FOR SHOPIFY MERCHANTS
In-person card rates are usually cheaper than checkout. Postage markup can erase that. Enter your online rate, your tap rate, and what you charge to ship — then see pickup vs checkout, the rate-only gap on the same ticket, and how many taps recover a reader.
| Path | Revenue | Fees | Profit | Margin |
|---|
Pickup zeros shipping charged and shipping you pay. The same-ticket row keeps postage so you can see the card-rate gap alone. Transparent arithmetic from your inputs — not Shopify's current fee schedule.
Merchants search “Shopify POS vs online fees” because the in-person rate looks cheaper and the card reader looks free after a few markets. The missing piece is postage. If checkout charges more to ship than the label costs, that markup can beat the cheaper tap.
It does not recommend a channel, a reader, or a price, and it is not tax or financial advice. Compare PayPal vs Shopify Payments or Shopify Shipping vs your own label, or Shop Pay Installments vs a regular card, store credit vs a cash refund, or Shopify Capital vs waiting, or refund vs fight vs accept, or local delivery vs the carrier label, or pickup vs the carrier label, or gift card vs selling the SKU now on the main Shopify fee calculator when the question is processor, postage, installment mix, a return, a dispute, a driver run, a hold, or stored value — not counter vs checkout.
In-person Shopify Payments rates are often a lower percentage and a smaller fixed fee than online rates on the same plan. That is only the card side. An online order that marks up postage can still keep more cash than a pickup tap. Enter the rates from your statements — this page does not publish Shopify's live schedule.
Only if in-person tickets keep more than the same SKU sold online. This calculator divides the reader cost by the extra cash kept on the winning in-person path (pickup when pickup wins, otherwise the same-ticket rate gap). It is arithmetic from your inputs, not a forecast of market-table volume.