Shopify pricing looks simple on the pricing page: pick a plan, pay a monthly fee. What you actually pay depends on three more things: the card rate on every sale, the fee Shopify adds when you use another payment provider, and the extras most stores need. This guide puts all of it in one place, with US prices as of October 2026 and the math on when a bigger plan pays for itself.
Short answer:
- Basic costs $39 per month ($29 billed yearly), Grow $105 ($79 yearly), Advanced $399 ($299 yearly), and Shopify Plus starts at $2,300 per month on a 3-year term.
- With Shopify Payments you pay one card rate per online sale: 2.9% + 30¢ on Basic, 2.7% + 30¢ on Grow, 2.5% + 30¢ on Advanced. Shopify adds no transaction fee on top.
- With a third-party payment provider, Shopify charges 2% (Basic), 1% (Grow), 0.6% (Advanced) or 0.2% (Plus) on top of what that provider charges.
Shopify bills in local currency in some countries and may show lower local prices, so treat the dollar figures below as the US list prices and check the pricing page for your region.
Shopify plans and pricing in 2026
Every plan includes the online store, unlimited products, the Shopify checkout, hosting, an SSL certificate and 24/7 support. The plans differ in price, card rates, staff accounts and a few features that matter once a store grows.
| Plan | Monthly billing | Yearly billing | Online card rate | In-person rate | Third-party gateway fee |
|---|---|---|---|---|---|
| Basic | $39/mo | $29/mo | 2.9% + 30¢ | 2.6% + 10¢ | 2% |
| Grow | $105/mo | $79/mo | 2.7% + 30¢ | 2.5% + 10¢ | 1% |
| Advanced | $399/mo | $299/mo | 2.5% + 30¢ | 2.4% + 10¢ | 0.6% |
| Shopify Plus | from $2,300/mo (3-year term) | negotiated | 0.2% | ||
New stores can start with a 3-day free trial, then pay $1 per month for the first 3 months on an eligible plan.
Starter: $5 per month
Starter is not a full online store. It lets you sell through social media, messaging and links to product pages, with a Shopify checkout behind them. It fits creators who sell a few products from social channels and do not need a website.
Basic: $39 per month
Basic is the plan for solo founders and new stores. You get the full online store, themes, unlimited products, discount codes, gift cards, abandoned checkout recovery and basic B2B with up to 3 catalogs. The trade-off is the highest card rate of the three core plans and the highest fee on third-party gateways.
Grow: $105 per month
Grow adds up to 5 staff accounts and lowers the online card rate to 2.7% + 30¢. For most stores the upgrade decision is about money, not features: once your monthly online sales pass a certain level, the lower card rate covers the higher subscription. We show the exact numbers below.
Advanced: $399 per month
Advanced is built for stores selling at volume or in several countries. It adds up to 15 staff accounts, live third-party shipping rates at checkout, tools to tailor the store by region, and the lowest card rate outside Plus: 2.5% + 30¢ online.
Shopify Plus: from $2,300 per month
Shopify Plus is the enterprise plan. It adds a fully customizable checkout, unlimited staff accounts, unlimited B2B catalogs, higher API limits, Shopify Functions for custom logic, expansion stores and priority support. Card rates are negotiated, and the third-party gateway fee drops to 0.2%. Plus pricing also includes a variable fee tied to sales volume, so the real cost depends on revenue. Our Shopify Plus pricing guide breaks down what is included and the total cost of ownership.
Shopify fees: what you pay on every sale
The subscription is a fixed cost. The fees below scale with your sales, which is why they usually matter more than the plan price once a store is selling.
Credit card rates with Shopify Payments
Shopify Payments is Shopify’s own payment provider. When you use it, you pay one card rate per transaction and nothing else: no setup fee, no monthly fee and no Shopify transaction fee. The rate depends on your plan and on whether the sale is online or in person, as shown in the table above. Shop Pay, Shop Pay Installments and manual payment methods such as cash on delivery or bank transfer are also free of third-party transaction fees. For a full walkthrough of setup, payouts and Shop Pay, see What is Shopify Payments.
Third-party transaction fees
If you accept payments through another provider, Shopify charges its own fee on each order: 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. Your provider then charges its own card rate separately. Two details are easy to miss:
- If Shopify Payments is your primary provider, PayPal transactions are exempt from the third-party fee. We compare both options in Shopify Payments vs PayPal.
- For stores created on or after May 12, 2025, the third-party fee also applies to the part of an order paid with store credit or a gift card.
Using Shopify Payments alongside another provider
Some stores run Shopify Payments next to a direct card processor. In that setup the orders processed by your other provider carry the third-party fee, and payments that still go through Shopify Payments, such as Shop Pay or local payment methods, are charged the standard Shopify Payments rate plus a 1.25% premium. If you are considering a split setup, run the numbers first.
Currency conversion
When a customer pays in a currency different from your payout currency, Shopify Payments adds a currency conversion fee: 1.5% for US-based stores and 2% for stores in other regions. If you sell abroad, this fee can outweigh the difference between plans. Stores in the UK should also know that, after Brexit, Shopify treats UK and EU card transactions as international and charges the international rate. Details for UK merchants are in Shopify Payments UK.
Refunds
Shopify does not return the card fee when you refund an order. On a $100 refund on Basic, the $3.20 you paid in fees stays with Shopify.
What Shopify keeps from a $100 sale
Here is the same $100 online order on each core plan. The third-party example assumes a provider that charges 2.9% + 30¢. Your provider’s rate may be higher or lower.
| Plan | With Shopify Payments | With a third-party gateway |
|---|---|---|
| Basic | $3.20 | $5.20 ($3.20 gateway + $2.00 Shopify) |
| Grow | $3.00 | $4.20 ($3.20 gateway + $1.00 Shopify) |
| Advanced | $2.80 | $3.80 ($3.20 gateway + $0.60 Shopify) |
The pattern is clear: on Basic, a third-party gateway costs you about 60% more per order than Shopify Payments. If Shopify Payments is available in your country and you have no specific reason to use another provider, it is the cheaper default.
To run the numbers for your own store, with your monthly sales, average order value and payment provider, use our free Shopify fees calculator. It shows the monthly fees on Basic, Grow and Advanced side by side and which plan is cheapest for you.
Other costs to budget for
Plan and payment fees are what Shopify charges. Most stores also pay for:
- Apps. Reviews, subscriptions, search, email and loyalty apps are usually billed monthly by their developers. Some brands replace several paid apps with one custom app; see Shopify app costs: build vs buy.
- A theme. Free themes are included. Paid themes from the Theme Store are a one-time purchase, and custom design is a separate project.
- A domain. You can buy one through Shopify or connect one you already own.
- POS Pro. In-person selling works on every plan. POS Pro, with advanced retail tools, is $89 per month per location.
- Marketplace orders. Up to 50 synced marketplace orders per month are free; above that Shopify charges 1%, capped at $99 per month.
For the full picture, including design, development and maintenance, read the true cost of a Shopify store.
Which Shopify plan should you choose?
If you sell mainly online through Shopify Payments, the choice between Basic, Grow and Advanced comes down to one calculation: when do the lower card rates pay for the higher subscription?
- Basic to Grow: the subscription is $66 more per month on monthly billing, and the online card rate is 0.2% lower. Grow pays for itself at about $33,000 in monthly online sales (about $25,000 on yearly billing).
- Grow to Advanced: $294 more per month for another 0.2% off the card rate. Advanced pays for itself at about $147,000 in monthly online sales (about $110,000 on yearly billing).
These thresholds count card fees only. Features can justify an upgrade earlier: more staff accounts, live carrier rates at checkout, or selling in several markets. And if you need a custom checkout, native B2B at scale or high API limits, compare Advanced with Shopify Plus.
How to upgrade or downgrade your Shopify plan
You can change plans at any time from your Shopify admin under Settings > Plan. When you switch, your Shopify Payments card rate changes with the plan. Keep in mind that subscription charges are generally non-refundable, and that app subscriptions are billed on their own cycle, so check both before you switch or pause a store.
How to lower your Shopify fees
- Use Shopify Payments where it is available. It removes the third-party fee entirely.
- Pay yearly. Yearly billing cuts the subscription by about 25% on Basic and Grow.
- Pick the plan by the numbers. Use the thresholds above instead of upgrading by default.
- Avoid a split payment setup unless the savings are proven, because of the 1.25% premium.
- Review your apps every quarter. Unused apps keep billing.
- On Plus, negotiate. Card rates and terms are set per merchant.
Conclusion
Shopify’s plan price is only the starting point. For most stores the card rate and the choice of payment provider decide the real cost, and the right plan is the one where lower fees cover the subscription. If you are moving from another platform and want a clear cost estimate before you commit, our Shopify migration team can model it with your actual order data.
