Shopify Payments
Shopify Payments's cheapest published rate is 1.5% + 25p online (UK Advanced). Pricing model: flat-rate. Monthly fee: $0. Dispute fee: $15 (refundable on win). Cross-border: Per plan. FX: 1.5% currency conversion (US).
Tier table (vendor-published)
| Tier | Rate | Notes |
|---|---|---|
| Basic online (UK) | 2.0% + 25p | - |
| Grow online (UK) | 1.7% + 25p | - |
| Advanced online (UK) | 1.5% + 25p | - |
| Third-party surcharge | 0.6% to 2% | - |
Source: https://www.shopify.com/payments (verified 2026-06-19).
What Shopify Payments is best for
- Merchants already on Shopify who want zero third-party-gateway surcharge.
- UK and EU Shopify Advanced merchants who get 1.5% + 25p online, the cheapest published online card rate.
Hidden costs and gotchas
Rates step down by Shopify plan. US rates similar structure (2.9%/2.6%/2.4% online on Basic/Grow/Advanced). Third-party gateways incur a 0.6%-2% surcharge.
- Third-party gateways trigger a 0.6%-2% Shopify surcharge on top of the gateway's own rate.
- US Shopify rate structure (2.9%/2.6%/2.4% by plan) differs from UK.
- $15 chargeback fee, refundable on win.
FAQ
Why bother with Shopify Payments?
Because using anything else costs you 0.6%-2% extra on every transaction. That surcharge alone usually beats the savings from switching gateways.
What is the UK Advanced rate?
1.5% + 25p online, the cheapest published card-present rate in this comparison apart from interchange-plus pricing.
See the full vendor index, run the cross-vendor cost calculator, or read how we verify every rate.