If you leave Shopify Payments but keep selling on Shopify, Shopify usually adds a third-party payment fee on every order that gateway processes. That surcharge sits on top of the processor's own rate. This page explains the numbers, how Whop checkout is priced instead, and when staying on Shopify Payments is still the better move.
Shopify's third-party surcharge
Shopify publishes these rates on its pricing page (confirm on your plan; they can change):
| Shopify plan | Third-party provider fee |
|---|---|
| Basic | 2% |
| Grow | 1% |
| Advanced | 0.6% |
| Plus | 0.2% |
So a gateway advertising "2.9% + $0.30" on Basic is really closer to 4.9% + $0.30 before currency conversion, international premiums or chargebacks. On Grow it is about 3.9% + $0.30, and so on.
What Whop checkout costs instead
With OneClick Upsell routing Shopify checkout through Whop:
- Our fee right now: a flat monthly subscription. The Shopify checkout add-on is $99.95/mo. We do not take a percentage of those sales currently.
- Whop processing: still applies — from 2.7% + $0.30 on domestic cards, with other methods listed in Whop Docs: Fees. Details and payouts: Whop fees and payouts.
- Shopify invoice: check how synced or app-related orders show up on your Shopify bill. Do not treat "no Shopify third-party fee" as a guaranteed fact for every order type — verify on your statement.
You are comparing (gateway % + Shopify surcharge) against (Whop % + flat monthly tool fee).
Add one-click upsells to your Whop
Install OneClick Upsell from the Whop App Store and offer a post-purchase upsell in a few minutes.
How that compares to "checkout redirect" tools
Several Shopify apps also move buyers off native checkout (names you will see in reviews and ads include tools in the Pendym, Crisp, Lasso and Settl category). Pricing models differ: some charge a monthly fee, some take a cut of volume, some mix both. Always read the live pricing page before you commit — those offers change.
What stays true in the comparison:
- If the tool keeps you inside Shopify Admin as a third-party provider, expect Shopify's surcharge table above.
- If the tool is a separate merchant account or redirect (like Whop), you pay that network's processing plus the tool's subscription or rev-share — not necessarily Shopify's gateway surcharge. Confirm with your accountant and your Shopify bill.
Our current stance for new signups: flat monthly fee, no percentage from us right now, plus Whop's standard processing.
Worked example
Assume $40,000 / month card volume on Shopify Basic, domestic cards only.
Third-party gateway on Shopify (illustrative 2.9% + $0.30 and 2% Shopify surcharge):
- Processor: 2.9% × 40,000 = $1,160, plus per-order cents
- Shopify surcharge: 2% × 40,000 = $800
- Rough total variable: about $1,960+ / month before the $0.30 lines
Whop checkout via OneClick Upsell (illustrative):
- Whop processing at 2.7%: 2.7% × 40,000 = $1,080, plus $0.30 per order
- OneClick Shopify add-on: $99.95 flat
- No percentage from us on top right now
At this volume the flat tool fee is small next to processing. The bigger swing is avoiding (or not avoiding) Shopify's 2% — which is why you should confirm order treatment on your Shopify invoice rather than assuming.
On Plus (0.2% surcharge) the gap shrinks; on Basic it is usually the reason merchants model an alternative.
When you should stay on Shopify Payments
- Your approval is stable and your category is a good fit for Shopify Payments
- You depend on Shop Pay conversion and do not want to trade it away
- Your volume is low enough that a $99.95 add-on does not pencil out yet
- You need every Shopify checkout app that only works on Shopify Payments
Whop is a better fit when fees, holds, wallets without Shopify Payments, or one-click upsells after an outside processor matter more. See Shopify Payments alternatives and high-risk merchant payments on Whop.
Setup CTA
Connect Whop checkout to Shopify in about 10–15 minutes inside the app — install, connect the custom app from onboarding, go live. No theme file paste for the basic path.
Install OneClick Upsell · step-by-step: Connect Whop payments to Shopify
Related reading
Sources
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