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Shopify Payments is built right into your store, so turning it on takes one click. That convenience is real, and so is the pricing you accept by default.
You pay a flat rate per transaction that varies by your Shopify plan. Higher plans lower the rate, which means the right plan depends on your volume, not just your feature needs.
The most expensive word in ecommerce is default.
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The Fee Auditor
We read the fine print
The line most owners miss: if you use any payment provider other than Shopify Payments, Shopify charges an extra transaction fee on top of whatever that provider charges. It is a penalty for shopping around.
- Compare your Shopify plan rate against your actual monthly volume.
- Factor the third-party fee before assuming another processor is cheaper.
- Rewards and international cards still cost more under a flat rate.
An audit weighs the all-in cost, third-party penalty included, against the alternatives, so default becomes a choice instead of an accident.
Author:
We read the fine print
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