Shopify Fees by Country (2026): Plans and Shopify Payments Rates in 6 Markets

Shopify prices in local currency and sets Shopify Payments rates per country, so the same Basic plan costs a different amount and carries a different card rate in London, Toronto and Sydney. Since 2026 Shopify's public pricing page also renders differently by country, and outside the United States it no longer prints card rates at all; the rate your store pays is the one in your admin. The six markets we have verified are below, compared first and then one at a time.

Shopify fees at a glance: every market we track

Rates as published on Shopify's own page for each market and recorded in the Global Fee Index. Countries with a full section below are linked from the table of contents; the index also covers markets we have not written up yet.

What changes by country, and what is the same everywhere

The same everywhere: the structure. A monthly plan (Basic, Grow, Advanced, Plus), a card-processing rate that falls with the plan tier, and a penalty for using an external gateway instead of Shopify Payments — 2% on Basic, 1% on Grow, 0.6% on Advanced, 0.2% on Plus — charged on top of the gateway's own fee.

What changes: the plan price in local currency, which is not a straight conversion of the US price; the Shopify Payments domestic rate, which follows local interchange and sits around 1.5–1.7% in the UK and Ireland against 2.9% in the US; the international-card surcharge; and whether Shopify Payments is available at all (Shopify Payments is offered in a limited list of countries; elsewhere a third-party gateway and its penalty are unavoidable).

Tax on the subscription and the fee. VAT or GST applies to the plan price in most of these markets, and in some to the processing fee as well, which matters to a business below the registration threshold that cannot reclaim it.

Countries covered on this page

Australia · Canada · Ireland · New Zealand · Singapore · United Kingdom

Shopify fees in Australia

Australian Shopify merchants get some of the lowest online card rates in the world — and one quirk that exists in almost no other market: selling in person costs more than selling online. Here are the 2026 numbers, and what that inversion means if you run both a store and a market stall.

What each plan costs in Australia. Prices in Australian dollars; the yearly column is the effective monthly price when paid annually.

In person costs more than online — in Australia only. In nearly every Shopify market, tapping a card in person is the cheapest way to be paid: the UK charges 1.7% in person against 2% online, Canada 2.6% against 2.8%. Australia runs the other way — 1.95% in person against 1.75% online on Basic.

The reason is domestic interchange: Australian online card rates benefit from least-cost routing and a competitive local debit network, while in-person acceptance carries terminal and scheme costs that the online rate escapes.

The practical consequence for a hybrid business is that the fixed 30¢ is the only thing making in-person look competitive on small tickets. Below about A$15 the fixed fee outweighs the 0.2-point gap and in-person is cheaper; above it, online wins.

Upgrade break-evens. Basic to Grow costs A$93 more a month and saves 0.15% online, so it breaks even at about A$62,000 in monthly card sales. Grow to Advanced costs A$426 more for a further 0.2%, needing roughly A$213,000 a month.

Australian online rates are already low, which is exactly why the upgrades are hard to justify on price: there is little left to save. Treat the higher plans as feature purchases.

The third-party gateway penalty is the biggest number here. Using a payment provider other than Shopify Payments costs 2% on Basic, 1% on Grow, or 0.6% on Advanced, on top of that provider's own fees.

In Australia that 2% is larger than the entire online card rate of 1.75%. Switching away from Shopify Payments more than doubles your cost of acceptance — a starker penalty than in any other market on this list.

Compare across platforms in the Shopify fee calculator, or see how the same plans price elsewhere in Shopify fees in the UK and Canada.

Source: Shopify Australia pricing (official). Last reviewed August 2026.

Shopify fees in Canada

Canadian Shopify merchants pay noticeably more per sale than British or Australian ones, and the plan ladder is steep enough that upgrading for a lower rate almost never pays at normal store sizes. Here are the 2026 numbers, and the exact revenue at which each upgrade starts to make sense.

What each plan costs in Canada. Prices in Canadian dollars; the yearly column is the effective monthly price when paid annually.

Upgrading almost never pays for the rate alone. Each step up the ladder buys 0.2 percentage points. The break-even is the monthly card volume at which that saving covers the extra subscription:

Basic to Grow costs C$83 more a month and saves 0.2%, so you need about C$41,500 in monthly card sales before it is cheaper on fees. Grow to Advanced costs C$385 more for another 0.2%, needing roughly C$192,500 a month.

That is a very different picture from the UK, where the Basic-to-Grow break-even is around £13,300, because the UK rate gap is 0.3 points on a much smaller card rate. In Canada, upgrade for features — not for the percentage.

The third-party gateway penalty. Take payments through anything other than Shopify Payments and Shopify adds its own transaction fee on top of that provider's charges: 2% on Basic, 1% on Grow, 0.6% on Advanced.

On C$20,000 of monthly sales on Basic that is C$400 a month — eight times the plan price — before the gateway's own processing fee. In Canada the penalty is worth more attention than usual, because the 2% applies on top of card rates that are already among Shopify's higher ones.

A realistic month at C$10,000. A Basic-plan Canadian store doing C$10,000 across 150 orders using Shopify Payments: C$49 for the plan, C$280 in percentage fees, C$45 in fixed fees — C$374, or 3.7% of revenue.

The same store on a third-party gateway would add C$200 on top, taking it to 5.7%. That single choice is worth more than four months of the subscription.

Run your own numbers in the Shopify fee calculator, and see Shopify fees in the UK for how differently the same platform prices another market.

Source: Shopify Canada pricing (official). Last reviewed August 2026.

Shopify fees in Ireland

Irish Shopify merchants get the low European card rates that come with capped EEA interchange, on a plan ladder priced a little above the UK's. The number that decides most Irish stores' bills is neither of those — it is the 2% penalty for not using Shopify Payments. Here are the 2026 figures.

What each plan costs. Prices in euro, excluding VAT; the yearly column is the effective monthly price paid annually.

Upgrade break-evens. Basic to Grow costs 60 € more a month and saves 0.3% per sale, so it breaks even at about 20.000 € in monthly card sales. Grow to Advanced costs 292 € more for a further 0.2%, needing roughly 146.000 € a month.

Those are meaningfully higher thresholds than the UK's — where Basic to Grow breaks even near £13.300 — because the Irish plans cost more while the rate gaps are the same. Below 20.000 € a month, Basic is simply the right plan.

The 2% gateway penalty dwarfs everything else. Take payments through a provider other than Shopify Payments and Shopify adds 2% on Basic, 1% on Grow, or 0.6% on Advanced — on top of whatever that provider charges.

On Basic that 2% is the same size as the entire card rate it sits beside. On 15.000 € of monthly sales it is 300 € a month, nearly ten times the plan price, and you still pay your gateway's own fees.

For Irish stores the practical rule is simple: use Shopify Payments unless a payment method your customers genuinely need is unavailable through it.

A realistic month at 8.000 €. A Basic-plan Irish store doing 8.000 € across 120 orders on Shopify Payments: 32 € for the plan, 160 € in percentage fees, 30 € in fixed fees — 222 €, or 2.8% of revenue, before VAT.

That is among the cheapest all-in costs of any Shopify market we cover, and it is entirely a function of the EEA interchange cap. Compare with Singapore at roughly 4.1%, the UK, and Canada, or run your own figures in the Shopify fee calculator.

Source: Shopify Ireland pricing (official). Last reviewed August 2026.

Shopify fees in New Zealand

New Zealand Shopify merchants carry a cost that merchants in the UK, Canada, and Australia do not: the subscription is priced in US dollars while the revenue and card fees are in New Zealand dollars. Your platform bill moves with the exchange rate. Here are the 2026 numbers and what that quirk is worth.

Plans in USD, card fees in NZD. Shopify quotes New Zealand plan prices in US dollars and charges card processing in New Zealand dollars:

That split is the unusual part. A 10% move in the exchange rate changes your subscription cost by 10% while your revenue and processing costs stay put — a small currency exposure sitting inside a fixed cost most merchants treat as fixed.

In person costs far less than online. The gap between online and in-person is wider in New Zealand than in most Shopify markets: 1.8% in person against 2.65% + 30c online on Basic. On a NZ$50 sale that is NZ$0.90 against NZ$1.63.

For a business running both a website and a market stall or shopfront, that difference is worth structuring around — it is nearly half the cost of acceptance, before the fixed fee is even counted.

Amex and international cards carry their own rates. Unlike most markets on this site, Shopify New Zealand publishes separate rates by card network and origin. American Express costs 3.5% + 30c on Basic and international cards 3.3% + 30c, against 2.65% for a standard domestic card.

The Amex premium of roughly 0.85 points is worth knowing before you enable it: on NZ$10,000 of monthly Amex volume it is NZ$85 a month. Whether that is worth paying depends entirely on whether those customers would otherwise pay with something else.

Upgrade break-evens, and the third-party penalty. Basic to Grow costs US$66 more a month and saves 0.2% on card rates, so it breaks even at roughly US$33,000-equivalent in monthly card sales. Grow to Advanced costs US$294 more for a further 0.1%, needing close to US$294,000 — effectively never, on rate alone.

The bigger number is the third-party transaction fee: 2% on Basic if you take payments through anything other than Shopify Payments. In New Zealand that 2% is almost as large as the entire 2.65% card rate it sits on top of.

Compare markets in Shopify fees in Australia and Canada, or run your own numbers in the Shopify fee calculator.

Source: Shopify New Zealand pricing (official). Last reviewed August 2026.

Shopify fees in Singapore

Singapore has the highest Shopify card rates of any market we cover and the smallest gaps between plans — one-tenth of a point per upgrade. That combination means the usual advice to upgrade for a better rate is simply wrong here. Here are the 2026 numbers.

What each plan costs. Prices in Singapore dollars; the yearly column is the effective monthly price paid annually.

Note the fixed S$0.50 on in-person rates — most Shopify markets charge no fixed fee at the counter, and Singapore does.

Upgrading for the rate never pays. Each step up buys one-tenth of a percentage point. Basic to Grow costs S$93 more a month for 0.1%, which needs S$93,000 in monthly card sales to break even. Grow to Advanced costs S$399 more for another 0.1% — S$399,000 a month.

Very few Singapore stores are anywhere near those numbers, and the ones that are will be negotiating directly. Treat the upper plans as feature purchases and nothing else; the arithmetic on the rate is not close.

The cheaper local method is behind a 2% wall. Singapore has a genuinely cheap domestic payment rail — PayNow, which Stripe prices at 1.3% against 3.4% for cards.

The catch for Shopify merchants is that reaching it through a third-party gateway triggers Shopify's own transaction fee: 2% on Basic, 1% on Grow, 0.6% on Advanced, on top of whatever that gateway charges. On Basic, a 1.3% method plus a 2% Shopify penalty costs 3.3% — no better than the 3.2% card rate you were avoiding.

On Grow the maths flips: 1.3% + 1% = 2.3% against 3.1% by card. So the local-rail saving only becomes real once you are already paying S$132 a month, which is its own break-even to work out.

A realistic month. A Basic-plan Singapore store doing S$15,000 across 200 orders on Shopify Payments: S$39 for the plan, S$480 in percentage fees, S$100 in fixed fees — S$619, or 4.1% of revenue.

That is the highest all-in cost of any Shopify market on this site, and it is driven by the card rate rather than the plan. Compare with Shopify fees in the UK, where the same store would pay roughly 2.5%, or run the numbers in the Shopify fee calculator.

Source: Shopify Singapore pricing (official). Last reviewed August 2026.

Shopify fees in United Kingdom

Shopify's UK card rates are markedly lower than its US ones, but the plan ladder is steep and there is one clause that quietly costs more than the plan itself: the transaction fee for not using Shopify Payments. Here are the 2026 numbers and the exact revenue points where upgrading starts to pay.

What each plan costs in the UK. Prices are monthly; the yearly column is the effective monthly price when you pay for a year up front.

UK card rates are much cheaper than the US ones. On Basic, a UK card payment costs 2% + 25p. On a £50 order that is £1.25; on £200, £4.25. The equivalent US Shopify rate is 2.9% + 30¢ — UK and EU interchange caps are the reason, and they work in your favour.

In-person rates through Shopify POS are lower still and carry no fixed fee: 1.7% on Basic, 1.6% on Grow, 1.5% on Advanced.

The 2% penalty — the clause that actually decides your bill. If you take payments through a third-party gateway instead of Shopify Payments, Shopify adds its own transaction fee on top of whatever that gateway charges: 2% on Basic, 1% on Grow, 0.6% on Advanced.

That is not a rounding error. On £10,000 of monthly sales on Basic, the extra 2% is £200 a month — eight times the plan price — and you still pay your gateway's own processing fee on top. For most UK stores the only sane answer is to use Shopify Payments unless a specific payment method your customers need is unavailable through it.

When upgrading a plan actually pays for itself. Upgrading buys you a lower card rate, so the break-even is the revenue at which the rate saving exceeds the extra monthly cost.

Basic to Grow: you pay £40 more a month and save 0.3% per sale, so you need £40 ÷ 0.003 = about £13,300 in monthly card sales before Grow is cheaper.

Grow to Advanced: £279 more a month for a further 0.2%, which needs roughly £139,500 a month. Below that, Advanced is bought for its features — not for its rate.

VAT, and the true monthly cost. Shopify's UK fees attract 20% VAT. A £25 Basic plan is £30 out of the bank account; VAT-registered sellers reclaim it, sellers below the £90,000 threshold do not.

A realistic Basic-plan month at £5,000 of sales: £25 plan + (2% + 25p across, say, 100 orders) = £25 + £100 + £25 = £150, or 3% of revenue — before apps, which are the cost line most stores underestimate next.

Shopify against a marketplace. The comparison people actually want is Shopify versus Etsy or eBay, and the shape is always the same: Shopify has a fixed monthly cost and a low per-sale rate, marketplaces have no fixed cost and a high per-sale rate — but they bring the traffic.

At £5,000 a month, Shopify costs about 3% all-in while Etsy takes roughly 10–11% and eBay about 14%. The catch is that the marketplace percentage buys you buyers. See Shopify vs Etsy fees for the full comparison, or run your own numbers in the Shopify fee calculator.

Source: Shopify UK pricing (official). Last reviewed August 2026.

How to use this page

Find your country below and compare with the US schedule in the Shopify fee calculator. The Shopify fee history records the 2023 plan-price increase, the 2024 Plus repricing and the 2025 Grow rename; the Global Fee Index ranks Shopify Payments against Stripe and PayPal in each market.

Frequently asked questions

Is Shopify cheaper outside the United States?

The card rate usually is — about 1.5–1.7% in the UK and Ireland against 2.9% in the US on Basic — because interchange is capped. The plan price in local currency is often close to or above the US price once tax is added.

Why does Shopify's pricing page not show card rates in my country?

Since 2026 the page renders by region and outside the US shows only plan prices and third-party transaction fees. Your store's actual rate is in Settings → Payments; the sections below give the last published rate for each country and its date.

Can I avoid the third-party transaction fee?

Only by using Shopify Payments, which requires it to be available in your country and your business type to be eligible. Where it is not available the 2% / 1% / 0.6% fee applies on every order in addition to your gateway's charge.

Sources

• Shopify Australia pricing (official)
• Shopify Canada pricing (official)
• Shopify Ireland pricing (official)
• Shopify New Zealand pricing (official)
• Shopify Singapore pricing (official)
• Shopify UK pricing (official)

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• Stripe Fee Calculator
• PayPal Fee Calculator
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