Checkout.com vs Shopify: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Checkout.com 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 Checkout.com vs Shopify calculator works, and how the two compare
Checkout.com is a global enterprise payment processor with interchange-plus-plus pricing, popular with fintechs and large online brands. Checkout.com pricing is quote-based interchange-plus-plus (modeled here at roughly 2.2% + $0.20 all-in for US cards) with no published self-serve tier; it targets businesses with significant volume. 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 Checkout.com 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. Checkout.com operates as interchange-plus pricing that passes through card network costs plus a small markup, while Shopify operates as a subscription platform where you pay a monthly plan plus payment processing. Checkout.com competes with Adyen and Stripe's enterprise tier on custom pricing and global acquiring; it is not a sign-up-today option for small merchants. 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
- Checkout.com is modeled on: Quote-based interchange-plus-plus, modeled around 2.2% + $0.20 for US cards.
- 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.