Free Shopify Fee Cost calculator with clear step-by-step results.
Adds the four layers of a Shopify bill: plan subscription, card processing on revenue, a fixed fee per transaction, and app subscriptions - which for many stores exceed the plan cost itself. The third-party gateway surcharge applies only if you do not use the native payment provider.
Processing cost
Processing = revenue x card rate + transactions x fixed fee
Effective rate
Rate % = total monthly cost / monthly revenue x 100
Plan prices, card rates and third-party surcharges vary by country and change periodically. Verify against your current Shopify billing statement.
When the reduced card rate saves more than the extra subscription. At a 0.4 point rate difference, the break-even is around the revenue where 0.004 x revenue exceeds the plan increase.
Shopify applies an additional percentage when you use an external payment provider instead of its own. It usually outweighs any better rate the external gateway offers.