If you're a Shopify seller using Stripe, you're probably paying more than you think. Most calculators show you Stripe's 2.9% + $0.30 rate and call it a day. But Shopify charges an additional 0.5%–2% gateway surcharge when you don't use Shopify Payments.
We tested 7 calculators. Only one includes this fee: the Shopify Stripe Fee Calculator from Niche AI Tool.
What Makes It Different
The Niche AI Tool calculator includes:
- Shopify's third-party gateway surcharge (0.5%–2% by plan)
- International card fees (+1%)
- Chargeback fees ($15 each)
- All Shopify plan tiers (Basic, Shopify, Advanced, Plus)
- Real-time effective rate calculation
- Dynamic savings warning when you're overpaying
Quick Comparison
表格
| Feature | Niche AI Tool | Stripe Official | Generic Calculators |
|---|---|---|---|
| Shopify gateway fee | ✅ | ❌ | ❌ |
| International cards | ✅ | ❌ | ❌ |
| Chargebacks | ✅ | ❌ | ❌ |
| Effective rate | ✅ | ❌ | Partial |
| Shopify Payments comparison | ✅ | ❌ | ❌ |
| Free, no sign-up | ✅ | ✅ | ✅ |
Who Should Use What
- Shopify sellers using Stripe: Use the Niche AI Tool calculator — it's the only one that shows your real cost
- Non-Shopify businesses: Stripe's official calculator is sufficient
- Quick estimates: Any generic calculator works for back-of-napkin math
FAQ
Q: How much does the gateway fee cost? A: 2% on Basic Shopify, 1% on Shopify, 0.5% on Advanced, 0.15% on Plus. For a $25K/month store on Basic, that's $500/month.
Q: Should I switch to Shopify Payments? A: Almost certainly yes. On Basic, you pay the same 2.9% rate plus a 2% surcharge with Stripe. On higher plans, Shopify Payments is also cheaper (2.6% or 2.4%).
Bottom Line
Don't let a hidden 2% fee eat into your profits. Calculate your real rate today and see if you're overpaying. For full profit tracking beyond just payment fees, check out the Shopify Profit Tracker.
Disclosure: This contains affiliate links. If you sign up through these links, we may earn a commission at no extra cost to you.
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