How much are third-party transaction penalties costing your store?
If you use Stripe, PayPal, or Authorize.net on Shopify, Shopify charges an additional 0.5% to 2.0% penalty fee on top of your standard gateway processing rates. See your exact wasted money below.
Quick Store Scale Presets:
Store Parameters
$
$0
$50,000
$100,000
$
$5
$250
$500
Estimated Monthly Orders:
200 orders
Why does Shopify charge a penalty fee?
Shopify charges an extra 0.5% – 2.0% transaction fee unless you use their in-house gateway (Shopify Payments). If you process payments through external Stripe, PayPal, or Square, this penalty is added to every sale.
Wasted Penalty Fee
Third-Party Penalty Paid to Shopify
Money lost purely for using Stripe instead of Shopify Payments
$0.00 / mo
=$0.00 per year wasted
Shopify Payments
0% Penalty Fee
Total Monthly Cost
$0.00
Shopify Plan Sub:
$0.00
Processing Rate (2.7%):
$0.00
Per-Transaction (30¢):
$0.00
Third-Party Penalty:
$0.00
Stripe + Shopify
+1.0% Penalty
Total Monthly Cost
$0.00
Shopify Plan Sub:
$0.00
Stripe Base (2.9%):
$0.00
Per-Transaction (30¢):
$0.00
Shopify Penalty (1.0%):
+$0.00
Monthly Cost Visual Comparison
Save $100.00/mo
Shopify Payments Cost
$0.00
Stripe + Shopify (Inc. Penalty)
$0.00
Losing Money to Payment Processing Fees?
Compare Interchange-Plus pricing, volume fee waivers, and introductory 0% processing alternatives for US and international merchants.
📄 Download Complete Merchant Fee Audit & Processing Comparison (.PDF)
Includes transaction cost breakdowns, hidden surcharge checklists, and processor negotiation scripts.