JPMorgan Chase vs Shopify
Shopify scores higher overall (79 vs 70), but the right choice depends on your size and card mix. If you sell online, the bundled economics and Shop Pay conversion lift make Shopify Payments the default — just accept that you are marrying the platform.
Updated 2026-08-07JPMorgan Chase
Bank-grade acquiring with same-day deposits to Chase accounts
70/ 100
2.9Merchant Score
- Pricing
- 3.7
- Features
- 3.4
- Ease of use
- 3.3
- Customer support
- 3.6
- User reviews
- 3.1
- Pricing model
- Quote-based / interchange-plus
- Headline rate
- 2.6% + $0.10
- Monthly fee
- $15/mo
- Contract
- Negotiated; month-to-month available
- Payouts
- Same day to Chase accounts
- Hardware
- Purchased or leased
Strong fit for
- Merchants already banking with Chase
- Businesses that value cash flow and stability
- Volume merchants ready to negotiate
Shopify
The ecommerce platform with payments built in
79/ 100
4.3Merchant Score
- Pricing
- 3.2
- Features
- 4.7
- Ease of use
- 4.4
- Customer support
- 3.5
- User reviews
- 4.1
- Pricing model
- Flat rate, tiered by plan
- Headline rate
- 2.9% + $0.30 online · 2.6% + $0.10 in person
- Monthly fee
- $39/mo
- Contract
- None — monthly or annual plans
- Payouts
- 2-3 business days
- Hardware
- POS Go $299, reader $49
Strong fit for
- Online-first brands of any size
- Merchants selling internationally
- Stores that want checkout conversion above all
Which one is cheaper for your business?
Averages hide your card mix. Upload one statement and we project your exact costs on JPMorgan Chase, Shopify, and every other provider we track.
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