The real cost of card processing for Shopify merchants
See what card processing really costs Shopify merchants — domestic and international — and how much Quidkey Pay by Bank can save at A$50k to A$500k a month.
Most merchants know card processing fees exist. Few have sat down and calculated what they add up to across a year.
The number is usually larger than expected. And for Shopify Plus merchants selling internationally, it's often significantly larger.
The card processing rates for Shopify Plus in Australia
For Shopify Plus merchants in Australia, card processing costs are:
With Quidkey Pay by Bank on Shopify, those rates can become:
As an approved Shopify payment partner, Quidkey integrates directly into your existing checkout. Pay by Bank sits alongside cards, and customers who want to pay by card still can.
What the numbers look like in practice
Example 1: A$50,000/month in domestic sales
A store with A$50,000 in monthly domestic sales and an average order value of A$100 (500 orders/month):
Example 2: A$200,000/month in domestic sales
A store with A$200,000 in monthly domestic sales and an average order value of A$150 (approx. 1,333 orders/month):
Example 3: A$400,000 domestic + A$100,000 international/month
A store with A$500,000 in total monthly sales, split A$400k domestic (2,000 orders) and A$100k international (500 orders), at an average order value of A$200:
The international volume is where the gap really widens. At 5% all-in versus 2%, switching even a portion of international orders to Pay by Bank has an outsized impact.
See your exact number
The examples above are based on Shopify Plus, where Quidkey delivers the strongest savings. For merchants on other Shopify plans, additional third-party transaction fees apply and the comparison differs — the calculator accounts for this automatically.
Enter your Shopify plan, monthly sales volume, international split, and average order value. It takes about 30 seconds and requires no signup.
