Shopify Paymentsvs
Stripe·IrelandShopify Payments vs Stripe fees in Ireland
A side-by-side look at Shopify Payments and Stripe public card-processing rates for Irish businesses, with a sample €10,000/month scenario.
- Saving at €10,000/mo
- €57/mo
- Shopify Payments
- €274/mo
- Stripe
- €217/mo
Stripe is lower in this example · ≈ €684 a year
2.74% effective rate
2.17% effective rate
Shopify Payments and Stripe are different choices even though Stripe powers many online payment experiences. Shopify Payments is built into Shopify and is tied to your Shopify plan. Stripe is a standalone payments platform that can be used across custom websites, SaaS products, marketplaces and many integrations.
This comparison uses Shopify Payments on the Basic plan, with the public yearly-billed monthly plan price and the published online card rate. That means the estimate includes a Shopify platform fee assumption, while Stripe is treated as payment processing without a monthly platform fee.
Quick answer
Use this as a starting point before checking the fee table.
Choose Shopify Payments when Shopify is already your ecommerce platform. Choose Stripe when you need standalone payment infrastructure outside Shopify or you are building a custom checkout.
Choose Shopify Payments if
your store already runs on Shopify Basic and you want payments to stay inside Shopify's checkout and admin workflow.
Choose Stripe if
you are not committed to Shopify, or you need custom checkout, subscriptions, marketplaces or broader API control.
What this guide compares
Use this to rule providers in or out before checking the details that matter to your business.
- Included
- Public card-processing fees, supported features and common Irish small-business use cases.
- Not included
- Negotiated rates, hardware purchases, chargebacks, refunds, currency conversion, optional software plans and provider-specific add-ons unless explicitly stated.
Main fee differences
These are the assumptions most likely to move the estimate.
What changes the fee gap
- Praghas includes the Shopify Basic monthly plan assumption because Shopify Payments is tied to a Shopify plan.
- Shopify card rates vary by plan; this guide models Basic only.
- Stripe is treated as standalone payment processing without a monthly platform fee.
Watch out for
- This is not a full ecommerce-platform cost comparison; Shopify apps, themes and operational value are separate.
- Third-party transaction fees may apply inside Shopify if you use a third-party payment provider instead of Shopify Payments.
- Shopify's published card rate is described as 'from', so non-standard cards or plans may differ.
Feature comparison
Capability coverage from the Praghas provider directory.
- Online checkout
- Shopify PaymentsYesStripeYes
- Payment links
- Shopify PaymentsPartialStripePartial
- In-person terminals
- Shopify PaymentsPartialStripeYes
- POS / commerce tools
- Shopify PaymentsYesStripePartial
- Subscriptions
- Shopify PaymentsPartialStripeYes
- Developer APIs
- Shopify PaymentsPartialStripeYes
- Business account
- Shopify PaymentsNoStripeNo
| Feature | Shopify Payments | Stripe |
|---|---|---|
| Online checkout | Yes | Yes |
| Payment links | Partial | Partial |
| In-person terminals | Partial | Yes |
| POS / commerce tools | Yes | Partial |
| Subscriptions | Partial | Yes |
| Developer APIs | Partial | Yes |
| Business account | No | No |
Example fee comparison
Based on €10,000.00/month, €50.00 average sale, default online payment mix. Run your own numbers for an accurate comparison.
| Provider | Monthly | Annual | Rate | vs lowest | |
|---|---|---|---|---|---|
| €217.00 | €2,604.00 | 2.17% | Baseline | Visit provider | |
| €274.00 | €3,288.00 | 2.74% | +€57.00/mo+€684/yr | Visit provider |
The table sorts the two providers by estimated monthly fee for this sample scenario only. It is not a quality ranking or recommendation.
When each is a fit
Use these notes as decision prompts before running your own numbers.
Consider Shopify Payments if
- Your store already runs on Shopify Basic
- You want checkout, store operations and payments in one platform
- You want to avoid extra third-party payment-provider complexity inside Shopify
Consider Stripe if
- You are building a custom checkout, SaaS product or marketplace
- You want deeper API control and broader payment infrastructure
- You do not need the Shopify store platform included in the comparison
The verdict
Shopify Payments is best judged as part of the wider Shopify store package, not just as a card rate. Stripe is cleaner to compare as standalone payment infrastructure. If you already need Shopify, compare the all-in store cost; if you are not tied to Shopify, compare Stripe against other online processors directly.
Read the provider notes
Each provider page lists the rates, assumptions and exclusions used by Praghas.
Frequently asked questions
The current Praghas model uses Shopify Basic with the yearly-billed monthly plan price, because Shopify Payments is tied to a Shopify plan rather than being a standalone processor in this comparison.
No. The comparison depends on whether you already need Shopify as your ecommerce platform. The calculator shows the payment-fee estimate, but platform value and app costs need separate judgement.
Sources
- Shopify Payments pricing
Shopify Payments
- Stripe pricing
Stripe
Figures are estimates based on public standard pricing and may be out of date. Confirm current rates with each provider before deciding.