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Cost verdict: compare eligible plans using the same payment mix, not just the subscription. A higher tier can save processing fees at sufficient volume; mandatory team features can also determine eligibility before arithmetic. Use the existing Shopify total operating-cost calculator for the full bill rather than a new duplicate tool.
Visible assumptions and calculation
Region is Belgium, EUR, official displayed rates verified October 8, 2026. Rates are not US dollar rates. This model covers successful online standard-card orders only. It excludes tax, refunds, disputes, international/Amex/Klarna rates, cash, gift cards, POS, shipping labels/postage, inventory and merchant labor. Enter shipping software separately from postage. Use checkout to establish tax inclusion and the applicable local contract.
| Belgium online model, EUR | Basic | Grow | Advanced |
|---|---|---|---|
| Subscription annual equivalent | €24/month | €69/month | €289/month |
| Subscription monthly | €32 | €92 | €384 |
| Standard online Shopify Payments cards | 2% + €0.25 | 1.8% + €0.25 | 1.6% + €0.25 |
| Shopify fee on eligible external-provider transactions | 2% | 1% | 0.6% |
Monthly cost = selected subscription + Shopify Payments standard-card charges on its own sales/orders + external processor charges on external sales/orders + Shopify third-party transaction percentage on eligible external sales + apps + shipping tooling. Annual recurring = monthly cost × 12 at unchanged volume. First year = annual recurring + one-time costs. Annual selection is a paid-yearly subscription equivalent, not monthly cancellation.
For mixed providers, declare both external revenue share and actual external order count: different baskets can have different average order values. The model never applies Shopify Payments processing to external orders. It adds the external provider's quoted charges and the applicable Shopify transaction fee only on the eligible external portion. Exemptions or special arrangements require a revised quote; do not use the model for mixed card types without separately calculating their rates.
Subscription versus checkout operations
The annual subscription equivalents total €288, €828 and €3,468 per year for Basic, Grow and Advanced respectively in the observed Belgian store. Monthly subscriptions total €384, €1,104 and €4,608 over twelve unchanged months. Those are subscription-only totals, not a savings promise or a US price list. Trials and introductory offers do not establish renewal prices.
For €10,000/month, 200 standard-card orders, Shopify Payments only, €50 apps and €20 shipping software: Basic is €344/month, Grow €369 and Advanced €569. Add theme/setup once, not every month. At this volume, card-rate savings alone do not justify Grow or Advanced. Annual Basic-to-Grow rate-only break-even is €22,500/month; Grow-to-Advanced is €220 / 0.002 = €110,000/month under unchanged standard-card assumptions.
Hidden lines that must stay visible
App subscriptions can include email, reviews, subscriptions, search, returns and accounting. Check overlap before adding two products that solve the same job. Shipping tooling is not postage: separately budget labels, carrier charges, returns and insurance. Themes may be a one-time purchase but customization and future maintenance are not automatically free. Payment routing can add platform transaction fees on top of an external processor's own charges; it must not add a second Shopify Payments fee to those same orders.
Grow advertises up to five staff accounts in the observed pricing table. Check the current entitlements needed for your team, international markets and reporting instead of using an obsolete plan name. Enterprise/Plus, POS Pro, accelerated-checkout rules and alternative payment methods need a separate scope and quote; this calculator does not model them.
Non-affiliate economic controls
WooCommerce has a different cost structure: hosting, maintenance, plugins, security and development remain payable even where the base software is free. Wix needs an eligible commerce plan and its own payment/app terms. Neither is a free equivalent of Shopify. Compare the same region, order count, integrations and operations workload; do not transfer Belgian Shopify rates to a US Wix or WooCommerce budget.
Before signing
Review Shopify's exact pricing destination (partner link). Keep Shopify pricing evidence direct. Verify tax treatment, payment eligibility, subscription commitment and app renewals in your own checkout. This is research-based budgeting, not a hands-on platform rating or personal financial advice. Published dates describe our verification, not a guarantee that every future checkout is unchanged.
Related budgets
- Shopify plan eligibility and total-cost reference
- Shopify operating-cost calculator
- Processor and currency conversion scenarios
- CRM costs beyond the ecommerce platform
- Media production team budget
- Creative task replacement economics
Next: budget ecommerce email and SMS at your actual list size; qualify landing-page traffic and testing spend.