Chase vs Shopify Payments Fees (2026): Which is Cheaper?

Chase Payment Solutions charges 2.9% plus 25¢ for e-commerce transactions and 2.6% plus 10¢ for in-person payments. Shopify Payments charges 2.4% to 2.9% plus 30¢, depending on your subscription tier. While processors commonly take about 3% of a purchase amount per transaction, these two structure their baseline fees differently across sales channels.

Shopify Payments ties its processing rates to its software tiers. Costs scale down from 2.9% plus 30¢ on entry-level plans to 2.4% plus 30¢ on high-volume plans. Chase maintains flat published rates for basic tiers regardless of subscription status. It charges 2.9% plus 25¢ for online sales and 2.6% plus 10¢ for tap, dip, or swipe transactions. Manually keyed transactions and payment links on Chase cost 3.5% plus 10¢.

Let's look at the broader market. When we compare Chase Payment Solutions vs Square, Square charges 2.6% plus 10¢ in-person and 2.9% plus 30¢ online. Stripe charges 2.9% plus 30¢ online and 2.7% plus 5¢ in-person. Amazon Pay charges 2.9% plus 30¢ for online checkout. PayPal charges 3.49% plus 49¢. Clover processing plans typically charge 2.3% plus 10¢ per transaction.

Online processing with Chase costs a flat 2.9% plus 25¢ per transaction. This saves 5¢ in fixed fees compared to Shopify's 30¢ fixed fee. Shopify offers lower percentage rates between 2.4% and 2.9%, but hitting that 2.4% floor requires paying for higher-tier Shopify platform subscriptions.

Fixed per-transaction fees heavily impact margins on smaller tickets. Chase's 25¢ fixed fee creates immediate savings on every online order over Shopify's standard 30¢. Both processors apply their published rates to major credit card networks and digital wallets, including Visa, Mastercard, American Express, Discover, JCB, Apple Pay, and Google Pay.

Choosing between these models comes down to your appetite for fixed software overhead. Shopify bundles processing with platform subscriptions starting at $14.44 per month on annual billing. Chase delivers flat e-commerce rates without forcing a monthly software subscription on basic tiers.

Chase offers an in-person rate of 2.6% plus 10¢ per transaction. The processor also provides custom volume pricing models that drop overall rates lower. This baseline card-present rate creates immediate efficiency for retail businesses processing card swipes, dips, and taps.

Across our statement data, Chase yields a 2.76% real-world effective rate across two observations. This real-world performance beats user-review claims of a 3.20% blended effective rate across one observation. It shows how custom interchange-plus structures beat flat-rate pricing for established businesses. Base US credit interchange published network rates include Visa Credit CPS Retail at 1.51% plus $0.10 and Mastercard Consumer Credit Merit III Core at 1.65% plus $0.10. Regulated debit interchange sits at 0.05% plus $0.22 for both Visa Debit CPS Regulated and Mastercard Debit Regulated.

High-volume merchants can request custom pricing from Chase. These contracts often use interchange-plus models. Basic pricing tiers apply the identical fee across all cards, but custom pricing varies by card type. This helps high-volume retail sellers capture true wholesale interchange costs, bringing actual rates closer to parity with baseline network fees.

Shopify Payments requires a mandatory platform subscription starting at $14.44 per month on annual billing. Chase waives monthly platform fees on its basic pricing tiers. This structural difference makes Chase a lower-overhead option for merchants who do not need Shopify's distinct e-commerce ecosystem.

Deposit timing also divides the two processors. Chase merchants receive deposits as soon as the same day at no extra cost when routing funds to a Chase business checking account. Hardware is not included in Chase's standard processing fees and must be purchased separately.

You should always audit your Chase merchant statement for hardware fees or custom plan charges, but Chase's basic tiers incur zero recurring access fees. For businesses seeking standalone processing and rapid liquidity, free same-day funding eliminates standard transfer delays.