# Stripe vs Shopify Payments

Title: Stripe vs Shopify Payments: fees

Description: Compare Shopify Payments with Stripe. Stripe's US rate is 2.9% + $0.30. Shopify Payments: 2.9% + $0.30 on Basic, online standard cards. Read November 9, 2026.

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.

# Stripe vs Shopify Payments

Using Shopify's built-in processing compared with taking cards through Stripe.

[Shopify Payments](https://www.shopify.com/payments?ref=https%3A%2F%2Fwww.stripealternatives.com)

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.

| 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 | No | No |
| In the fee calculator | Yes | Yes |

## Pricing

- Stripe: 2.9% + $0.30
- Shopify Payments: 2.9% + $0.30 on Basic, online standard cards

## With Stripe

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.

## With Shopify Payments

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.

## On the pricing page

- **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.

## Questions

### Is Shopify Payments lower than Stripe on the published line?

At $10,000 a month and a $50 ticket, Shopify Payments, Basic, online standard cards is $350.00 and Stripe is $350.00, using rates read on November 9, 2026. 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.

### What is Shopify Payments's dispute fee versus Stripe's?

Shopify Payments lists Not in the plan table we read. Stripe lists $15 when a dispute is received. Both lines were read on November 9, 2026.

### How does Shopify Payments underwrite compared with Stripe?

Tied to the Shopify store. Shopify can restrict businesses the way other instant-onboard processors do. Stripe signs businesses up quickly and can review them later. A listing on this page is not an approval.

### When should you keep Stripe instead of Shopify Payments?

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.

### When should you choose Shopify Payments?

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.

### Can Stripe card tokens move to Shopify Payments?

This page does not claim that Shopify Payments imports Stripe tokens. Ask in writing. Stripe's data export page, read on November 10, 2026, says Stripe transfers card data only to a PCI DSS Level 1 processor.

## Sources

Last verified November 9, 2026.

- Stripe: https://stripe.com/?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe pricing: https://stripe.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Shopify Payments: https://www.shopify.com/payments?ref=https%3A%2F%2Fwww.stripealternatives.com
- Shopify Payments pricing: https://www.shopify.com/pricing?ref=https%3A%2F%2Fwww.stripealternatives.com
- Stripe: payment data export: https://docs.stripe.com/get-started/data-migrations/pan-export?ref=https%3A%2F%2Fwww.stripealternatives.com

## Related

- [Stripe pricing profile](/alternatives/stripe.md)
- [Shopify Payments profile](/alternatives/shopify-payments.md)
- [How to switch from Stripe](/guides/switching-from-stripe.md)
- [How Stripe's US fees add up](/guides/stripe-fees-explained.md)
- [Fee calculator](/tools/fee-calculator.md)
- [Lowest published fees](/best/lowest-fees.md)
- [All Stripe comparisons](/compare.md)
- [Stripe vs Helcim](/compare/stripe-vs-helcim.md)
- [Stripe vs Mollie](/compare/stripe-vs-mollie.md)
- [Stripe vs Frame](/compare/stripe-vs-frame-payments.md)