Same $100 · locked hub formulas
Shopify keeps $0.78 more on this $100 payment sketch (before COGS / monthly plan). Official first-paint from /shopify-keep/ and /paypal-checkout-keep/.
Winner path: Start Shopify — keep $96.80 on $100 (Basic Payments · Impact · FTC) · planning only · compare ranker · payments compare
I get commissions for purchases made through links in this post. Compensated as a Shopify affiliate.
Official first-paint ONLY — rates locked to /shopify-keep/ (#out $96.80) and /paypal-checkout-keep/ (#out $96.02). No invented interchange / BNPL / plan bake-in. Last verified 2026-09-18.
Last verified: 2026-09-18 · Locked hubs /shopify-keep/ (#out $96.80) · /paypal-checkout-keep/ (#out $96.02) · planning only · Fee changes · live ranker
Shopify lock: 2.9%+$0.30 → KEEP = sale − 0.029×sale − 0.30. PayPal lock: 3.49%+$0.49 → KEEP = sale − 0.0349×sale − 0.49.
Reverse / target KEEP · locked hub formulas
Enter the net you want after fees. We solve the charge each locked formula needs. Same algebra as /seller-fees/break-even/. No invented fees.
Reverse: Shopify sale = (KEEP + 0.30) / 0.9710 · PayPal sale = (KEEP + 0.49) / 0.9651. Forward check on $100: Shopify $96.80 · PayPal $96.02.
Payment rails SERP pack: same charge on Shopify Basic Payments and PayPal Checkout using only locked KEEP hubs — not a slogan, and not an invented interchange row. On $100, Shopify KEEP is $96.80; PayPal is $96.02 (Shopify ahead by $0.78). Board: payments KEEP compare.
| Rail | Official starting fee (hub lock) | KEEP on $100 | Hub |
|---|---|---|---|
| Shopify Basic Payments | 2.9%+$0.30 | $96.80 | /shopify-keep/ |
| PayPal Checkout | 3.49%+$0.49 | $96.02 | /paypal-checkout-keep/ |
Winner on this $100 sketch: Shopify by $0.78 vs PayPal (processing keep — not traffic). Disclosed Shopify Impact affiliate under the card.
Formula on hub: KEEP = sale − 0.029×sale − 0.30. Sources linked from Shopify KEEP.
Formula on hub: KEEP = sale − 0.0349×sale − 0.49. Sources linked from PayPal KEEP.
Shopify Basic Payments KEEP $96.80 (2.9%+$0.30). PayPal Checkout KEEP $96.02 (3.49%+$0.49). Shopify keeps $0.78 more on this $100 sketch. Planning only.
Yes. First-paint only those locked official starting formulas. Shopify: KEEP = sale − 0.029×sale − 0.30. PayPal: KEEP = sale − 0.0349×sale − 0.49. No invented interchange.
No. Monthly plan / subscription opex is typed separately on hubs (default $0) and never baked into per-sale KEEP.
Not affiliated with PayPal, Stripe, or Square. Shopify Impact links are disclosed affiliates (FTC). Educational planning only. Confirm live fees in each dashboard.
Keep $96.80 on Shopify — Start Shopify (Impact · FTC) Shopify KEEP hub PayPal KEEP hub Payments compare
Break-even list price Seller fee index Payments KEEP compare Handmade Etsy vs Shopify Shopify vs Amazon Shopify KEEP $96.80 PayPal KEEP $96.02 Compare marketplaces