Shop (Shop App and Shop Pay) vs Shopify: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Shop (Shop App and Shop Pay) and Shopify across the selling types both offer, using published US pricing.
Selling online (eCommerce)
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the Shop (Shop App and Shop Pay) vs Shopify calculator works, and how the two compare
Shop (Shop App and Shop Pay) is Shopify's consumer shopping app and accelerated checkout, not a standalone selling platform. Shop and Shop Pay carry no separate merchant subscription: they come with a Shopify store, and payments are billed at your Shopify plan's normal rates (2.9% + $0.30 online on Basic). Shopify is the leading dedicated eCommerce platform in the US, which also sells in person through Shopify POS. Shopify Basic is $39 per month at 2.9% + $0.30 online with Shopify Payments (Grow $105 at 2.7% + $0.30); in-person processing is 2.6% + $0.10 with POS Lite included in every plan, and POS Pro adds $89 per month per location.
How they are similar: Where they overlap: both Shop (Shop App and Shop Pay) and Shopify cover selling online, which is what this calculator compares. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Only Shopify offers in-person card readers and a full POS system, so that side of the business is not part of this comparison. Shop (Shop App and Shop Pay) operates as a complementary service rather than a direct payments or storefront competitor, while Shopify operates as a subscription platform where you pay a monthly plan plus payment processing. Shop is a discovery and checkout layer on top of Shopify rather than a competitor to it: you cannot use Shop without a Shopify store, so the real cost is simply your Shopify plan. Shopify's strength is depth and ecosystem: the largest app store in commerce and true omnichannel selling, but third-party gateways trigger an extra 0.6% to 2% fee and app costs creep up at scale.
Assumptions used in this calculator
- Shop (Shop App and Shop Pay) is modeled on: No separate fee; requires a Shopify store, billed at your Shopify plan rates.
- Shopify is modeled on: Basic $39 per month, 2.9% + $0.30 online with Shopify Payments.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.