Stripe vs Shopify Payments
Stripe vs Shopify Payments compares published lines. Stripe's US domestic cards are 2.9% + $0.30, read November 9, 2026. Shopify Payments is listed at 2.9% + $0.30 on Basic, online standard cards. Dispute fees that day: Stripe $15 received, and Shopify Payments Not in the plan table we read.
What is the verdict on Stripe vs Shopify Payments?
Shopify Payments publishes 2.9% + $0.30 on Basic, online standard cards, read on November 9, 2026. Stripe's US domestic card rate on that date is 2.9% + $0.30.
If the store is on Shopify, Shopify Payments on the Basic plan matches Stripe's 2.9% + $0.30 for online standard cards, and using Stripe anyway can add Shopify's third-party fee of 2% on Basic. If the store is not on Shopify, Shopify Payments is not available, and the Shopify plan is a software cost you should not take on just to get a processor.
How do Stripe and Shopify Payments compare on features?
Shopify Payments is a payment service provider with the dispute line Not in the plan table we read, read on November 9, 2026. Stripe's dispute line on that date is $15 received.
| Feature | Stripe | Shopify Payments |
|---|---|---|
| Card rate | 2.9% + $0.30 | 2.9% + $0.30 on Basic, online standard cards |
| Dispute fee | $15 received | Not in the plan table we read |
| Pricing | Flat rate | Flat rate |
| Payout | Standard schedule free. Instant 1.5%, minimum $0.50. | Not in the plan table we read. |
| Region | Global. Rates here are the US list prices. | Rates below are Shopify's US price list. |
| Underwriting | Instant signup. Stripe can review, restrict, or close the account later. | Tied to the Shopify store. Shopify can restrict businesses the way other instant-onboard processors do. |
| Merchant of record | ||
| In the fee calculator |
What does Stripe vs Shopify Payments cost at $10,000, $100,000, and $1 million a month?
The dollar columns use a $50 average ticket and successful charges only, on rates read November 9, 2026. Shopify Payments's published line is 2.9% + $0.30 on Basic, online standard cards.
Stripe
Published standard rate, read November 9, 2026.
- Manually entered cards. +0.5%
- International cards. +1.5%
- Currency conversion. +1% when required
Shopify Payments
on Basic, online standard cards. Published standard rate, read November 9, 2026.
- Grow, online standard cards. 2.7% + $0.30
- Advanced, online standard cards. 2.5% + $0.30
- Plus, online standard cards. 2.25% + $0.30
| Monthly volume | Stripe, $50 ticket | Shopify Payments |
|---|---|---|
| $10,000 | $350.00 | $350.00 |
| $100,000 | $3,500.00 | $3,500.00 |
| $1 million | $35,000.00 | $35,000.00 |
Read on November 9, 2026 from each provider's pricing page. A figure that says "from" is a floor, not the rate a business is charged. International cards, currency conversion, and disputes are not inside these totals. Stripe pricing · Shopify Payments pricing
Where does Stripe win, and where does Shopify Payments win?
Stripe wins on the job in the left column. Shopify Payments wins on the job in the right column, at the rate 2.9% + $0.30 on Basic, online standard cards read on November 9, 2026.
Stripe wins when
You are not on Shopify, or you are on Shopify Plus and you have a negotiated processor that still wins after Shopify's third-party fee.
Shopify Payments wins when
You are on Shopify and the plan's card rate, plus the plan you were going to pay anyway, is the whole stack you need.
How do underwriting and account stability differ?
Stripe's underwriting note is instant signup, with the right to review later, as recorded on November 9, 2026. Shopify Payments's note is: Tied to the Shopify store. Shopify can restrict businesses the way other instant-onboard processors do.
A live API key is not the same thing as a written approval. If Stripe closed the account for the business model, an instant-onboard processor can reach the same answer after you have moved customers. A prohibited category does not become lawful because the logo changed.
How do you switch from Stripe to Shopify Payments?
Stripe's data export page, read on 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 is the longer checklist.
- Export Stripe customers, prices, and disputes while the dashboard still allows it.
- Ask Shopify Payments in writing whether a Stripe token import exists. This page does not claim one.
- Recreate plans and run five real customers in a test, including one annual plan.
- Map webhooks before cutover. Do not bill the same period twice.
- If the Stripe account is already closed, plan for customers to enter cards again.
What did Shopify Payments publish on the pricing page?
Shopify Payments contributed 9 fee lines to this comparison, read on November 9, 2026. The headline beside those lines is 2.9% + $0.30 on Basic, online standard cards.
Basic, online standard cards
2.9% + $0.30
Grow, online standard cards
2.7% + $0.30
Advanced, online standard cards
2.5% + $0.30
Plus, online standard cards
2.25% + $0.30
Basic, online premium cards
3.5% + $0.30
Online international
+1% on each plan in the US table
Basic, in person
2.6% + $0.10
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.
Basic plan price
$39 a month, or $29 a month billed yearly, before processing.
Where is the source page?
These figures were last updated November 9, 2026. The provider's own page is the source.