Shopify Fee Calculator 2026
Calculate transaction fees, payment processing costs & your real net profit — instantly.
All bars shown as % of sale price
How to Use the Shopify Fee Calculator
Enter Sale Price & Shipping
Type your Shopify product price and any shipping amount you charge the customer. Shopify's payment processing fee applies to the total amount collected, so including shipping gives you accurate results.
Select Your Shopify Plan
Choose your current Shopify plan. Your plan determines the credit card rate (2.15%–2.9%) and whether an extra transaction fee applies. Higher plans have lower rates that can save hundreds per month at scale.
Choose Payment Processor & Add Costs
Select Shopify Payments to avoid extra transaction fees, or Third-Party Gateway if you use Stripe, PayPal, etc. Then enter your product cost, shipping cost, and marketing spend to see your true net profit.
Shopify Seller Fees Explained (2026)
Shopify charges a monthly subscription plus payment processing fees on every sale. Understanding all fee layers before pricing your products is essential to running a profitable Shopify store in 2026.
| Fee Type | Rate / Amount | Applied To | Example on $50 |
|---|---|---|---|
| CC Processing (Basic) | 2.9% + $0.30 | Total charged to customer | $1.75 |
| CC Processing (Shopify plan) | 2.6% + $0.30 | Total charged to customer | $1.60 |
| CC Processing (Advanced) | 2.4% + $0.30 | Total charged to customer | $1.50 |
| CC Processing (Plus) | 2.15% + $0.30 | Total charged to customer | $1.38 |
| Transaction Fee (Basic, 3rd party) | 2% of sale | Only if not using Shopify Payments | $1.00 |
| Transaction Fee (Shopify plan, 3rd party) | 1% of sale | Only if not using Shopify Payments | $0.50 |
| Transaction Fee (Advanced, 3rd party) | 0.5% of sale | Only if not using Shopify Payments | $0.25 |
| Transaction Fee (Plus, 3rd party) | 0.15% of sale | Only if not using Shopify Payments | $0.08 |
| Basic Plan Entry | $39/month | Up to 2 staff accounts | — |
| Shopify Plan Popular | $105/month | Up to 5 staff accounts | — |
| Advanced Plan | $399/month | Up to 15 staff accounts + advanced reports | — |
| Shopify Plus | from $2,300/month | Unlimited staff + enterprise features | — |
*Annual billing saves approximately 25% on Basic, Shopify, and Advanced plans.
Shopify Payments Credit Card Rates by Plan (2026)
Shopify Payments eliminates additional transaction fees and offers competitive processing rates that decrease as you upgrade your plan. Here's the full breakdown for US-based sellers in 2026.
| Plan | Online Card Rate | In-Person Rate | 3rd-Party Fee (if not using Shopify Payments) |
|---|---|---|---|
| Basic ($39/mo) | 2.9% + $0.30 | 2.6% + $0.10 | 2% extra |
| Shopify ($105/mo) | 2.6% + $0.30 | 2.5% + $0.10 | 1% extra |
| Advanced ($399/mo) | 2.4% + $0.30 | 2.4% + $0.10 | 0.5% extra |
| Plus (from $2,300/mo) | 2.15% + $0.30 | 1.7% + $0.00 | 0.15% extra |
Frequently Asked Questions — Shopify Seller Fees 2026
Tips to Improve Your Shopify Profit Margin
Use Shopify Payments to eliminate transaction fees
Switching from a third-party gateway to Shopify Payments saves 0.5%–2% per sale. At $10,000/month revenue on the Basic plan, that's up to $200/month saved — essentially paying for your plan subscription twice over.
Calculate your plan upgrade break-even point
Each plan tier reduces your processing rate. Use this calculator to find the monthly revenue at which upgrading saves more in fees than the higher monthly cost. For Basic to Shopify plan, that break-even is roughly $8,000–10,000/month.
Build shipping into product prices
Processing fees apply to the full customer charge. Offering "free shipping" and folding the cost into your product price doesn't change total fees, but it reduces cart abandonment and simplifies your pricing. Customers strongly prefer free shipping.
Use AOV-boosting strategies to amortize the fixed $0.30
The $0.30 fixed fee per transaction hits hardest on small orders. Upsells, bundles, and minimum order thresholds increase your average order value, diluting the fixed-fee impact and lowering your effective rate. A $100 order pays $0.30 per $100 vs a $10 order paying $0.30 per $10.