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Tool · Calculator

What your store pays each month on Shopify Payments, Shopify with an outside processor, Checkout Champ and Whop, using each company's published US rates.

Your store

$
$

≈ 2,000 orders a month

%

Outside processor quote

%
$

Used for Shopify with an outside processor and for Checkout Champ, which needs your own gateway. Swap in the rate from your merchant account quote.

Monthly fees, lowest first

$100,000 / mo in sales

  1. Whop Lowest

    Whop storefront and checkout

    $3,590

    3.59% of sales

    Card fees
    $3,300
    International surcharge
    $150
    Radar fraud screening
    $140

  2. Shopify Payments

    Basic plan

    $3,629

    3.63% of sales · +$39

    Plan
    $29
    Card fees
    $3,500
    International surcharge
    $100

  3. Checkout Champ

    Growth plan, your processor's rate

    $4,800

    4.80% of sales · +$1,210

    Plan
    $300
    Checkout Champ 1%
    $1,000
    Processor fees
    $3,500

  4. Shopify + outside processor

    Basic plan, your processor's rate

    $5,529

    5.53% of sales · +$1,939

    Plan
    $29
    Shopify third-party fee
    $2,000
    Processor fees
    $3,500

Over a year, the gap between the lowest and highest option is $23,268.

What's included

Plan fees, card fees and international card surcharges at each company's standard online rate. Shopify's third-party transaction fee applies when you use an outside processor. Checkout Champ adds its 1% on top of your own gateway.

Not included: dispute fees, currency conversion, premium card rates, payout fees, reserves, and app or hosting costs. Premium cards like corporate and rewards cards cost more on Shopify Payments.

Sources