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Payment Gateway Fee Benchmark

Shopify Payments vs Standard Stripe Fee Comparison

Using external Stripe on Shopify incurs an extra 0.5% - 2.0% third-party gateway penalty fee from Shopify. Shopify Payments waives this penalty completely.

Shopify Payments Standard Rate
2.4% - 2.9% + $0.30 (No 2.0% transaction fee penalty)
Standalone Stripe Standard Rate
2.9% + $0.30 (+ 2.0% Shopify third-party penalty)

Shopify Payments Benefits

  • Zero Shopify third-party gateway penalty fees (saves 0.5%-2.0%)
  • Integrated dashboard for payouts & chargebacks
  • Automatic Shop Pay 1-click checkout

Standalone Stripe Benefits

  • Portability across non-Shopify custom platforms
  • Custom merchant account underwriting
  • Higher international payout flexibility
Gateway Verdict

Always use Shopify Payments inside Shopify to avoid paying Shopify’s 2% third-party gateway penalty fee.

Shopify US Fee Calculator

Direct-to-consumer store with Shopify Payments US rate tiers.

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Monthly Order Volume200 units / mo
Net Profit SummaryLive Estimate
Net Profit Per Unit
$21.24
Net Margin: 42.5%•Marketplace Fees: $1.75
Breakdown per $49.99 sale
Monthly Net Profit
$4,248
Monthly Fees Paid
$350
Basic Shopify ($39/mo) Rates
2.9% + 30¢ USD online credit card processing

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Receive payouts from Amazon US, Etsy, and eBay directly in USD without high bank conversion markups.

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Turnkey US company formation, registered agent, and EIN tax ID for global e-commerce sellers.

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Store BuilderSave 90% First 3 Months

Shopify $1/mo Trial

Start your D2C online store with $1/mo special promo

Launch your direct-to-consumer store with official 3-day free trial + $1/month for your first 3 months.

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