Shopify fee calculator: what payments cost you per order
Shopify's headline card rate is only part of the bill. The 30 cent fixed fee, the share of customers paying with Amex or an overseas card, and the third-party fee if you use another payment provider all add up. Enter your order value and mix to see what payment and transaction fees cost per order and per month, and which plan is cheapest at your volume.
Fills the rate fields below. Every rate stays editable, so enter your own if they differ.
The shares are example figures: read yours from your Shopify payouts. Everything else is paid at the standard rate. Each rate adds the fixed fee above.
Shopify charges the third-party fee only when you use another provider; the card rates above then become that provider's rates. Plan fees are the monthly-billing prices; yearly billing is lower.
Each A$90.00 order pays A$2.02 in payment fees, an effective rate of 2.24% against a headline of 1.7%.
Monthly card fees plus the monthly-billing plan fee, using each plan's published Shopify Payments rates with your order value, volume and card mix.
A blended rate, a fixed fee, then the plan
Each order pays a percentage that depends on the card used, plus a fixed amount. Blend the percentages by your card mix, add the fixed fee, and multiply by orders. Small orders feel the fixed fee most: 30 cents is 0.3% of a A$100 order and 1.5% of a A$20 one.
Default rates from Shopify's published Australian pricing (shopify.com/au/pricing), checked September 2026: online standard card 1.7%, 1.55%, 1.35% and 1.15% + 30c on Basic, Grow, Advanced and Plus; Amex 2.9%, 2.8%, 2.7% and 2.6% + 30c; international 3.5%, 3.4%, 3.3% and 3.2% + 30c; third-party transaction fee 2%, 1%, 0.6% and 0.2%; plans A$56, A$149 and A$575 a month billed monthly, Plus from A$3,700. Shopify can change these at any time, and Plus rates are negotiated, so check your own admin.
Order value, volume and card mix are demonstrative numbers. Change a number in the calculator and this example follows.
Fees are small per order and large per year
A couple of percent looks like rounding until you set it against contribution margin rather than revenue.
Read fees against margin
Two percent of revenue on a product with a 30% contribution margin is about a fifteenth of what the order keeps. Put fees in the step-down with the contribution margin calculator.
Upgrade on arithmetic
A higher plan costs more each month and charges less per order. The plan comparison above shows where the lines cross at your own volume and card mix.
Not every cost is here
Currency conversion, chargebacks, apps and instalment providers charge on their own terms. Add them to the rates if they apply to your store.
Questions operators ask
Through Shopify Payments, online domestic card payments on the Basic plan were 1.7% + 30c per transaction when we checked Shopify's Australian pricing page in September 2026, falling to 1.55% on Grow and 1.35% on Advanced. Amex and international cards cost more. Check your own admin for current rates, and edit the fields above to match.
If you take payments through a provider other than Shopify Payments, Shopify adds its own fee on each order: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus at the time of checking. You still pay that provider's card fees as well. Switch the provider toggle to see both together.
Two reasons. The fixed 30c counts for more on small orders, and Amex and international cards carry higher percentages. On a A$90 order with 10% of orders on Amex and 5% international, the default example pays 2.24% overall against a 1.7% headline. The smaller your orders, the wider that gap.
When the fee saving at your volume is more than the extra monthly plan fee. The comparison panel works this out for your card mix and prints the monthly order value where each upgrade starts to pay. Plan choice also brings features beyond fees, so treat the result as the fee side of the decision only.
The real fee on every order
This page blends one card mix into one rate. Blufire computes the step-down per order, customer and SKU, reconciled to your ledger, so payment fees sit in CM2 at what each order actually paid, beside shipping, fulfilment and returns.