Shopify Transaction Fees With a Third-Party Gateway (2026)
Using a payment gateway other than Shopify Payments adds a per-order transaction fee that decreases as your Shopify plan gets more expensive. Below are the verified 2026 rates.
2026 cost breakdown
| Item | 2026 value | Note |
|---|---|---|
| Basic plan surcharge | 2.0% | Per order |
| Shopify plan surcharge | 1.0% | Per order |
| Advanced plan surcharge | 0.6% | Per order |
Frequently asked questions
Do you pay Shopify transaction fees with Shopify Payments?
No. If you use Shopify Payments there is no additional Shopify transaction fee; you only pay the card processing rate.
How much is the third-party gateway fee?
It is 2% on Basic, 1% on Shopify, and 0.6% on Advanced, charged on each order processed through another gateway.
Is using an external gateway ever worth it?
Sometimes a specialist gateway offers meaningfully lower card rates for your industry; compare the card savings against the added Shopify surcharge before switching.
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