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A third-party gateway at Stripe's list rate adds $1,000 a month on Shopify Basic at US$50,000 in sales

Extra fees a month when paying through a third-party gateway at Stripe's published US rate instead of Shopify Payments, by plan, at the monthly online sales chosen, US$50,000 by default, and a US$100 average order, USD, October 2026

By Martin DejnickiUpdated

Short answer

At US$50,000 of monthly sales and a US$100 average order, a third-party gateway charging Stripe's published US rate costs $1,000 more a month than Shopify Payments on Basic, $600 on Grow, $500 on Advanced and $425 on Plus. On Basic the whole gap is Shopify's 2% third-party transaction fee. Computed by Deploi from the Shopify and Stripe price pages, October 2026.

A third-party gateway at Stripe's list rate adds $1,000 a month on Shopify Basic at US$50,000 in sales

Extra fees a month when paying through a third-party gateway at Stripe's published US rate instead of Shopify Payments, by plan, at the monthly online sales chosen, US$50,000 by default, and a US$100 average order, USD, October 2026

Extra fees a month through a gateway at Stripe's US rate, by plan, at $10,000 in sales

At $10,000 a month, a gateway at Stripe's list rate adds $200 on Basic, $120 on Grow, $100 on Advanced and $85 on Plus over Shopify Payments.

Showing: Monthly online sales: $10,000. Reset

Extra cost on Basic of a gateway at Stripe's rate, by monthly sales

$10,000
$200
$50,000
$1,000
$250,000
$5,000

  • How this is calculated: Extra cost is Shopify's third-party transaction fee (2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus) plus Stripe's published 2.9% minus the plan's Shopify Payments rate (2.9%, 2.7%, 2.5% and 2.25%), times monthly online sales. Both sides charge 30 cents an order, so the US$100 average order the totals assume does not change the gap. Rates come from Shopify's and Stripe's US pricing pages, read October 18, 2026; Stripe's rate stands in for a third-party processor's list price, and a negotiated rate lowers that side. Computed by Deploi.
  • Extra cost is Shopify's third-party transaction fee (2%, 1%, 0.6% and 0.2% by plan) plus the gap between Stripe's 2.9% plus 30 cents and the plan's Shopify Payments rate; computed by Deploi.
  • Shopify Payments is supported in the United States, and Shopify's Help Center says Stripe can't be activated where it is, because Stripe is Shopify Payments' banking partner; Stripe's rate stands in for a third-party processor's list price.
  • Assumes a US$100 average order; Stripe's rate and Shopify Payments both carry 30 cents per order, so the fixed fee does not change the gap.
  • Uses Stripe's published standard US online card rate; a processor's negotiated rate lowers that side.
  • PayPal's published 2.99% plus 49 cents for card payments is on the dataset page; PayPal lists PayPal Checkout at 3.49% plus the fixed fee. The chart prices the Stripe rate only.
  • The table rounds each amount to the dollar, as the chart does, so the two fees and the extra cost in a row may not add up exactly; the dataset page has the exact amounts.

Source: Shopify pricing page (United States) and Stripe pricing page. Fees computed by Deploi. Read on .

The data

Each chart on this page is drawn from the numbers below. Units are in the column headers.

A third-party gateway at Stripe's list rate adds $1,000 a month on Shopify Basic at US$50,000 in sales. Extra fees a month through a gateway at Stripe's US rate, by plan, at $10,000 in sales
Monthly online sales (USD per month)PlanFees, Shopify Payments (USD per month)Fees, third-party gateway at Stripe's rate (USD per month)Extra cost of a third-party gateway (USD per month)
1,000Basic325220
1,000Grow304212
1,000Advanced283810
1,000Plus26349
1,500Basic487830
1,500Grow456318
1,500Advanced425715
1,500Plus385113
2,000Basic6410440
2,000Grow608424
2,000Advanced567620
2,000Plus516817
2,500Basic8013050
2,500Grow7510530
2,500Advanced709525
2,500Plus648521
3,000Basic9615660
3,000Grow9012636
3,000Advanced8411430
3,000Plus7710226
4,000Basic12820880
4,000Grow12016848
4,000Advanced11215240
4,000Plus10213634
5,000Basic160260100
5,000Grow15021060
5,000Advanced14019050
5,000Plus12817043
6,000Basic192312120
6,000Grow18025272
6,000Advanced16822860
6,000Plus15320451
7,500Basic240390150
7,500Grow22531590
7,500Advanced21028575
7,500Plus19125564
10,000Basic320520200
10,000Grow300420120
10,000Advanced280380100
10,000Plus25534085
15,000Basic480780300
15,000Grow450630180
15,000Advanced420570150
15,000Plus383510128
20,000Basic6401,040400
20,000Grow600840240
20,000Advanced560760200
20,000Plus510680170
25,000Basic8001,300500
25,000Grow7501,050300
25,000Advanced700950250
25,000Plus638850213
30,000Basic9601,560600
30,000Grow9001,260360
30,000Advanced8401,140300
30,000Plus7651,020255
40,000Basic1,2802,080800
40,000Grow1,2001,680480
40,000Advanced1,1201,520400
40,000Plus1,0201,360340
50,000Basic1,6002,6001,000
50,000Grow1,5002,100600
50,000Advanced1,4001,900500
50,000Plus1,2751,700425
60,000Basic1,9203,1201,200
60,000Grow1,8002,520720
60,000Advanced1,6802,280600
60,000Plus1,5302,040510
75,000Basic2,4003,9001,500
75,000Grow2,2503,150900
75,000Advanced2,1002,850750
75,000Plus1,9132,550638
100,000Basic3,2005,2002,000
100,000Grow3,0004,2001,200
100,000Advanced2,8003,8001,000
100,000Plus2,5503,400850
150,000Basic4,8007,8003,000
150,000Grow4,5006,3001,800
150,000Advanced4,2005,7001,500
150,000Plus3,8255,1001,275
200,000Basic6,40010,4004,000
200,000Grow6,0008,4002,400
200,000Advanced5,6007,6002,000
200,000Plus5,1006,8001,700
250,000Basic8,00013,0005,000
250,000Grow7,50010,5003,000
250,000Advanced7,0009,5002,500
250,000Plus6,3758,5002,125
300,000Basic9,60015,6006,000
300,000Grow9,00012,6003,600
300,000Advanced8,40011,4003,000
300,000Plus7,65010,2002,550
400,000Basic12,80020,8008,000
400,000Grow12,00016,8004,800
400,000Advanced11,20015,2004,000
400,000Plus10,20013,6003,400
500,000Basic16,00026,00010,000
500,000Grow15,00021,0006,000
500,000Advanced14,00019,0005,000
500,000Plus12,75017,0004,250

Download Shopify Payments versus a third-party gateway: fee stack by plan, United States as CSV · All 15 columns on the dataset page

Methodology

Reading the chart: A third-party gateway at Stripe's list rate adds $1,000 a month on Shopify Basic at US$50,000 in sales

  • How this is calculated: Extra cost is Shopify's third-party transaction fee (2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus) plus Stripe's published 2.9% minus the plan's Shopify Payments rate (2.9%, 2.7%, 2.5% and 2.25%), times monthly online sales. Both sides charge 30 cents an order, so the US$100 average order the totals assume does not change the gap. Rates come from Shopify's and Stripe's US pricing pages, read October 18, 2026; Stripe's rate stands in for a third-party processor's list price, and a negotiated rate lowers that side. Computed by Deploi.
  • Extra cost is Shopify's third-party transaction fee (2%, 1%, 0.6% and 0.2% by plan) plus the gap between Stripe's 2.9% plus 30 cents and the plan's Shopify Payments rate; computed by Deploi.
  • Shopify Payments is supported in the United States, and Shopify's Help Center says Stripe can't be activated where it is, because Stripe is Shopify Payments' banking partner; Stripe's rate stands in for a third-party processor's list price.
  • Assumes a US$100 average order; Stripe's rate and Shopify Payments both carry 30 cents per order, so the fixed fee does not change the gap.
  • Uses Stripe's published standard US online card rate; a processor's negotiated rate lowers that side.
  • PayPal's published 2.99% plus 49 cents for card payments is on the dataset page; PayPal lists PayPal Checkout at 3.49% plus the fixed fee. The chart prices the Stripe rate only.
  • The table rounds each amount to the dollar, as the chart does, so the two fees and the extra cost in a row may not add up exactly; the dataset page has the exact amounts.

Caveats: Shopify Payments versus a third-party gateway: fee stack by plan, United States

  • The average order of US$100 and the monthly sales of US$50,000 are assumptions set by Deploi. They fix the number of orders at 500; the extra cost of the third-party gateway does not depend on the average order, because Stripe's rate and Shopify Payments both carry a 30-cent fixed fee.
  • The third-party stack is Shopify's third-party transaction fee plus Stripe's 2.9% plus 30 cents, Stripe's published standard US online card rate; a processor's negotiated rate lowers that side.
  • Shopify Payments is supported in the United States, and Shopify's Help Center says that where Shopify Payments is supported in the country where a business is located, Stripe can't be activated as a separate payment gateway, because Stripe is Shopify Payments' banking partner. Stripe's published rate stands in here for a third-party processor's list price.
  • PayPal's published 2.99% plus 49 cents, in the table, is its rate for standard credit and debit card payments. PayPal lists PayPal Checkout, Pay with Venmo and PayPal Guest Checkout at 3.49% plus the fixed fee. Deploi did not compute a PayPal stack for the plans, and the dataset does not record a separate Shopify fee treatment for PayPal.
  • Processor fields are empty on plan rows and Shopify fields are empty on processor rows because each applies to one kind of row only. Subscription prices, apps and taxes are excluded.

Deploi's charts and compilation are licensed CC BY 4.0. The underlying facts belong to their sources, which are named on every page. How Deploi Shopify Data works.

Sources

Tier A sources are primary documents: filings, official releases and official price pages. How sources are ranked.

Cite and reuse

Deploi's charts and compilation are licensed CC BY 4.0. The underlying facts belong to their sources, which are named on every page.

APA

Deploi. (2026). A third-party gateway at Stripe's list rate adds $1,000 a month on Shopify Basic at US$50,000 in sales (Version 1) [Chart]. https://deploi.ca/shopify/data/charts/third-party-gateway-extra-cost-by-plan Retrieved October 19, 2026.

BibTeX

@misc{deploi_third_party_gateway_extra_cost_by_plan_2026,
  author = {{Deploi}},
  title = {A third-party gateway at Stripe's list rate adds \$1,000 a month on Shopify Basic at US\$50,000 in sales},
  year = {2026},
  version = {1},
  url = {https://deploi.ca/shopify/data/charts/third-party-gateway-extra-cost-by-plan},
  note = {Accessed 2026-10-19}
}

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Downloads

  • Chart: A third-party gateway at Stripe's list rate adds $1,000 a month on Shopify Basic at US$50,000 in sales PNG
  • Data: Shopify Payments versus a third-party gateway: fee stack by plan, United States CSV

Changes

  1. · Shopify Payments versus a third-party gateway: fee stack by plan, United States
    First release. Four plan rows and two processor rows read from Shopify's, Stripe's and PayPal's US pages on October 18, 2026, and a calculator grid computed by Deploi: 100 rows, 25 monthly sales values for each of the 4 plans (rowType, monthlySalesUsd, paymentsFeesUsd, stripeFeesUsd and extraCostUsd).
Deploi is not affiliated with Shopify. Questions about this data: contact@deploi.ca.