Shopify questionAnswer3 min read
How Much Are Shopify Transaction Fees in the UK?
With Shopify Payments, UK stores pay a card rate and no separate transaction fee. Here are the 2026 rates by plan, a worked example and the extra fees that catch people out.
Key takeaways
- With Shopify Payments there's no separate transaction fee in the UK. You pay a card rate of 2% + 25p online on Basic, falling to 1.3% + 25p on Plus, as checked on 7 November 2026.
- With a third-party payment provider, Shopify adds 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus, on top of the provider's own fees.
- In-person card payments cost 1.7% on Basic with no fixed fee.
- Currency conversion adds 2% when a customer pays in a different currency from your payout currency.
- Who it is for
- UK store owners checking their fees
- Time needed
- 4 minutes to read
- What you need
- Your plan and payment settings
Shopify doesn't charge a separate transaction fee in the UK if you use Shopify Payments. You pay the card rate instead: 2% + 25p per online payment on Basic, 1.7% + 25p on Grow and 1.5% + 25p on Advanced, as listed on Shopify's UK pricing page on 7 November 2026. The transaction fee of 0.2% to 2% only applies when payments go through a third-party provider.
Shopify's UK fees by plan
| Plan | Online card rate | In person | Third-party fee |
|---|---|---|---|
| Basic | 2% + 25p | 1.7% | 2% |
| Grow | 1.7% + 25p | 1.6% | 1% |
| Advanced | 1.5% + 25p | 1.5% | 0.6% |
| Plus | 1.3% + 25p | 1.5% | 0.2% |
Plan prices are £19, £49 and £259 a month on yearly billing (£25, £65 and £344 monthly), with Plus from £1,800 a month.
Card rate vs transaction fee
These two get mixed up constantly. The card rate is what Shopify Payments charges to process a card, like any payment processor. The transaction fee is an extra percentage Shopify adds when you use a different provider for your main payments.
Shopify's help center says the third-party fee does not apply to Shopify Payments, Shop Pay, Shop Pay Installments, manual payment methods, or PayPal when Shopify Payments is your primary provider. One newer rule: for stores created on or after 12 May 2025, the fee also applies to orders paid with gift cards or store credit.
A worked example on a £50 order
What a £50 online order costs in fees
- Basic, Shopify Payments£1.252% + 25p.
- Grow, Shopify Payments£1.101.7% + 25p.
- Advanced, Shopify Payments£1.001.5% + 25p.
- Basic, other provider£1.00 + provider feeShopify's 2% before the provider charges.
The last card is why I almost always set UK stores up on Shopify Payments. Paying another provider's fee and Shopify's 2% on top rarely beats 2% + 25p all in. My Shopify Payments vs PayPal comparison shows how to run both without triggering the fee.
Other fees that look like transaction fees
- Currency conversion: 2%. Charged when a customer pays in a currency other than your payout currency, for example an order paid in € on a store that pays out in £.
- Chargebacks: £10. Charged per dispute and returned if you win.
- Refunds. Card fees and conversion fees aren't returned when you refund an order.
- Shopify Tax. If you use it, UK stores on Basic, Grow or Advanced pay 0.25% per order after £100,000 in sales, capped at £0.99 per order.
When upgrading lowers your fees
Grow costs £30 a month more than Basic on yearly billing and cuts the online card rate by 0.3 percentage points. That breaks even at £10,000 a month in online card sales. Below that, stay on Basic unless you need Grow's features. My Basic vs Grow comparison covers the features side.
How this compares outside the UK
Shopify sets rates per country. In the US, the online card rate Shopify quotes on Basic is 2.9% + 30¢, the third-party fee percentages are the same, and currency conversion costs 1.5% rather than 2%. Chargebacks cost $15 in the US, €15 in eurozone countries and A$25 in Australia. Stores in the Netherlands and Australia should check their own pricing page, since card rates and local methods such as iDEAL differ by country.
What to do next
- Check your provider. Open
Settings > Paymentsand confirm Shopify Payments is your main provider. - Run your numbers. Use my free Shopify fees calculator with your real order values.
- Read the full breakdown. My Shopify fees explained guide covers every fee line by line.
Free tools
Check your own store
Free, no sign-up. Each one runs a part of this guide for you.
Frequently asked questions
Does Shopify charge transaction fees in the UK?
Not when you use Shopify Payments. You pay only the card rate, from 2% + 25p online on Basic. With a third-party provider, Shopify adds 2% on Basic, 1% on Grow, 0.6% on Advanced or 0.2% on Plus.
What is the Shopify Payments fee in the UK?
Online card payments cost 2% + 25p on Basic, 1.7% + 25p on Grow, 1.5% + 25p on Advanced and 1.3% + 25p on Plus. In person, it's 1.7%, 1.6% or 1.5% with no fixed fee, as checked on 7 November 2026.
Does accepting PayPal trigger Shopify's transaction fee?
No, as long as Shopify Payments is your primary provider. Shopify's help center lists PayPal as exempt in that case.
Are Shopify fees refunded when I refund an order?
No. Card fees and currency conversion fees aren't returned on refunds, so a refunded £50 order still costs you the original processing fee.
How much is a Shopify chargeback fee in the UK?
£10 per chargeback on Shopify Payments. If you win the dispute, the fee is returned to you.
Why am I paying a transaction fee on gift card orders?
For stores created on or after 12 May 2025, Shopify applies its third-party transaction fee to orders paid with gift cards or store credit, at your plan's rate.
Sources
- Shopify pricing (UK), Shopify
- Fees and costs for selling internationally, Shopify Help Center
- Chargeback process, Shopify Help Center
- Shopify Tax pricing, Shopify Help Center
Related services and work
I'm a Shopify developer and CRO specialist. I have built and improved Shopify stores since 2018, completed more than 1,000 projects, and hold a 4.96 average rating across 719 client reviews.
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