How much does Shopify take per sale in 2026?

When you use Shopify Payments (which waives Shopify's additional third-party transaction fee), online domestic credit card fees are 2.9% + $0.30 per transaction on Shopify Basic ($39/mo), 2.7% + $0.30 on Shopify Grow ($105/mo), 2.5% + $0.30 on Shopify Advanced ($399/mo), and ~2.15% + $0.30 on Shopify Plus ($2,300/mo). If you use an external payment gateway instead of Shopify Payments, Shopify charges an additional 2.0% (Basic), 1.0% (Grow), 0.6% (Advanced), or 0.2% (Plus) fee on top of your processor's rate.

At what monthly sales volume should I upgrade from Shopify Basic to Grow or Advanced?

Using Shopify Payments on monthly billing, upgrading from Basic ($39/mo at 2.9%) to Grow ($105/mo at 2.7%) costs $66 more per month and saves 0.2% (0.002) on card volume—so the exact mathematical break-even point is $33,000/month in sales ($66 ÷ 0.002 = $33,000; or $25,000/month on annual billing where the price gap is $50/mo). Upgrading from Grow ($105/mo at 2.7%) to Advanced ($399/mo at 2.5%) costs $294 more per month and saves another 0.2%—breaking even at $147,000/month in sales ($110,000/month on annual billing).

What extra fees does Shopify charge for international orders and currency conversion?

For U.S. merchants using Shopify Payments, international credit cards add a +1.0% cross-border card surcharge (making Basic 3.9% + $0.30 instead of 2.9% + $0.30), and orders paid in a currency different from your payout currency add a +1.5% currency conversion fee in the U.S. (+2.0% in most other regions).

Does Shopify refund the 2.9% + $0.30 processing fee when a customer returns an item?

No. Like Stripe and PayPal, Shopify Payments does not return the original credit card processing fee (2.9% + $0.30) when you issue a customer refund. High return rates therefore erode your net margin by both the return shipping cost and the unrefunded payment processing fee.

🛍️ 2026 Shopify Pricing & Payment Economics · Basic vs. Grow vs. Advanced vs. Plus

Shopify Fee Calculator (2026): Per-Order Profit, Plan Upgrade Break-Even & ROAS

Calculate your exact Shopify Payments credit card fees (2.9% + $0.30 down to 2.15% + $0.30), third-party gateway surcharges (2.0% to 0.2%), and international currency conversion fees. Find the exact monthly sales volume where upgrading from Basic ($39) to Grow ($105) or Advanced ($399) pays for itself, and calculate your Break-Even ROAS.

✔️ Basic ($39) vs. Grow ($105) vs. Advanced ($399) ✔️ Exact Monthly GMV Upgrade Break-Even ✔️ Unit Profit Margin & Break-Even ROAS

Built by R.K. · Last verified: October 21, 2026 · Checked against Shopify Official 2026 Plan Pricing, Shopify Help Center Transaction Fee Rules, and Shopify Plus Rate Benchmarks.

🧮 Interactive Shopify Fee, Plan Upgrade Break-Even & ROAS Calculator

Subscription Billing Cycle:

Step 1: Shopify Plan, Order Value & Gateway

Your Current Shopify Plan

Payment Processor Used Using an external gateway adds Shopify’s surcharge on top of Stripe/PayPal.

Average Order Value — AOV ($ / order) Customer checkout total (including shipping/tax collected).

Orders per Month 500 orders × $85 AOV = $42,500/mo gross sales.

Product COGS + Fulfillment / Shipping ($ / order) Manufacturing + packaging + postage per order.

Order Type (Domestic vs. International Card)

Your Shopify Fee & Net Profit Verdict

Net Profit per Order $50.24 59.1% net margin after COGS & Shopify fees

Shopify Fee per Order -$2.77 3.25% effective fee on $85.00 order

Monthly Net Profit (After Plan Fee) $25,079 On $42,500/mo GMV across 500 orders

Cheapest Plan for Your Volume Shopify Grow Upgrading to Grow saves +$19/mo!

Monthly Gross Merchandise Value (GMV)$42,500.00 / mo

Monthly Payment Processing Fees-$1,382.50 / mo

3rd-Party Gateway Surcharge (0% on Shopify Payments)-$0.00 / mo

Monthly Plan Subscription Fee-$39.00 / mo

Total Monthly Shopify Cost (% of Revenue)$1,421.50 / mo (3.34%)

Live 4-Plan Total Cost Comparison at Your Volume ($42,500/mo GMV · 500 Orders)

Shopify Plan Tier	Monthly Sub Fee	Online Card Rate	3rd-Party Surcharge	Your Monthly Processing + Sub Total	Exact Upgrade Break-Even GMV
Shopify Basic	$39 / mo ($29 ann)	2.9% + $0.30	2.0%	$1,421.50 / mo	Best from $0 to $33,000/mo GMV
Shopify Grow (Best Fit)	$105 / mo ($79 ann)	2.7% + $0.30	1.0%	$1,402.50 / mo (Lowest!)	Beats Basic above $33,000/mo ($25K ann)
Shopify Advanced	$399 / mo ($299 ann)	2.5% + $0.30	0.6%	$1,611.50 / mo	Beats Grow above $147,000/mo ($110K ann)
Shopify Plus	$2,300 / mo	~2.15% + $0.30	0.2%	$3,363.75 / mo	Beats Advanced above ~$543,000/mo GMV

Step 1: Unit Economics & Paid Ad Target Margin

Product Selling Price / AOV ($)

Landed COGS + Shipping + Packaging ($)

Shopify Processing Rate (%) 2.9% Basic · 2.7% Grow · 2.5% Advanced (+ $0.30 fixed).

Desired Net Profit Margin After Ads (%) E.g. 20% net profit kept after Meta/TikTok/Google ad spend.

Break-Even ROAS & Target CPA Verdict

Break-Even ROAS 1.57× Minimum ROAS to lose $0 on ads

Max Break-Even CPA ($ / Order) $54.24 63.8% pre-ad contribution margin

Target ROAS (For 20% Net Profit) 2.28× Leaves $17.00 net profit per order

Target CPA (For 20% Net Profit) $37.24 Max ad spend per customer acquired

Shopify Fee Deducted per Order-$2.77

Contribution Margin Before Ads ($ and %)$54.24 (63.8%)

Profit Kept per Order at Target ROAS$17.00 / order

📦 Selling across multiple channels? Compare your Shopify margins against Amazon FBA, TikTok Shop, or standalone Stripe invoicing.

Amazon FBA Calculator → Break-Even ROAS Calculator →

✅ 3 Shopify Fee Rules That Save Store Owners Thousands in 2026: (1) The $33,000/mo Basic-to-Grow Upgrade Cliff: Upgrading from Shopify Basic ($39/mo at 2.9%) to Shopify Grow ($105/mo at 2.7%) costs $66/mo extra and saves 0.2% on every card transaction—meaning the exact moment your store crosses $33,000/month in sales ($25,000/mo on annual billing), staying on Basic actually costs you money! (2) The External Gateway Penalty: Using an external payment gateway instead of Shopify Payments triggers an extra 2.0% penalty on Basic—dropping the Basic-to-Grow upgrade break-even to just $5,500/month in sales. (3) Annual Billing Saves 25%: Switching from monthly to annual billing saves $120/yr on Basic, $312/yr on Grow, and $1,200/yr on Advanced.

Quick Answer: How much does Shopify charge per sale and when should you upgrade plans?

When using Shopify Payments (which waives extra transaction fees), online domestic credit card fees are 2.9% + $0.30 on Basic ($39/mo), 2.7% + $0.30 on Grow ($105/mo), 2.5% + $0.30 on Advanced ($399/mo), and ~2.15% + $0.30 on Plus ($2,300/mo). Based on the 0.2% processing rate drop between tiers, upgrade from Basic to Grow at $33,000/month in sales ($25,000/mo on annual billing), from Grow to Advanced at $147,000/month ($110,000/mo annual), and from Advanced to Plus around $543,000/month.

1. 2026 Shopify Plan Fees & Upgrade Break-Even Table

Here is the complete 2026 fee schedule across all four standard Shopify plans (Shopify Official Pricing) along with the exact monthly Gross Merchandise Value (GMV) where the lower credit card processing rate pays for the higher subscription tier:

Shopify Plan	Monthly / Annual Price	Online Card Rate (Shopify Payments)	In-Person POS Rate	3rd-Party Gateway Surcharge	Upgrade Break-Even GMV (Shopify Payments)
Shopify Basic	$39/mo ($29/mo annual)	2.9% + $0.30	2.6% + $0.10	2.0%	Cheapest from $0 to $33,000/mo ($25K/mo annual)
Shopify Grow (Shopify)	$105/mo ($79/mo annual)	2.7% + $0.30	2.5% + $0.10	1.0%	Cheapest from $33,000 to $147,000/mo ($25K–$110K ann)
Shopify Advanced	$399/mo ($299/mo annual)	2.5% + $0.30	2.4% + $0.10	0.6%	Cheapest from $147,000 to $543,000/mo ($110K–$571K ann)
Shopify Plus	$2,300/mo (3-yr term)	~2.15% + $0.30	2.15% + $0.10	0.2%	Beats Advanced above ~$543,000/mo GMV (or earlier with B2B/checkout features)

2. Frequently Asked Questions: Shopify Fees & Profit Margins (2026)

How do you calculate the exact monthly sales needed to upgrade Shopify plans?

Divide the monthly subscription price difference by the processing rate savings decimal: Break-Even Monthly Sales = (Higher Plan Price − Lower Plan Price) ÷ (Lower Plan Rate − Higher Plan Rate). For Basic ($39 at 2.9%) to Grow ($105 at 2.7%), ($105 − $39) ÷ (0.029 − 0.027) = $66 ÷ 0.002 = $33,000/month. If you also use an external third-party payment gateway, your rate savings jumps to 1.2% (0.2% card + 1.0% gateway fee), dropping the break-even to just $5,500/month!

Does Shopify charge both the 2.9% + $0.30 fee AND the 2.0% transaction fee?

No, not if you use Shopify Payments! When you activate Shopify Payments (powered by Stripe), Shopify waives the 2.0% / 1.0% / 0.6% third-party transaction fee completely, so you only pay the 2.9% / 2.7% / 2.5% + $0.30 credit card processing rate. You only pay the extra 2.0% third-party fee if you bypass Shopify Payments and process cards through an external gateway.

How does Shop Pay Installments (BNPL) affect my Shopify fees?

While standard Shop Pay accelerated checkout charges the same 2.9% + $0.30 rate as regular Shopify Payments, Shop Pay Installments (Buy Now, Pay Later powered by Affirm) typically charges 5.0% to 5.9% + $0.30 per transaction. Because BNPL often lifts Average Order Value (AOV) by 20%–40%, make sure your product gross margin is at least 55%+ before enabling installment payments on low-ticket items.

Official E-Commerce Pricing Sources & References

Explore More E-Commerce, Marketplace & SaaS Calculators

⚠️ E-Commerce Fee Disclaimer: This calculator provides directional profit and fee estimates based on Shopify’s published U.S. rate cards current as of October 2026. Rates vary by country, Amex/commercial card mix, Shop Pay Installments usage, and custom Shopify Plus enterprise contracts. Ultimate Info Guide is an independent publication and is not affiliated with or endorsed by Shopify Inc.