Processors

Shopify Payments as a Stripe alternative

Shopify Payments is a payment service provider. On November 9, 2026 the rate line is 2.9% + $0.30 on Basic, online standard cards. The dispute line is Not in the plan table we read. Confirm the billed row before you leave Stripe.

Type: Payment service provider
Pricing: Flat rate
Card rate: 2.9% + $0.30 on Basic, online standard cards
Dispute fee: Not in the plan table we read
Payouts: Not in the plan table we read.
Where: Rates below are Shopify's US price list.
Underwriting: Tied to the Shopify store. Shopify can restrict businesses the way other instant-onboard processors do.
What it replaces: Processing inside Shopify. It does not help a business that is not on Shopify, and it is a weak escape hatch if Shopify Payments declines the same business Stripe declined.

Pricing page · Website

What is Shopify Payments?

Shopify Payments is card processing built into Shopify. The online rate depends on the Shopify plan. Using a different processor on Shopify adds a separate Shopify fee. The plan price is on top of processing.

Who should choose Shopify Payments?

Shopify Payments fits: Stores already on Shopify that want the lowest card rate Shopify offers. A listing here is not an approval, and a published rate is not a quote.

Who should look elsewhere?

What Shopify Payments replaces: Processing inside Shopify. It does not help a business that is not on Shopify, and it is a weak escape hatch if Shopify Payments declines the same business Stripe declined. Look elsewhere when you need something outside that.

Underwriting: Tied to the Shopify store. Shopify can restrict businesses the way other instant-onboard processors do.

How does Shopify Payments charge?

Shopify Payments has 9 fee lines in this dataset, each read on November 9, 2026. Headline rate: 2.9% + $0.30 on Basic, online standard cards.

Fee	Amount	Source
Basic, online standard cards	2.9% + $0.30	Source
Grow, online standard cards	2.7% + $0.30	Source
Advanced, online standard cards	2.5% + $0.30	Source
Plus, online standard cards	2.25% + $0.30	Source
Basic, online premium cards	3.5% + $0.30	Source
Online international	+1% on each plan in the US table	Source
Basic, in person	2.6% + $0.10	Source
Third-party processor fee	2% on Basic, 1% on Grow, 0.6% on Advanced, 0.2% on Plus. This is Shopify's fee, added to the other processor.	Source
Basic plan price	$39 a month, or $29 a month billed yearly, before processing.	Source

What does Shopify Payments cost at $10,000, $100,000, and $1 million a month?

The arithmetic below uses a $50 average ticket and successful charges only. It is not a quote for international cards or disputes.

Monthly volume	Stripe US cards	Shopify Payments, Basic, online standard cards
$10,000.00	$350.00 (200 × $0.30 + 2.9% of $10,000.00)	$350.00 (200 × $0.30 + 2.9% of $10,000.00)
$100,000.00	$3,500.00 (2000 × $0.30 + 2.9% of $100,000.00)	$3,500.00 (2000 × $0.30 + 2.9% of $100,000.00)
$1,000,000.00	$35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00)	$35,000.00 (20000 × $0.30 + 2.9% of $1,000,000.00)

Processing only. The Basic plan is $39 a month, or $29 a month billed yearly, and is not in this row. Premium cards on Basic are 3.5% + $0.30.

Where does Shopify Payments operate?

Coverage: Rates below are Shopify's US price list. That is where Shopify Payments operates, not a list of industries it accepts.

Do not treat a processor logo as an industry approval. If the business is on Stripe's prohibited list, switching the logo does not make the card payment lawful. The restricted-business guide is the map of Stripe's own words.

How does Shopify Payments differ from Stripe?

Stripe is a payment service provider at 2.9% + $0.30 for US domestic cards, read November 9, 2026, and it can review an account after you have started processing. Shopify Payments is a payment service provider with the rate line 2.9% + $0.30 on Basic, online standard cards and the dispute line Not in the plan table we read.

Shopify Payments and Stripe can both process cards, and the bill still depends on which published row matches the payment type you actually take.

How do you switch from Stripe to Shopify Payments?

Stripe's data export page, read November 10, 2026, says Stripe transfers saved cards only to a PCI DSS Level 1 processor and does not export subscriptions or payment history. The switching guide covers what moves, what needs Stripe's approval, and how to keep subscriptions billing. Read it before you cancel the Stripe account.

Export Stripe customers, prices, and dispute history while the dashboard still allows it.
Ask Shopify Payments, in writing, whether it can receive a card transfer from Stripe. The switching guide names the providers whose own pages describe one.
Recreate plans and the next billing date. Run five real customers in a test mode, including one annual plan and one past-due plan.
Map webhooks and payout reconciliation before the cutover. Do not bill the same period on both systems.
If Stripe has already closed the account, plan for customers to enter cards again.

What usually goes wrong?

The dispute fee is the small line. The disputed amount and the card-network ratio are the ones that close accounts.

The other failure is comparing a different product, such as a merchant-of-record percent or a gateway monthly fee, to Stripe's card rate as if they were the same line.

Which providers are similar?

These listings share Shopify Payments's type. The order is alphabetical, not a rank.

Square: 3.3% + $0.30 online · 2.6% + $0.15 in person.
Stax: Subscription + interchange.
Stripe: 2.9% + $0.30.
Worldpay: Custom.

Also read Stripe's fee breakdown and the pricing dataset.

What does Shopify Payments publish as its card rate?

Shopify Payments's rate line in this directory is 2.9% + $0.30 on Basic, online standard cards, read on November 9, 2026. Use that line only for the product it describes.

What is Shopify Payments's dispute fee?

Shopify Payments's dispute line is Not in the plan table we read. Stripe's published fee to receive a dispute is $15 on the same date, November 9, 2026.

Is Shopify Payments the merchant of record?

Shopify Payments is a payment service provider, not a merchant of record in this directory. You remain the merchant unless a contract you sign says otherwise.

Where does Shopify Payments operate?

Rates below are Shopify's US price list. That is the coverage note stored with the November 9, 2026 reading. It is not a list of merchant category codes Shopify Payments has approved.

Should you leave Stripe for Shopify Payments?

Only when this is the fit: Stores already on Shopify that want the lowest card rate Shopify offers. If the Stripe account is healthy and Stripe's other products are part of why you chose it, staying is often the smaller move. Shopify Payments does not become a yes just because it is on this page.

How much is Shopify Payments at $10,000 a month?

At $10,000 a month and a $50 ticket, Shopify Payments, Basic, online standard cards is $350.00 using the published rate read on November 9, 2026. Stripe on the same assumptions is $350.00. Processing only. The Basic plan is $39 a month, or $29 a month billed yearly, and is not in this row. Premium cards on Basic are 3.5% + $0.30.

Which sources were checked?

Shopify Payments has 9 fee lines in this dataset. Each one links to the page it was read from.

Last verified November 9, 2026.

Which related pages should you read next?

Open the Stripe profile before you treat a single percent as the whole decision.