Common Gateways and Their Average Rates
Last updated: January 30, 2026
Unsure of what you pay per gateway? While Shopify Payments is captured automatically, we recommend adding average rates to begin capturing the costs you pay per transaction. To determine your actual rates, check your agreements with the gateways you currently use
Payment Gateway | 🇪🇺 EU | 🇬🇧 UK | 🇺🇸 US |
Shopify Payments | ~1.8% + €0.25 | ~1.8% + £0.25 | 2.9% + $0.30 |
PayPal | ~2.99% + €0.35 | ~2.99% + £0.30 | 3.49% + $0.49 |
Klarna | ~4-6% | ~4-6% | ~4-6% |
Afterpay | ~4-6% | ~4-6% | ~4-6% |
Clearpay | ~4-6% | ~4-6% | ~4-6% |
~2.9% + €0.30 | ~2.9% + £0.30 | 2.9% + $0.30 | |
Stripe | ~1.4% + €0.25 | ~1.4% + £0.20 | 2.9% + $0.30 |
Square (online) | ~1.9% + €0.25 | ~1.9% + £0.30 | 2.9% + $0.30 |
Amazon Pay | ~2.7% + €0.35 | ~2.7% + £0.30 | 2.9% + $0.30 |
Braintree (PayPal) | ~1.9% + €0.30 | ~1.9% + £0.20 | 2.89% + $0.29 |
WooPayments | ~1.4% + €0.25 | ~1.4% + £0.20 | 2.9% + $0.30 |