Shopify Payment Processing Fees in the UK

A sale can initially look profitable at checkout - but the full picture actually emerges when Shopify plan fees, card-processing rates, currency conversion and other costs have been taken into account.

This guide is here to give you that full picture. We've broken down Shopify payment processing fees in the UK, including Shopify Payments card rates, third-party transaction fees, international-selling costs, Shopify Tax and the other charges worth modelling before you commit.

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Note: Wise Business offers a free Essential plan for basic spending and transferring. If you need to receive money, set up direct debits, or generate invoices, you'll pay a one-time £50 setup fee to unlock the Advanced features.

Shopify payment fees at a glance

The rates above are public Shopify UK rates checked on 23rd July 2026. Your billing cycle, store location, payment mix and contract can all affect the final cost, so use them as a starting point and confirm the live rate in your Shopify admin before deciding.

What is Shopify Payments?

Shopify Payments is Shopify's built-in processor for a UK store. It can accept credit and debit cards, accelerated checkout payments and local payment methods, while payment processing and order management are handled in the Shopify admin.⁴

That setup can make reconciliation simpler and, importantly, means Shopify doesn't charge its separate third-party transaction fee on Shopify Payments orders. It doesn't make card processing free, though: the applicable Shopify Payments rate still applies to each customer payment.²

Shopify Payments card fees in the UK

Shopify's UK pricing page gives the following rates for annual-billing plans. The percentage is charged on the payment amount, then the fixed 25p is added for online card transactions:

• Basic

  • Annual plan price: £19/month
  • Online standard card rate: 2% + 25p
  • Online international or Amex card rate: 3.1% + 25p
  • In-person card rate: 1.7%
  • Third-party transaction fee: 2%

• Grow

  • Annual plan price: £49/month
  • Online standard card rate: 1.7% + 25p
  • Online international or Amex card rate: 2.7% + 25p
  • In-person card rate: 1.6%
  • Third-party transaction fee: 1%

• Advanced

  • Annual plan price: £259/month
  • Online standard card rate: 1.5% + 25p
  • Online international or Amex card rate: 2.5% + 25p
  • In-person card rate: 1.5%
  • Third-party transaction fee: 0.6%

• Plus

  • Annual plan price: From £1,800/month
  • Online standard card rate: Most competitive rate
  • Online international or Amex card rate: Most competitive rate
  • In-person card rate: Most competitive rate
  • Third-party transaction fee: 0.2%

A simple £100-order example

Using the published standard online-card rates, a £100 customer payment would have a Shopify Payments fee of:

That is only the processing-fee comparison. It doesn't include the subscription, apps, refunds, chargebacks, tax tools, delivery, currency conversion or any other operating cost.

How third-party transaction fees work

Shopify's fees and costs guidance explains that third-party transaction fees cover Shopify's secure checkout platform and its integration with external payment providers.²

In practice, if you choose a different card processor or gateway, you may have two separate costs to model:

1. The external provider's own processing fee.
2. Shopify's additional third-party transaction fee for your plan.

The Shopify fee isn't charged when an order is processed through Shopify Payments. The same guidance also sets out specific treatment for certain store-credit and gift-card orders, so check the current rule for your store rather than assuming every order is handled the same way.²

Using a third-party provider can still make sense if it offers a payment method, market coverage or integration your store needs. The point is to compare the combined cost per order, not just the processor's advertised rate.

International sales and currency conversion fees

When a customer pays in a currency that differs from your payout currency, Shopify treats this as a currency conversion and charges a conversion fee alongside the normal Shopify Payments processing fee.²

Customer currency and payout currency aren't the same thing

The currency a customer sees at checkout and the currency Shopify pays into your account are separate settings. What happens next depends on your plan and whether you have a payout account in the order currency:

Shopify controls its own payout routing, and any account you add for a Shopify payout must meet its plan, location, currency and bank-account requirements.⁶

Avoiding a conversion doesn't automatically mean the route is cheaper. Shopify applies a Multi-Currency Payout fee to non-domestic-currency payouts even where no conversion occurs; its current global rates are 1.5% on Advanced and 1% on Plus.⁶

These are the costs of getting paid through Shopify. They are separate from the cost of converting money when you pay overseas suppliers, manufacturers or contractors for your store.

If your business later grows beyond Shopify and moves to an independently hosted website, the payment setup can look different. You can give customers local account details through Wise Business and let them pay by bank transfer in a currency they know. That can be a practical alternative for bank-transfer payments, but it doesn't replace a card-payment provider if your own checkout accepts cards.

Shopify Tax fees for UK stores

Shopify Tax pricing now differs according to when the store was created. Stores created before 13th May 2026 use an annual sales threshold; stores created on or after that date use a lifetime sales threshold.³

For a UK store within Shopify's stated criteria, the free threshold is £100,000 and the maximum fee per order is £0.99. Once the relevant threshold is reached, Shopify's published rate for Basic, Grow and Advanced is 0.25% on orders from regions where tax collection is activated; the UK rate on Plus is 0.15%.³

Tax treatment is highly dependent on where you sell, what you sell and where you have collection activated. Check your tax settings and get professional advice where needed; a headline platform fee isn't a substitute for working out your actual VAT obligations.

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• 🏢 Manage cash in 55+ currencies across international offices from a single business account and move money between business accounts in seconds (exact speeds can vary depending on individual circumstances and may not be the same for all transactions)
• 🧾 Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
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Frequently asked questions

What other Shopify charges should I budget for?

Payment processing is only one line in the budget. According to Shopify's billing guidance, bills can include recurring, pay-per-use and one-time charges.⁵

How can I estimate my total Shopify cost?

Use this practical calculation for a monthly forecast:

Monthly Shopify cost = plan fee + card-processing fees + any third-party transaction fees + conversion fees + tax fees + apps/POS/other charges.

Start with your expected number of orders and average order value. Then split sales by standard UK card, international or Amex card, alternative payment method and in-person payment where relevant. Add the applicable rate for each group, rather than applying one blended rate to every sale.

Stress-test the result for a higher share of international sales, a different payment provider or more refunds. A plan with a higher monthly price can sometimes be cheaper at a larger sales volume, but only once you account for the full fee mix.

Does Shopify charge payment processing fees?

Yes. Shopify Payments charges a processing fee for each payment, with the rate depending on your subscription plan, the card type and the card's location. If you use a third-party payment provider, Shopify can also charge its separate third-party transaction fee.^1,2

Are Shopify Payments fees refunded when I refund a customer?

Shopify's fees guidance states that card-processing and currency-conversion fees aren't returned when you issue a refund. Check the current documentation for your payment method and store location before you rely on a particular refund outcome.²

Is Shopify Payments cheaper than a third-party processor?

It depends on your plan, payment mix and the external provider's pricing. Shopify Payments avoids Shopify's third-party transaction fee, but it still has processing fees. Compare the total per-order cost, including any external provider and conversion charges, before choosing.

Does Shopify charge more for international cards?

The current public UK table shows higher online rates for international and Amex cards than for standard online cards on Basic, Grow and Advanced.¹

Can Wise Business reduce Shopify's payment-processing fee?

No. Wise Business isn't a payment gateway and doesn't change Shopify's platform or card-processing fees. It can be relevant separately if your business needs to pay overseas suppliers or manage international business payments.

Sources:

1. Shopify Pricing: Find the Right Plan for Your Business - Shopify UK
2. Fees and costs
3. Shopify Tax pricing
4. Shopify Payments for the United Kingdom
5. Charges on your Shopify bills
6. Managing Multi-Currency Payouts with Shopify Payments

Sources last checked on 23rd July 2026