What is the effective Shopify Payments card rate on a small order?
Shopify Payments online standard card fees take 5.9% of a $10 order on Basic and 3.2% of a $100 order in the United States, because of the 30-cent fixed fee. Updated October 19, 2026.
By Martin DejnickiUpdated
Short answer
Shopify Payments online standard card fees take 5.9% of a US$10 order on the Basic plan and 3.2% of a US$100 order, according to Shopify's United States price page, read October 18, 2026. The 30-cent fixed fee applies on every plan, so a $10 order pays 2.7 points more than a $100 order. Effective rates are computed by Deploi.
Standard online card fees take 5.9% of a $10 order on Shopify Basic, against 3.2% of a $100 order
Shopify Payments online card rate plus the 30-cent fixed fee, as a percentage of the order, by plan; purple dot is the order value chosen, 10 dollars by default, gray dot a 100-dollar order, October 2026
Card fees by plan on $10 orders against $100 orders, Canada (CAD)
On $10 orders, standard online card fees take 5.80% on Basic and 5.15% on Plus, against 3.10% and 2.45% on $100 orders.
Showing: Country: Canada (CAD); Average order value: $10. Reset
Standard online card fees on a 10-dollar order on Basic, by country
- United States (USD)
- 5.90%In the United States, standard online card fees take 5.9% of a $10 order on Basic and 5.25% on Plus, against 3.2% and 2.55% of a $100 order.
- Canada (CAD)
- 5.80%In Canada, standard online card fees take 5.8% of a C$10 order on Basic and 5.15% on Plus, against 3.1% and 2.45% of a C$100 order.
Standard online card fees on Basic in the United States, by order value
- How this is calculated: The effective rate is the online card rate times the order value, plus the 30-cent fixed fee, divided by the order value; on a $100 Basic order in the United States, 2.9% plus 30 cents is 3.2%. Rates are Shopify Payments online standard card rates by plan, and the fixed fee is 30 cents on every plan in each country's currency, from Shopify's price pages for the United States and Canada, read October 18, 2026. Premium and other card types, in-person rates, currency conversion and the third-party transaction fee are left out. Computed by Deploi.
- Effective rate is the online card rate plus the 30-cent fixed fee as a share of the order value; computed by Deploi from Shopify's price pages.
- The fixed fee is 30 cents on every plan, so a $10 order pays 2.7 points more than a $100 order on each plan.
- Rates are Shopify Payments online standard card rates; the order value input covers orders from 5 to 1,000 dollars, in each country's own currency.
Source: Shopify pricing pages for the United States and Canada. Effective rates computed by Deploi. Read on .
What this means for your decision
- Pricing a low-value product? Standard online card fees take 5.9% of a $10 order on Shopify Basic against 3.2% of a $100 order, according to Shopify's US price page, October 2026. Set small-basket margins on the effective rate, not on the 2.9% headline rate, because the 30-cent fee is the same amount on every order.
- Upgrading to cut card fees? On a $10 order Plus charges 5.25% against 5.9% on Basic, 0.65 points, while a $100 order pays 2.7 points less than a $10 order on every plan. Basket size moves the rate more than the plan does, and these rates leave out the plan price, which the break-even page adds.
- Selling in Canada? The pattern holds in Canadian dollars: 5.8% of a C$10 order on Basic and 3.1% of a C$100 order. Use the Canadian rows for a Canadian store, since both the rate and the 30-cent fee are in its currency.
- Checking the rate against your payouts? The figures are Shopify Payments online standard card rates plus the fixed fee. They leave out premium and other card types, in-person rates, currency conversion and the third-party transaction fee, so a statement that includes those will show a different blended rate.
How much of a small order do Shopify Payments standard card fees take?
Standard online card fees take 5.9% of a $10 order on Shopify Basic and 5.25% on Plus, against 3.2% and 2.55% of a $100 order, according to Shopify's United States price page, read October 18, 2026. Deploi computes the effective rate as the online card rate plus the 30-cent fixed fee, as a share of the order.
The Country control switches the chart between the United States and Canada. Enter your average order value, from $5 to $1,000 in each country's own currency, to see the share of it that standard online card fees take on each plan. The purple dot moves to that order value; the gray dot stays at a $100 order. In Canada, standard online card fees take 5.8% of a C$10 order on Basic and 5.15% on Plus, against 3.1% and 2.45% of a C$100 order.
The fixed fee is 30 cents on every plan in both countries, so the gap between a $10 and a $100 order is the same on each plan.
What are the Shopify Payments online card rates by plan?
Shopify Payments online standard card rates in the United States are 2.9% plus 30 cents on Basic, 2.7% on Grow, 2.5% on Advanced and 2.25% on Plus, according to Shopify's price page, read October 18, 2026. Canadian rates are 2.8%, 2.6%, 2.4% and 2.15%, each with a 30-cent fee.
| Plan (United States) | Online card rate | $10 order | $25 order | $100 order | $500 order |
|---|---|---|---|---|---|
| Basic | 2.9% | 5.9% | 4.1% | 3.2% | 2.96% |
| Grow | 2.7% | 5.7% | 3.9% | 3% | 2.76% |
| Advanced | 2.5% | 5.5% | 3.7% | 2.8% | 2.56% |
| Plus | 2.25% | 5.25% | 3.45% | 2.55% | 2.31% |
The last four columns are effective rates, computed by Deploi.
How is the effective card rate calculated?
The effective rate is the card rate times the order value, plus the fixed fee, divided by the order value, computed by Deploi from Shopify's price pages for the United States and Canada, read October 18, 2026. On a $100 Basic order the fee is 2.9% plus 30 cents, which is 3.2% of the order.
The fixed fee weighs most on small orders because it is the same amount whatever the basket holds. At $500 the effective rate on Basic falls to 2.96%, close to the 2.9% headline rate.
Does order size or plan move the effective rate more?
Order size moves the effective rate more than plan does in the dataset's United States rows, computed by Deploi from Shopify's price page, read October 18, 2026. Basic goes from 5.9% on a $10 order to 3.2% on a $100 order, while a $10 order costs 5.25% on Plus, the lowest rate of the four plans.
Moving a $10 order from Basic to Plus changes the rate from 5.9% to 5.25%. On any one plan, a $100 order pays 2.7 points less than a $10 order.
Which Shopify Payments charges are not in these rates?
The effective rates cover only Shopify Payments' online standard card percentage and the fixed fee per order, from Shopify's United States and Canada price pages, read October 18, 2026. They exclude the third-party transaction fee, other card types, in-person rates, taxes and any currency conversion, none of which the dataset prices.
Merchants paying through a third-party provider face a separate stack of fees. The third-party gateway page prices it. For the plan-level trade-off, see the plan upgrade break-even page.
The data
Each chart on this page is drawn from the numbers below. Units are in the column headers.
| Country | Plan | Order value (USD or CAD) | Effective rate at the order value (%) | Effective rate on a 100 dollar order (%) |
|---|---|---|---|---|
| United States | Basic | 5 | 8.90 | 3.20 |
| United States | Grow | 5 | 8.70 | 3.00 |
| United States | Advanced | 5 | 8.50 | 2.80 |
| United States | Plus | 5 | 8.25 | 2.55 |
| Canada | Basic | 5 | 8.80 | 3.10 |
| Canada | Grow | 5 | 8.60 | 2.90 |
| Canada | Advanced | 5 | 8.40 | 2.70 |
| Canada | Plus | 5 | 8.15 | 2.45 |
| United States | Basic | 6 | 7.90 | 3.20 |
| United States | Grow | 6 | 7.70 | 3.00 |
| United States | Advanced | 6 | 7.50 | 2.80 |
| United States | Plus | 6 | 7.25 | 2.55 |
| Canada | Basic | 6 | 7.80 | 3.10 |
| Canada | Grow | 6 | 7.60 | 2.90 |
| Canada | Advanced | 6 | 7.40 | 2.70 |
| Canada | Plus | 6 | 7.15 | 2.45 |
| United States | Basic | 8 | 6.65 | 3.20 |
| United States | Grow | 8 | 6.45 | 3.00 |
| United States | Advanced | 8 | 6.25 | 2.80 |
| United States | Plus | 8 | 6.00 | 2.55 |
| Canada | Basic | 8 | 6.55 | 3.10 |
| Canada | Grow | 8 | 6.35 | 2.90 |
| Canada | Advanced | 8 | 6.15 | 2.70 |
| Canada | Plus | 8 | 5.90 | 2.45 |
| United States | Basic | 10 | 5.90 | 3.20 |
| United States | Grow | 10 | 5.70 | 3.00 |
| United States | Advanced | 10 | 5.50 | 2.80 |
| United States | Plus | 10 | 5.25 | 2.55 |
| Canada | Basic | 10 | 5.80 | 3.10 |
| Canada | Grow | 10 | 5.60 | 2.90 |
| Canada | Advanced | 10 | 5.40 | 2.70 |
| Canada | Plus | 10 | 5.15 | 2.45 |
| United States | Basic | 15 | 4.90 | 3.20 |
| United States | Grow | 15 | 4.70 | 3.00 |
| United States | Advanced | 15 | 4.50 | 2.80 |
| United States | Plus | 15 | 4.25 | 2.55 |
| Canada | Basic | 15 | 4.80 | 3.10 |
| Canada | Grow | 15 | 4.60 | 2.90 |
| Canada | Advanced | 15 | 4.40 | 2.70 |
| Canada | Plus | 15 | 4.15 | 2.45 |
| United States | Basic | 20 | 4.40 | 3.20 |
| United States | Grow | 20 | 4.20 | 3.00 |
| United States | Advanced | 20 | 4.00 | 2.80 |
| United States | Plus | 20 | 3.75 | 2.55 |
| Canada | Basic | 20 | 4.30 | 3.10 |
| Canada | Grow | 20 | 4.10 | 2.90 |
| Canada | Advanced | 20 | 3.90 | 2.70 |
| Canada | Plus | 20 | 3.65 | 2.45 |
| United States | Basic | 25 | 4.10 | 3.20 |
| United States | Grow | 25 | 3.90 | 3.00 |
| United States | Advanced | 25 | 3.70 | 2.80 |
| United States | Plus | 25 | 3.45 | 2.55 |
| Canada | Basic | 25 | 4.00 | 3.10 |
| Canada | Grow | 25 | 3.80 | 2.90 |
| Canada | Advanced | 25 | 3.60 | 2.70 |
| Canada | Plus | 25 | 3.35 | 2.45 |
| United States | Basic | 30 | 3.90 | 3.20 |
| United States | Grow | 30 | 3.70 | 3.00 |
| United States | Advanced | 30 | 3.50 | 2.80 |
| United States | Plus | 30 | 3.25 | 2.55 |
| Canada | Basic | 30 | 3.80 | 3.10 |
| Canada | Grow | 30 | 3.60 | 2.90 |
| Canada | Advanced | 30 | 3.40 | 2.70 |
| Canada | Plus | 30 | 3.15 | 2.45 |
| United States | Basic | 40 | 3.65 | 3.20 |
| United States | Grow | 40 | 3.45 | 3.00 |
| United States | Advanced | 40 | 3.25 | 2.80 |
| United States | Plus | 40 | 3.00 | 2.55 |
| Canada | Basic | 40 | 3.55 | 3.10 |
| Canada | Grow | 40 | 3.35 | 2.90 |
| Canada | Advanced | 40 | 3.15 | 2.70 |
| Canada | Plus | 40 | 2.90 | 2.45 |
| United States | Basic | 50 | 3.50 | 3.20 |
| United States | Grow | 50 | 3.30 | 3.00 |
| United States | Advanced | 50 | 3.10 | 2.80 |
| United States | Plus | 50 | 2.85 | 2.55 |
| Canada | Basic | 50 | 3.40 | 3.10 |
| Canada | Grow | 50 | 3.20 | 2.90 |
| Canada | Advanced | 50 | 3.00 | 2.70 |
| Canada | Plus | 50 | 2.75 | 2.45 |
| United States | Basic | 60 | 3.40 | 3.20 |
| United States | Grow | 60 | 3.20 | 3.00 |
| United States | Advanced | 60 | 3.00 | 2.80 |
| United States | Plus | 60 | 2.75 | 2.55 |
| Canada | Basic | 60 | 3.30 | 3.10 |
| Canada | Grow | 60 | 3.10 | 2.90 |
| Canada | Advanced | 60 | 2.90 | 2.70 |
| Canada | Plus | 60 | 2.65 | 2.45 |
| United States | Basic | 75 | 3.30 | 3.20 |
| United States | Grow | 75 | 3.10 | 3.00 |
| United States | Advanced | 75 | 2.90 | 2.80 |
| United States | Plus | 75 | 2.65 | 2.55 |
| Canada | Basic | 75 | 3.20 | 3.10 |
| Canada | Grow | 75 | 3.00 | 2.90 |
| Canada | Advanced | 75 | 2.80 | 2.70 |
| Canada | Plus | 75 | 2.55 | 2.45 |
| United States | Basic | 100 | 3.20 | 3.20 |
| United States | Grow | 100 | 3.00 | 3.00 |
| United States | Advanced | 100 | 2.80 | 2.80 |
| United States | Plus | 100 | 2.55 | 2.55 |
| Canada | Basic | 100 | 3.10 | 3.10 |
| Canada | Grow | 100 | 2.90 | 2.90 |
| Canada | Advanced | 100 | 2.70 | 2.70 |
| Canada | Plus | 100 | 2.45 | 2.45 |
| United States | Basic | 150 | 3.10 | 3.20 |
| United States | Grow | 150 | 2.90 | 3.00 |
| United States | Advanced | 150 | 2.70 | 2.80 |
| United States | Plus | 150 | 2.45 | 2.55 |
| Canada | Basic | 150 | 3.00 | 3.10 |
| Canada | Grow | 150 | 2.80 | 2.90 |
| Canada | Advanced | 150 | 2.60 | 2.70 |
| Canada | Plus | 150 | 2.35 | 2.45 |
| United States | Basic | 200 | 3.05 | 3.20 |
| United States | Grow | 200 | 2.85 | 3.00 |
| United States | Advanced | 200 | 2.65 | 2.80 |
| United States | Plus | 200 | 2.40 | 2.55 |
| Canada | Basic | 200 | 2.95 | 3.10 |
| Canada | Grow | 200 | 2.75 | 2.90 |
| Canada | Advanced | 200 | 2.55 | 2.70 |
| Canada | Plus | 200 | 2.30 | 2.45 |
| United States | Basic | 250 | 3.02 | 3.20 |
| United States | Grow | 250 | 2.82 | 3.00 |
| United States | Advanced | 250 | 2.62 | 2.80 |
| United States | Plus | 250 | 2.37 | 2.55 |
| Canada | Basic | 250 | 2.92 | 3.10 |
| Canada | Grow | 250 | 2.72 | 2.90 |
| Canada | Advanced | 250 | 2.52 | 2.70 |
| Canada | Plus | 250 | 2.27 | 2.45 |
| United States | Basic | 300 | 3.00 | 3.20 |
| United States | Grow | 300 | 2.80 | 3.00 |
| United States | Advanced | 300 | 2.60 | 2.80 |
| United States | Plus | 300 | 2.35 | 2.55 |
| Canada | Basic | 300 | 2.90 | 3.10 |
| Canada | Grow | 300 | 2.70 | 2.90 |
| Canada | Advanced | 300 | 2.50 | 2.70 |
| Canada | Plus | 300 | 2.25 | 2.45 |
| United States | Basic | 400 | 2.98 | 3.20 |
| United States | Grow | 400 | 2.78 | 3.00 |
| United States | Advanced | 400 | 2.58 | 2.80 |
| United States | Plus | 400 | 2.33 | 2.55 |
| Canada | Basic | 400 | 2.88 | 3.10 |
| Canada | Grow | 400 | 2.68 | 2.90 |
| Canada | Advanced | 400 | 2.48 | 2.70 |
| Canada | Plus | 400 | 2.23 | 2.45 |
| United States | Basic | 500 | 2.96 | 3.20 |
| United States | Grow | 500 | 2.76 | 3.00 |
| United States | Advanced | 500 | 2.56 | 2.80 |
| United States | Plus | 500 | 2.31 | 2.55 |
| Canada | Basic | 500 | 2.86 | 3.10 |
| Canada | Grow | 500 | 2.66 | 2.90 |
| Canada | Advanced | 500 | 2.46 | 2.70 |
| Canada | Plus | 500 | 2.21 | 2.45 |
| United States | Basic | 600 | 2.95 | 3.20 |
| United States | Grow | 600 | 2.75 | 3.00 |
| United States | Advanced | 600 | 2.55 | 2.80 |
| United States | Plus | 600 | 2.30 | 2.55 |
| Canada | Basic | 600 | 2.85 | 3.10 |
| Canada | Grow | 600 | 2.65 | 2.90 |
| Canada | Advanced | 600 | 2.45 | 2.70 |
| Canada | Plus | 600 | 2.20 | 2.45 |
| United States | Basic | 750 | 2.94 | 3.20 |
| United States | Grow | 750 | 2.74 | 3.00 |
| United States | Advanced | 750 | 2.54 | 2.80 |
| United States | Plus | 750 | 2.29 | 2.55 |
| Canada | Basic | 750 | 2.84 | 3.10 |
| Canada | Grow | 750 | 2.64 | 2.90 |
| Canada | Advanced | 750 | 2.44 | 2.70 |
| Canada | Plus | 750 | 2.19 | 2.45 |
| United States | Basic | 1,000 | 2.93 | 3.20 |
| United States | Grow | 1,000 | 2.73 | 3.00 |
| United States | Advanced | 1,000 | 2.53 | 2.80 |
| United States | Plus | 1,000 | 2.28 | 2.55 |
| Canada | Basic | 1,000 | 2.83 | 3.10 |
| Canada | Grow | 1,000 | 2.63 | 2.90 |
| Canada | Advanced | 1,000 | 2.43 | 2.70 |
| Canada | Plus | 1,000 | 2.18 | 2.45 |
Download Effective Shopify Payments card rate by order value and plan, United States and Canada as CSV · All 15 columns on the dataset page
Methodology
Reading the chart: Standard online card fees take 5.9% of a $10 order on Shopify Basic, against 3.2% of a $100 order
- How this is calculated: The effective rate is the online card rate times the order value, plus the 30-cent fixed fee, divided by the order value; on a $100 Basic order in the United States, 2.9% plus 30 cents is 3.2%. Rates are Shopify Payments online standard card rates by plan, and the fixed fee is 30 cents on every plan in each country's currency, from Shopify's price pages for the United States and Canada, read October 18, 2026. Premium and other card types, in-person rates, currency conversion and the third-party transaction fee are left out. Computed by Deploi.
- Effective rate is the online card rate plus the 30-cent fixed fee as a share of the order value; computed by Deploi from Shopify's price pages.
- The fixed fee is 30 cents on every plan, so a $10 order pays 2.7 points more than a $100 order on each plan.
- Rates are Shopify Payments online standard card rates; the order value input covers orders from 5 to 1,000 dollars, in each country's own currency.
Caveats: Effective Shopify Payments card rate by order value and plan, United States and Canada
- Rates are Shopify Payments online standard card rates. Other card types, in-person rates, the third-party transaction fee, taxes and currency conversion are not in the dataset.
- The fixed fee is 30 cents on every plan, in US dollars for the United States and Canadian dollars for Canada. Order values of 10, 25, 100 and 500 are in the same currency as the country's rates.
- Effective rates are computed by Deploi as (card rate x order value / 100 + fixed fee) / order value x 100. They are not rates Shopify publishes.
- Shopify can change its rates; the figures are those on the price pages on October 18, 2026.
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.
- Tier AShopify Pricing (Canada, CAD)
Shopify Inc. · HTML · Read on
- Tier AShopify Pricing (United States, USD)
Shopify Inc. · HTML · Read on
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). What is the effective Shopify Payments card rate on a small order? [Web page]. https://deploi.ca/shopify/data/shopify-payments-effective-rate-by-order-value Retrieved October 19, 2026.
BibTeX
@misc{deploi_shopify_payments_effective_rate_by_order_value_2026,
author = {{Deploi}},
title = {What is the effective Shopify Payments card rate on a small order?},
year = {2026},
url = {https://deploi.ca/shopify/data/shopify-payments-effective-rate-by-order-value},
note = {Accessed 2026-10-19}
}Embed this chart
Embed code
<iframe src="https://deploi.ca/embed/shopify/data/effective-card-rate-10-vs-100-order" title="Standard online card fees take 5.9% of a $10 order on Shopify Basic, against 3.2% of a $100 order" loading="lazy" style="width:100%;height:650px;border:0"></iframe> <p style="font:12px/1.4 Arial,sans-serif;margin:4px 0 0">Source: <a href="https://deploi.ca/shopify/data/shopify-payments-effective-rate-by-order-value#chart-effective-card-rate-10-vs-100-order">Deploi, Standard online card fees take 5.9% of a $10 order on Shopify Basic, against 3.2% of a $100 order</a></p>
Keep the credit line under the embed. It is the license condition.
Questions
What is the effective Shopify Payments rate on a $10 order?
The effective rate on a US$10 order is 5.9% on Basic, 5.7% on Grow, 5.5% on Advanced and 5.25% on Plus, according to Shopify's United States price page, read October 18, 2026. Deploi computes it as the card rate plus the 30-cent fixed fee as a share of the order.
Does the 30-cent Shopify Payments fee apply on every plan?
Yes. Shopify's price pages for the United States and Canada, read October 18, 2026, show a fixed fee of 30 cents per online card transaction on Basic, Grow, Advanced and Plus. The fee is in US dollars in the United States and Canadian dollars in Canada.
Which Shopify plan has the lowest effective card rate?
Plus has the lowest effective card rate at every order value in the dataset: 2.55% on a US$100 order and 2.45% on a C$100 order, according to Shopify's price pages read October 18, 2026. Basic has the highest, at 3.2% and 3.1%.
What is the effective rate on a $100 order?
A US$100 order pays 3.2% on Basic, 3% on Grow, 2.8% on Advanced and 2.55% on Plus, according to Shopify's United States price page, read October 18, 2026. Deploi computes these by adding the 30-cent fixed fee to the card rate.
How does Deploi compute the effective rate?
Deploi computes the effective rate as the card rate times the order value, plus the fixed fee, divided by the order value. It uses Shopify Payments online standard rates from Shopify's price pages for the United States and Canada, read October 18, 2026.
More on Costs and fees
- Does an in-house developer cost less than buying agency hours?
A Canadian software developer's median wage equals 83 agency hours a month at C$100 an hour, before employer costs. Updated October 19, 2026.
- How much more does a third-party payment gateway cost on Shopify?
A third-party gateway at Stripe's published US rate costs $1,000 a month more than Shopify Payments on Basic and $425 more on Plus at US$50,000 of monthly sales. Updated October 19, 2026.
- What does a $100 sale cost on Shopify compared with Etsy and Amazon?
A US$100 sale pays $3.20 in per-order fees on Shopify Basic, $9.95 on Etsy and $15.00 on Amazon with a Professional selling plan. Updated October 19, 2026.
- What does a store cost per month on Shopify, Squarespace, BigCommerce and WooCommerce?
At US$50,000 a month in sales, Squarespace Advanced costs $1,499 all-in and Shopify Grow $1,579, with WooCommerce at $1,600 before hosting. Updated October 19, 2026.
- Which checkout surfaces can you customize on each Shopify plan?
Below Plus, apps and APIs reach 2 of 8 checkout surfaces, the thank-you and order status pages, though every plan from Basic can brand all checkout pages. Updated October 19, 2026.
- Which Shopify Plus features are now available on other plans?
Of the 8 features Deploi tracked, Shopify documents 2 that moved from Plus-only to other plans between 2021 and 2026, Shopify Flow in 2022 and B2B in 2026, and 5 that are still Plus-only; the eighth, POS Pro locations, is a quantity. Updated October 19, 2026.
Changes
- · Effective Shopify Payments card rate by order value and plan, United States and Canada
First release. Eight rows (four plans in two countries) read from Shopify's price pages on October 18, 2026, and a calculator grid computed by Deploi: 176 rows, 22 order values for each of the 8 plans (rowType, orderValue, effectiveRatePct, planLabel and countryName).