Shopify POS Fees in Canada (2026): Real Costs and Catches

The bottom line

Shopify starts at $49 a month on the Basic plan. With Shopify Payments, in-person card sales cost 2.6% and online card payments cost 2.8% + 30¢.

At $10,000 a month in in-person card sales, that’s about $309 a month including the plan. Shopify makes the most sense when you sell online and in a store and want one system for both.

Shopify POS fees at a glance

Visit Shopify POS

Pricing model: tiered
Contract: Monthly or yearly billing
Payouts: Not published
Monthly cost to take cards: $49 (Basic plan)
True cost: first year at $10,000/month in card sales (est.): $3,777 (12 months of processing at 400 payments a month, plus the listed monthly cost, plus the WisePad 3 Card Reader at $69)

Payment type	Rate	Source
In person (card present)	2.6%	shopify.com
Online	2.8% + 30¢	shopify.com
Interac debit	15¢	shopify.com
American Express	3.5% + 30¢	shopify.com

Monthly fees and plans

Basic (includes POS Lite): $49/month
Grow: $132/month
Advanced: $517/month
Plus: $3,400/month
POS Pro add-on: $119/month

Checked October 19, 2026 on shopify.com. Prices change, so confirm with Shopify POS before you sign.

Who it’s for

Businesses that sell online and in person. One system runs your online store and your counter.
Online stores adding a pop-up or a shop. POS Lite is included in the Basic plan.
Growing stores. Rates drop on bigger plans: in person goes from 2.6% on Basic to 2.5% on Grow and 2.4% on Advanced.
Busy retail locations. Shopify recommends POS Pro for stores with “a lot of foot traffic, multiple tiers of staff, or a large inventory catalog.”

Who should skip it

Businesses that only sell in person. You’d pay $49 a month for an online store you don’t need. Square’s Free plan has no monthly fee.
Owners who want to keep their current processor. Shopify adds 2% per sale on Basic if you don’t use Shopify Payments.
Online shops with lots of Amex or international buyers. Those cards cost 3.5% + 30¢ online on Basic.

The catch

Using your own processor costs extra. If you don’t use Shopify Payments, Shopify adds 2% per sale on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. That’s on top of your other processor’s fees.

POS Pro is billed yearly, per location. Shopify lists it at $119 a month for each location, paid for the year.

Amex and international cards cost more online. On Basic, they’re 3.5% + 30¢ instead of 2.8% + 30¢.

Hardware prices aren’t published. Shopify’s Canadian hardware page doesn’t list prices. Get a quote before you plan your budget.

Payout timing isn’t on the page. Shopify’s Canada help page doesn’t state how fast payouts arrive. Ask before you switch if cash flow is tight.

The top plan is a long commitment. Shopify Plus starts at $3,400 a month and is listed as a three-year subscription.

What it costs at your size

These are estimates. They use Shopify Payments rates on the Basic plan at the monthly price of $49, and assume every card is a Canadian card.

Example 1: $10,000 a month in person, 400 card payments.

Percentage: 2.6% × $10,000 = $260
Per payment: 0¢
Basic plan: $49
Estimated total: $309 a month, about 3.1% of sales

Example 2: $10,000 a month online, 400 orders.

Percentage: 2.8% × $10,000 = $280
Per payment: 400 × 30¢ = $120
Basic plan: $49
Estimated total: $449 a month, about 4.5% of sales

Paying yearly lowers the Basic plan to $37 a month, which takes $12 off each example. If you add POS Pro for one store, add $119 a month.

Check what you pay today in the fee calculator.

Compared with

Square: a flat 2.5% in person and 2.8% + 30¢ online, with a free plan that lets you sell in person and online.
Lightspeed: a deeper retail POS from $139 a month on Retail Basic, with card processing at 2.6% + 10¢ in person.

Visit Shopify Or check your real rate in the calculator first

Beyond the rate

What the rate table doesn't show, taken from Shopify POS's own terms and help pages.

Can they hold your money?
Shopify can set up a reserve that holds some or all of the money from a sale for a period of time, and can change the reserve terms at any time.
Source: shopify.com
Works offline?
Yes. Must be turned on in the admin; POS app 9.14.0 or later and a listed compatible reader; swipe, Tap to Pay and manual entry not supported offline; Interac not accepted offline in Canada; you set a device daily limit and a per order limit; reconnect ideally within 24 hours; a declined payment is only known after reconnecting.
Source: help.shopify.com
Hardware lock-in
Shopify says its own supported card readers need Shopify Payments, but you can use an outside card reader instead.
Source: help.shopify.com
Leaving
You can close your Shopify Payments account at any time, and Shopify will not refund fees you already paid.
Source: shopify.com
Support
24/7 (Shopify's claim). Live chat on every plan; Plus adds priority 24/7 phone support
Source: shopify.com

Common questions

What are Shopify Payments fees in Canada?

On the Basic plan, Shopify lists 2.6% per in-person card sale, 15¢ per in-person Interac payment and 2.8% + 30¢ per online card payment. Online Amex and international cards cost 3.5% + 30¢. Rates drop on bigger plans, down to 2.4% in person on Advanced and Plus.

How much is Shopify POS in Canada?

Shopify's Basic plan, which includes POS Lite, is $49 a month, or $37 a month if you pay yearly. Grow is $132 a month and Advanced is $517. If you need POS Pro for a busy store, Shopify lists it as an extra $119 a month per location, billed yearly.

Can I use a different payment processor with Shopify?

Yes, but Shopify charges an extra fee on every sale when you do. It's 2% on Basic, 1% on Grow, 0.6% on Advanced and 0.2% on Plus. That is on top of whatever the other processor charges you, so add both together when you compare costs.

What is Shopify's chargeback fee in Canada?

Shopify's help centre lists the chargeback fee for Canada as $15 CAD or $15 USD. That's in line with Helcim's $15 if you lose and Lightspeed's $15, and lower than the $25 Moneris lists. Stripe charges CA$15 per dispute, plus CA$15 more if you contest it.