Calculate total Shopify cost per transaction: Shopify Payments processing + monthly plan amortized + transaction fee if using a third-party gateway.
All calculations run in your browser. Nothing is sent to a server. Last updated: 2026-07-19 · Formula verified against published sources (see below).
Computes the true Shopify cost per order: processing fee on the transaction + your monthly plan cost amortized per order + any third-party gateway fee if you're not using Shopify Payments. The result is what Shopify effectively takes from each sale.
Shopify Payments processing rates by plan Source: blog.dropcommerce.com, yakkyofy.com:
If you use a third-party gateway (e.g. authorize.net) instead of Shopify Payments, Shopify adds an additional 0.5–2% transaction fee depending on plan Source: sleeplessmedia.com, nudgify.com.
Total Shopify cost per order = processing fee + (plan monthly ÷ orders per month) + (third-party fee × selling price)
| Cost | Value |
|---|---|
| Processing fee (2.9% + $0.30 on $40) | $1.46 |
| Plan amortized ($29 ÷ 100) | $0.29 |
| Third-party fee (using Shopify Payments) | $0.00 |
| Total Shopify cost per order | $1.75 |
| Monthly total | $175.00 |
On $4,000 monthly revenue, Shopify takes 4.4% — processing fee plus plan. As you scale to 1000 orders/month, the amortized plan cost drops to $0.029/order, and Shopify's effective take rate falls to ~3.7%.
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