How Much Does Shopify Take From a $100 Sale in 2026?

Shopify's pricing page looks clean. It isn't. Between platform fees, payment processing, app costs, and transaction fees, the actual cut Shopify takes from a $100 sale depends on a handful of decisions you may not have fully thought through.

Here's exactly what you're paying, plan by plan, scenario by scenario.

First, Understand the Two Types of Fees

Shopify charges you in two ways. The first is your monthly plan fee. That's fixed, charged regardless of revenue. The second is a per-transaction cut, which scales with every sale you make.

The per-transaction cost is the one that actually matters when you're calculating what Shopify takes from $100.

There are two versions of this:

Payment processing fee (charged on every sale if you use Shopify Payments) and transaction fee (charged only if you use a third-party payment processor like PayPal, Stripe, or Square instead of Shopify Payments).

If you use Shopify Payments, you pay the processing fee but no transaction fee. If you use a third-party processor, you pay both the third-party processor's fee AND Shopify's transaction fee on top. That's expensive.

What Shopify Takes From a $100 Sale by Plan

Here's the direct breakdown using Shopify's current pricing structure. Note that Shopify renamed its mid-tier "Shopify" plan to "Grow" in 2026, the price stayed the same, only the name changed.

Basic — $39/month

• Payment processing fee: 2.9% + $0.30

• Transaction fee (third-party): 2%

• Shopify Payments on $100: You keep $96.80

• Third-party processor on $100: You keep $94.80 before the processor's own cut

Grow (formerly "Shopify") — $105/month

• Payment processing fee: 2.7% + $0.30

• Transaction fee (third-party): 1%

• Shopify Payments on $100: You keep $97.00

• Third-party processor on $100: You keep $96.00 before the processor's own cut

Advanced — $399/month

• Payment processing fee: 2.5% + $0.30

• Transaction fee (third-party): 0.6%

• Shopify Payments on $100: You keep $97.20

• Third-party processor on $100: You keep $96.60 before the processor's own cut

Shopify Plus — starts at $2,300/month

• Payment processing fee: negotiable, commonly around 2.15–2.25% + $0.30 depending on volume

• Transaction fee (third-party): 0.2%

• Shopify Payments on $100: You keep roughly $97.55

The Hidden Math: Monthly Plan Cost Allocated Per Sale

The monthly plan fee matters too, especially at lower volumes. If you're on Basic ($39/month) and you do 100 orders per month, that's an extra $0.39 per order before you account for anything else.

At 1,000 orders per month, the plan cost becomes negligible. At 50 orders per month, it's a real line item.

This is why customer lifetime value is the metric that actually determines whether your Shopify plan makes sense. A plan that costs more per month but saves you 0.5% per transaction can pay for itself in weeks at moderate volume.

Third-Party Processors: The Double-Fee Trap

If you're using PayPal, Stripe, or any processor other than Shopify Payments, you're being charged twice. Shopify charges their transaction fee AND the processor charges their own processing fee.

Stripe typically charges 2.9% + $0.30. On Basic Shopify, that means you're paying 2.9% + $0.30 to Stripe AND 2% to Shopify. On a $100 sale, that's $5.20 in fees before any other costs. You keep $94.80.

That's nearly 5% of every dollar gone before product cost, shipping, or marketing.

Baymard Institute research shows that checkout friction is the top driver of abandonment. But fee structure is what kills margins once you get past checkout. Most brands don't do this math until it's too late.

What Makes the Actual Number Even Lower

The Shopify transaction and processing fees are just the start. Here's what else shrinks your $100:

Chargebacks. Every disputed order costs you the product, the shipping, and usually a $15–$25 chargeback fee on top. A single chargeback can wipe out the margin from 10-20 clean sales.

App fees. The average Shopify store runs 6-10 apps. Each one has a monthly fee. Some take a percentage of revenue. If you're paying $300/month in app fees and doing $10,000/month in revenue, that's 3% off the top before Shopify takes anything.

Shopify Markets / currency conversion. If you sell internationally, Shopify charges a currency conversion fee on top of everything else.

Refunds. Shopify does not refund the processing fee when you issue a refund. You pay to process the original sale and you don't get that back.

How to Actually Keep More of Every $100

1. Use Shopify Payments. This is non-negotiable at most volume levels. Eliminating the third-party transaction fee alone saves 0.2% to 2% per sale.
   
   
   

2. Match your plan to your volume. Run the math. If moving from Basic to Grow ($105/month) saves you 0.2% per transaction and you do $50,000/month in revenue, that's $100 saved on fees monthly. That's more than the $66 plan upgrade cost.
   
   
   

3. Reduce chargebacks aggressively. Chargebacks are one of the most overlooked margin killers. A 95% interception rate is achievable. This is an area where Subscribfy's chargeback prevention is worth understanding. They only charge $19 per matched alert, and you only pay when an alert is successfully intercepted.
   
   
   

4. Increase repeat purchase rate. The Shopify processing fee applies to every transaction. But repeat customers cost less to acquire, have higher AOV, and don't require the same marketing spend. If your average order value goes from $100 to $130 per order, your effective fee rate drops because the $0.30 flat fee is diluted.
   
   
   

5. Build membership economics. This one changes the math entirely. When customers pay a monthly membership fee to access your store, that recurring revenue has completely different economics than transactional revenue. The fee is still there, but McKinsey research on customer lifetime value consistently shows membership-based customers have dramatically higher LTV and lower effective CAC. Brands like Tres Colori see 48% of total revenue coming from members. That's not an accident. It's a structural advantage.
   
   
   

The Real Answer to "How Much Does Shopify Take?"

On a $100 sale, using Shopify Payments on the Basic plan: $3.20. That's the floor.

With a third-party processor on Basic: $5.20 in combined fees (Stripe's cut plus Shopify's transaction fee).

If you're on Advanced with Shopify Payments: $2.80.

Those percentages feel small. They aren't. At $500,000 in annual revenue, the difference between Basic with a third-party processor and Advanced with Shopify Payments is about $12,000 per year in fees.

Do the math for your own store. Then look at the levers you actually control: plan selection, processor choice, chargeback rate, AOV, and repeat purchase rate. The fee is fixed. Everything else is not.