Shopify Payments rates are tied to the underlying Shopify subscription plan. Basic at $39/month is 2.9% + $0.30. Grow at $105/month is 2.7% + $0.30. Advanced at $399/month is 2.5% + $0.30. Plus, list price from $2,300/month, is indicative 2.25% + $0.30 (often negotiated lower). A third-party gateway carries a 0.2-2% penalty fee on top of its own rate.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Shopify Payments is mandatory-by-economics for any Shopify merchant. The third-party gateway penalty fee (0.2% to 2% on top of the gateway's own rate) usually wipes out any alternative.
For merchants on the Plus plan, the published 2.25% rate is the lowest published online flat-rate in the comparison set, though it ships with a $2,300+/month plan fee.
The number on the homepage of Shopify Payments is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Plan-tied gateway with the lowest online card rate when you commit to Advanced or Plus. Third-party gateway penalty makes the in-house option close to mandatory.