Shopify Stripe Fee Calculator

The only calculator built specifically for Shopify stores using Stripe — including Shopify's additional third-party gateway fee, which most calculators miss.

Quick take: This free calculator estimates your monthly Stripe costs on Shopify — including the third-party gateway fee that most calculators miss. Enter revenue, order count, and plan to see your real effective rate. All figures are estimates; actual fees depend on merchant account terms and negotiated pricing.

Your Shopify Store

$
Total monthly sales through Stripe
#
Number of transactions per month
Your payment processor and plan
%
Estimated % of orders from international cards (+1% fee)
Shopify adds 0.5%–2% extra transaction fee for third-party gateways
#
$15 per disputed transaction

Results

🧮

Enter your store details and click Calculate

How Stripe Fees Work for Shopify Stores

Stripe charges a standard fee of 2.9% + $0.30 per transaction for online card payments in the US. This means for every $100 sale, Stripe takes $3.20, leaving you with $96.80.

Stripe Fee Structure

Fee Type Rate Applies To
Standard online card 2.9% + $0.30 All US card transactions
International cards +1% Cards issued outside US
Currency conversion +1% Non-USD transactions
Chargebacks $15 Disputed transactions
ACH transfers 0.8% (capped at $5) Bank transfer payments

Shopify's Hidden Transaction Fee When Using Stripe

If you use Stripe instead of Shopify Payments, Shopify charges an additional 0.5%–2% transaction fee on every sale, on top of Stripe's standard 2.9% + $0.30. This is one of the most commonly overlooked costs for Shopify sellers.

Shopify Plan Third-Party Gateway Fee Effective Rate (Stripe + Shopify)
Basic Shopify ($39/mo) 2.0% 4.9% + $0.30
Shopify ($105/mo) 1.0% 3.9% + $0.30
Advanced Shopify ($399/mo) 0.5% 3.4% + $0.30
Shopify Plus ($2,300/mo) 0.15% 3.05% + $0.30

Key insight: Stripe's own rate is always 2.9% + $0.30 — it does not decrease with your Shopify plan. The Shopify plan only affects the additional gateway surcharge. On the Basic plan, using external Stripe costs you an extra 2% on every sale. For a store doing $25K/month, that's $500/month or $6,000/year in extra fees. Switching to Shopify Payments eliminates this surcharge entirely.

Source: Shopify's official pricing page (shopify.com/pricing), verified September 2026. Rates may vary by country and account type.

Shopify Payments vs Stripe: Which Is Cheaper?

If you use Shopify Payments instead of Stripe, your rates depend on your Shopify plan:

Plan Monthly Cost Online Rate Effective Rate on $100
Stripe Standard $0 2.9% + $0.30 $3.20
Shopify Basic $39 2.9% + $0.30 $3.20
Shopify $105 2.6% + $0.30 $2.90
Advanced Shopify $399 2.4% + $0.30 $2.70
Shopify Plus $2,300 2.15% + $0.30 $2.45

Key insight: Upgrading your Shopify plan can save you money on processing fees once you hit a certain volume. For example, the Shopify plan ($105/mo) pays for itself when you process more than ~$35,000/month compared to Basic.

Source: Stripe official pricing (stripe.com/pricing) and Shopify official pricing (shopify.com/pricing), verified September 2026.

How to Reduce Stripe Fees

Frequently Asked Questions

What percentage does Stripe take per sale?
Stripe charges 2.9% + $0.30 per online card transaction in the US. For a $50 order, that's $1.75 in fees (2.9% of $50 = $1.45 + $0.30 fixed = $1.75), leaving you with $48.25.
Is Stripe free for Shopify stores?
Stripe has no monthly fee — you only pay per transaction. However, if you don't use Shopify Payments, Shopify charges an additional 0.5%–2% transaction fee on top of Stripe's fees, depending on your plan.
Should I use Stripe or Shopify Payments?
If you're on the Basic Shopify plan, both charge 2.9% + $0.30. On higher plans, Shopify Payments offers lower rates (2.6% or 2.4%). Shopify Payments also saves you from Shopify's extra transaction fees. Most stores are better off with Shopify Payments unless you need Stripe-specific features.
How much does Stripe cost annually for my store?
Use the calculator above to estimate. As a rough guide: at $10K/month with 200 orders, Stripe fees are about $350/month or $4,200/year. At $50K/month with 1,000 orders, fees are about $1,750/month or $21,000/year.
Are there hidden fees with Stripe?
Stripe is transparent about fees, but watch for: international card fees (+1%), currency conversion (+1%), chargebacks ($15 each), and instant payouts (1% additional fee). The calculator above accounts for international cards.
Does Shopify charge extra fees if I use external Stripe instead of Shopify Payments?
Yes. Shopify charges an additional third-party payment gateway fee of 0.5%–2% on top of Stripe's standard fees, depending on your plan. Basic Shopify pays 2%, Shopify pays 1%, Advanced pays 0.5%, and Shopify Plus pays 0.15%. For a $25K/month store on Basic, that's $500/month in extra fees.
What is the effective Stripe fee rate for small Shopify orders?
The fixed $0.30 per-transaction fee hits small orders hardest. A $10 order pays $0.59 (2.9% + $0.30) = 5.9% effective rate. A $50 order pays $1.75 = 3.5%. A $100 order pays $3.20 = 3.2%. This is why increasing average order value directly reduces your effective processing cost.
How much do Stripe chargebacks cost for Shopify merchants?
Each chargeback costs $15 in fees, plus you lose the disputed revenue. If you win the dispute, the $15 fee is sometimes refunded. A 1% chargeback rate on 500 monthly orders means 5 disputes = $75/month in fees alone, plus lost revenue. Keep your chargeback rate below 0.5% to avoid Stripe's monitoring programs.
Can I negotiate lower Stripe rates?
Yes. Once you process more than ~$80,000/month, contact Stripe sales to discuss custom pricing. High-volume businesses can often get 2.2% + $0.30 or lower. Have your processing volume and chargeback rate ready when negotiating.

Track Your Real Profit Per SKU — Not Just Stripe Fees

Stripe fees are only one line item. COGS, shipping, ad spend, and refunds all eat into your margin. See true profit per SKU and know exactly when to reorder.

Shopify Profit Tracker Amazon Profit Tracker Restock System Stripe MCP Prompt Pack ($19)

Disclaimer: This tool provides estimation only. Real Stripe / Shopify fees depend on your account agreement, region, negotiated pricing, chargebacks, and currency situation. Always cross-check against official Stripe and Shopify billing dashboards.