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2026 · Shopify keep · Basic Shopify Payments · Not affiliated

Keep $96.80 on $100 — Shopify Payments (Basic)

Planning math for a Shopify merchant who absorbs card fees. Official first paint is Basic Shopify Payments domestic 2.9% + $0.30 on $100 → KEEP $96.80. Formula: KEEP = G − (0.029G + 0.30). Grow 2.7 / Advanced 2.5, premium cards 3.5%+$0.30, intl +1%, in-person Basic 2.6%+$0.10, PayPal Wallet starting 3.49%+49¢, and Plus from 2.25%+$0.30 are presets / extras, not first paint. Third-party extra 2%/1%/0.6%/0.2% plus a gateway fee you type — this page does not invent Stripe as that gateway. Monthly software is a typed line, default $0, not inside KEEP. No official surcharge % is printed. Not affiliated. Planning only.

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Keep after Basic Shopify Payments

$96.80

Official Basic SP 2.9%+$0.30 You type plan, third-party gateway, intl

$100 − 2.9% − $0.30. Basic Shopify Payments, absorb. Monthly $0. Planning only.

Processing
$3.20
Monthly
$0.00
Keep
$96.80
2 more plannersPayPal Wallet and Plus from-rates are extras. Monthly $0 is not in KEEP.

PayPal Wallet vs Basic SP

PayPal Wallet starting 3.49%+49¢ is an extra, not first paint. Plus card rates start from 2.25%+$0.30 — a from-rate, not an exact official default.

Basic SP (first paint)
$96.80
PayPal Wallet extra
$96.02
Plus from 2.25% extra
$97.45

Monthly software (not in KEEP)

Typed line, default $0. Never baked into the $96.80 first paint.

$0.00

Monthly on first paint is $0. Sales-to-cover is extra planning.

Worked example · no click required

Default $100 Basic Shopify Payments → $96.80 keep

Absorb. Monthly $0. Tax buffer $0. Official row is shopify.com/pricing (help.shopify.com payments/fees returned 403 this fetch).

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The formula

KEEP = G − ((Payments% + third-party extra% + gateway% + intl%) ÷ 100 × G + Payments$ + gateway$ ) − tax buffer

Monthly software is a line you type and is not subtracted from KEEP. Official first paint uses Basic Shopify Payments 2.9%+$0.30, everything else 0.

Processor table (Shopify Payments — not a range)

Sources

shopify.com/pricing. help.shopify.com payments/fees returned 403 this fetch — lock stays on /pricing. Affiliates: shopify.com/affiliates (untracked).

FAQ

How much do you keep on $100 with Basic Shopify Payments?

Default first paint: KEEP $96.80. Official Basic Shopify Payments domestic 2.9% + $0.30. Fee = 0.029 × 100 + 0.30 = $3.20. KEEP = 100 − 3.20 = $96.80. Monthly software is a typed line, default $0, not inside KEEP. Tax buffer $0. Absorb — this page does not print an official surcharge %. Planning only. Not affiliated with Shopify. Sources: shopify.com/pricing.

What about Grow, Advanced, Plus, or PayPal Wallet?

Presets, not first paint. Grow Shopify Payments 2.7%+$0.30 → KEEP $97.00 on $100. Advanced 2.5%+$0.30 → $97.20. Premium cards 3.5%+$0.30 → $96.20. Intl +1% on Basic → $95.80. In-person Basic 2.6%+$0.10 → $97.30. PayPal Wallet starting 3.49%+49¢ is an extra (KEEP $96.02 on $100). Plus card rates start from 2.25%+$0.30 — a from-rate extra, not an exact official default (KEEP $97.45 if you type 2.25%+$0.30). Third-party extra is 2%/1%/0.6%/0.2% PLUS a gateway fee you type — do not invent Stripe as the gateway.

Is monthly Shopify billed inside $96.80?

No. Monthly software is a separate line you type, default $0, never baked into per-sale KEEP.

Is this affiliated or a tax engine?

Not affiliated with Shopify. Public apply: shopify.com/affiliates (untracked). Tax buffer is a dollar you type. Not a 50-state tax engine. Educational planning only.

Homepage rate calculator Airbnb host keep Course keep Stripe vs Wise

Square Online keepFree online 3.3%+$0.30 → $96.40. Shopify keepYou’re here — Basic SP $96.80. Store keepApp Store / Play / Steam. All KEEP hubsDirectory of take-home calculators.
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