Question 1

How much does Shopify Payments charge per transaction in 2025?

Accepted Answer

Shopify Payments charges 2.9% + $0.30 per online transaction on the Basic plan ($39/month), 2.6% + $0.30 on the Shopify Grow plan ($105/month), and 2.4% + $0.30 on the Advanced plan ($399/month). In-person rates are slightly lower: 2.7% for Basic, 2.5% for Shopify, and 2.4% for Advanced (no fixed fee). For example, a $100 online sale on Basic incurs $3.20 in fees, leaving you with $96.80.

Question 2

What is the difference between Shopify plans for payment processing?

Accepted Answer

The main difference is the processing rate: Basic ($39/month) charges 2.9% + $0.30 online, Shopify Grow ($105/month) charges 2.6% + $0.30, and Advanced ($399/month) charges 2.4% + $0.30. On $10,000 monthly sales, Basic pays $320 in fees vs $270 on Shopify ($50 savings minus $66 higher plan cost = -$16 net) vs $250 on Advanced. You need about $22,000/month to justify Shopify plan, and $147,000/month to justify Advanced plan.

Question 3

What are Shopify international card fees?

Accepted Answer

Shopify charges an additional 1.5% fee for international cards on US stores, and 2% for international cards on non-US stores. This is ON TOP of the base processing fee. For example, a $100 sale from an international card on a US store on the Basic plan costs: 2.9% + $0.30 base fee ($3.20) + 1.5% international fee ($1.50) = $4.70 total, leaving $95.30 net.

Question 4

What are Shopify third-party payment gateway fees?

Accepted Answer

If you use a third-party payment gateway instead of Shopify Payments (like PayPal, Stripe, etc.), Shopify charges an additional transaction fee: 2% on Basic, 1% on Shopify Grow, and 0.6% on Advanced. These fees are IN ADDITION to what the payment gateway charges. For example, using PayPal on Basic plan costs PayPal's 2.99% + $0.49 PLUS Shopify's 2% third-party fee. Always use Shopify Payments when possible to avoid these extra fees.

Question 5

Does Shopify charge currency conversion fees?

Accepted Answer

Yes, Shopify charges 1.5% for currency conversion on US stores and 2% on non-US stores when payments are made in a different currency than your payout currency. This is separate from international card fees. For example, a USD store receiving a €100 payment (~$110 USD) on the Basic plan pays: 2.9% + $0.30 base ($3.49) + 1.5% conversion fee ($1.65) = $5.14 total fees if the card is international.

Question 6

How much are Shopify chargeback fees?

Accepted Answer

Shopify charges $15 USD per chargeback dispute, regardless of whether you win or lose the dispute. This is IN ADDITION to losing the sale amount and processing fees if you lose. For example, if a customer disputes a $100 sale and wins: you lose $100 (refunded to customer), you lose the processing fees (~$3.20), AND you pay $15 chargeback fee = $118.20 total loss. Prevent chargebacks with clear refund policies, tracking numbers, and fraud detection.

Question 7

Is Shopify Payments cheaper than Stripe or PayPal?

Accepted Answer

Shopify Payments (2.9% + $0.30 on Basic) is the same price as Stripe (2.9% + $0.30) for online payments, but cheaper than PayPal (2.99% + $0.49). However, using Shopify Payments avoids the additional 2% third-party transaction fee that Shopify charges when using other gateways. For $10,000/month sales: Shopify Payments costs $320 in fees, Stripe costs $320 + $200 third-party fee = $520, PayPal costs $349 + $200 = $549. Always use Shopify Payments to avoid the extra 2% fee.

Question 8

What happens to Shopify fees when I issue a refund?

Accepted Answer

When you issue a full refund through Shopify Payments, you receive the percentage fee back (2.9%) but NOT the fixed fee ($0.30). For a $100 sale with $3.20 in fees: upon refund, you pay back $100 to the customer, receive $2.90 back from Shopify, but lose the $0.30 fixed fee permanently. Partial refunds return a proportional percentage fee. This is better than Square which keeps all fees on refunds.

Question 9

Can I use Shopify Payments for in-person sales?

Accepted Answer

Yes, Shopify Payments works for in-person sales using Shopify POS with a card reader. In-person rates are slightly lower: 2.7% for Basic, 2.5% for Shopify Grow, and 2.4% for Advanced (no fixed fee). For example, a $100 in-person sale on Basic costs $2.70 vs $3.20 for online, saving $0.50 per transaction. Use Shopify POS hardware for retail locations to benefit from lower in-person rates.

Question 10

Which Shopify plan is best for high volume stores?

Accepted Answer

For stores doing $22,000-$147,000 monthly in sales, the Shopify Grow plan ($105/month) offers the best value with 2.6% + $0.30 fees. For stores exceeding $147,000/month, the Advanced plan ($399/month) with 2.4% + $0.30 fees saves money despite the higher monthly cost. For example, at $150,000/month sales: Basic costs $4,439/month in fees, Shopify costs $3,975, Advanced costs $3,699 - saving $740/month compared to Basic.

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