Pricing and quotation guide
Shopify payment setup cost
Setting up payments is usually a modest one-off task. The larger and longer-lasting cost is the fees taken from every order, which depend on the provider you choose, the methods customers use and where they pay from.
This page separates the two: what the setup work involves, and how to research ongoing payment fees before you commit.
Illustrative diagram
Payment costs
- One-off setup
- Configuration
- Testing
- Provider fees
- Card processing
- Currency conversion
- Platform fees
- Third-party transaction fee, if applicable
- Other
- Chargebacks
- Monthly provider fees
One-off setup, ongoing fees
Payment setup is a short piece of work: choosing a provider, guiding verification, configuring methods and testing. Its cost does not change much with the size of your store.
Payment fees are different. They are taken from every order for as long as you trade, so a small difference in fee structure matters far more over a year than the setup quotation. That is why we spend part of the setup helping you compare fees properly.
What affects the setup quotation
- Number of providers
- Adding a second provider or wallet means more configuration and more test orders.
- Currencies and markets
- Multi-currency selling needs market settings checked alongside payments.
- Manual payment methods
- Bank transfer or cash on delivery need instructions and order handling rules.
- Existing configuration
- Reviewing and correcting an existing setup can take longer than starting cleanly.
- Owner guidance
- A call to guide verification steps adds time but often prevents delays.
Costs paid to third parties (separate from our fees)
- Card processing fees charged by your payment provider
- Shopify third-party transaction fees when not using Shopify Payments
- Currency conversion fees
- Chargeback and dispute fees
- Any monthly fees charged by a payment provider
These fees are set by Shopify and payment providers, vary by country and plan, and change over time. Check their current pricing pages.
A worksheet for comparing provider fees
Fill this in from each provider's current pricing for your country.
| Fee | Provider A | Provider B |
|---|---|---|
| Domestic card fee per order | From their pricing page | From their pricing page |
| International card fee | From their pricing page | From their pricing page |
| Shopify third-party transaction fee | Applies or not | Applies or not |
| Currency conversion | From their pricing page | From their pricing page |
| Payout timing | From their terms | From their terms |
Multiply per-order fees by your expected monthly orders to compare like for like.
Why fees matter more than setup
Illustrative example — not a client case study
Situation: A new store expects a steady number of orders each month and is choosing between two providers with slightly different per-order fees.
- The setup work is similar for both providers.
- Across a year of orders, the small per-order difference adds up to more than the setup quotation.
- The owner also weighs payout timing and which methods customers prefer.
What this shows: Choosing the provider carefully has more financial impact than the cost of setting it up. Figures are illustrative and depend on your own volumes and fees.
Before requesting a quotation
Know
- Your business country
- Where most customers are
- Roughly how many orders you expect
Decide
- Whether you need several currencies
- Whether you will accept bank transfer or other manual methods
How order volume changes the picture
At low volume, payment fees are a small amount each month and the convenience of a simple setup may matter most. As volume grows, the same per-order differences become significant, and providers sometimes offer different terms to businesses processing more.
Revisit your payment choice once your store has a few months of real orders. You will then know your actual average order value, how many customers pay from abroad and which methods they use, which makes a fee comparison far more accurate than estimates made before launch.
Questions about Shopify payment setup cost
Is payment setup expensive?
It is usually one of the smaller setup tasks. The ongoing payment fees are the bigger financial decision.
Do I pay Shopify extra if I use another payment provider?
Shopify states that third-party transaction fees apply to orders processed through third-party gateways. Check Shopify's pricing for your plan and country.
Can I change payment provider later?
Yes, but changing provider means a new verification and new tests, so it is worth choosing carefully at the start.
Do manual payment methods cost more to set up?
A little, because they need clear instructions and a process for marking orders as paid.
Are currency conversion fees part of your quotation?
No. They are charged by payment providers. We help you find where they are listed.
Can payment setup be done with the rest of the store?
Yes. It is normally part of a full store setup, and can also be quoted separately.
Do refunds cost money in payment fees?
It depends on the provider. Some do not return the original processing fee when you refund an order, so check their refund terms.
Is a second payment method worth its setup cost?
If a meaningful share of your customers prefer it, usually yes. Checking which methods are common in your markets helps decide.
Sources referenced
Platform features, guidance and rules change. We check the current versions before committing to an approach. This page is general information, not legal advice.
- Shopify Help Center: Third-party payment providers (opens in a new tab) — reviewed 2026-10-22
Request a Custom Quote
Ask about Shopify payment setup cost
Thank you — your enquiry has been sent.
We have received your message and will reply by email. If you need to add anything, email info@letgetgrow.com.