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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%•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

Break-Even Ad Simulator & Target ROAS / ACoS

Know your maximum advertising limits before losing money on Meta, TikTok, or Amazon PPC ads.

Ad Margin Guard
Minimum Required ROAS
1.60x

If your ad campaign ROAS drops below 1.60x, your sale becomes unprofitable.

Maximum Target CAC
$31.24

You can spend up to $31.24 per customer acquisition to break even.

Target Amazon PPC ACoS Cap
62.5%

Keep your Amazon PPC Sponsored Products ACoS under 62.5% to protect margin.

Unified 5-Marketplace Net Profit Comparison

Live side-by-side net profit breakdown for a $49.99 product across all major US platforms.

Best: Shopify US (+$21.24)
Amazon FBA US
$11.64
Net Margin: 23.3%
Est. Fee:$11.35
Shopify US#1 Margin
$21.24
Net Margin: 42.5%
Est. Fee:$1.75
TikTok Shop US
$18.24
Net Margin: 36.5%
Est. Fee:$4.75
Etsy US
$17.79
Net Margin: 35.6%
Est. Fee:$5.20
eBay US
$16.07
Net Margin: 32.1%
Est. Fee:$6.92

Recommended US Seller Infrastructure

Reduce banking fees, keep payouts in USD, and manage e-commerce cashflow.

Active Partner ($$$)Save $500 Legal Fees

Doola Official Partner

Form US LLC & Get EIN Online for Non-US Founders

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

Form US LLC via Doola
Open PartnerSave 2.5% FX Markups

Payoneer for E-Com

Multi-currency receiving accounts for Amazon, Etsy & eBay

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

Claim $50 Sign-Up Bonus
LLC FormationSave $500 Legal Fees

Firstbase.io US LLC

Form US LLC & Get EIN Online for Non-US Founders

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

Form US Company
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.

Start $1 Shopify Store