Shopify Payments Fees in Canada: Plans, POS and Third-Party Charges

A Shopify plan is more than a payment rate

Shopify's Canadian POS pricing page shows store plans, online and in-person card pricing, and POS Pro charges by location. Start with the actual plan and billing frequency rather than a rate copied from a different country or plan.

Build a monthly model with the store subscription, apps, required POS features and payment activity. State which costs already exist so a comparison does not incorrectly treat the whole platform as a new processing charge.

POS Pro, locations and hardware

List each location and the features its staff require. Decide which locations need POS Pro, then add the compatible hardware and any accessories. A multi-location retailer needs a different model from a single counter.

• Required locations and registers
• Staff roles and return workflow
• POS Pro versus included features
• Hardware, apps and integration costs

Using an outside payment provider

Shopify's help documentation describes third-party transaction fees and exceptions. Those are platform charges that can sit alongside an outside provider's processing charges. Confirm the treatment of each payment method rather than assuming one rule covers every order.

When comparing a different processor, check whether it is supported for the required country and checkout. A cheaper processing proposal is incomplete if it omits the platform cost or cannot support the intended workflow.

Compare Shopify with Clover, Square or another retail setup

Start with the retail and online operations that must stay connected: inventory, orders, customer records, returns and reporting. Test those tasks in the proposed configuration before reducing the decision to a credit-card percentage.

Use the same sales mix and location count for every proposal. Account for migration and staff training as well as subscriptions and processing, and avoid paying twice for tools that already serve the same job.