales volumes
Frequently Asked Questions
What are Shopify transaction fees in 2026?
Using Shopify Payments: 2% (Basic), 1% (Shopify), 0.5% (Advanced). Using a third-party payment gateway: additional 0.5–2% on top of these rates.
How much does Shopify Payments cost?
Shopify Payments costs: 2.9%+$0.30 (Basic), 2.6%+$0.30 (Shopify), 2.4%+$0.30 (Advanced) per transaction. No extra subscription fee — just the monthly plan.
Do I pay both transaction fees and payment processing fees?
Yes. Shopify charges a transaction fee (for using the platform) AND a payment processing fee (for moving money). Shopify Payments is the only way to avoid transaction fees. Third-party gateways incur both.
How do I reduce Shopify fees?
Switch to Shopify Payments to eliminate third-party transaction fees. Upgrade to a higher plan to reduce Shopify's own transaction rates. Negotiate custom rates with Shopify for high-volume stores (Advanced plan or Shopify Plus).
Is Shopify cheaper than other platforms?
Compared to competitors: WooCommerce + Stripe = ~2.9%+$0.30 (no monthly fee). BigCommerce = 0–1.5% transaction fees + $29–$299/month. Magento = platform fees + payment fees. Shopify's total cost is competitive when you factor in the quality of the platform and app ecosystem.