Shopify Payments vs Third-Party Gateway Calculator
Enter your gateway's rates and your Shopify plan to see a side-by-side comparison — including Shopify's third-party surcharge, monthly totals, and which option saves you money.
$
$
Third-Party Gateway Fees
%
$
$
Winner
Shopify Payments
Saves $300.00/mo
Annual Savings
$3,600.00
With Shopify Payments
Monthly Transactions
300
$50.00 avg order
Rate Difference
2.00%
3.50% vs 5.50%
Shopify Payments
Cheaper$525.00/mo
3.50% effective rate
Card rate2.9% + $0.30
Per transaction$1.75
Shopify surcharge$0.00
Annual total$6,300.00
Third-Party Gateway
$825.00/mo
5.50% effective rate
Gateway rate2.9% + $0.30
Per transaction$1.75
Shopify surcharge (2%)+$1.00/tx
Annual total$9,900.00
Shopify Payments saves $300.00/mo ($3600/yr) — clear winner
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