Quidkey is Live on the Shopify App Store
Quidkey is now an approved Shopify payment partner. Add Pay by Bank to your checkout in a few clicks — lower fees, faster settlement, and one-click refunds.
4 min read·Read article→
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.
We built the Quidkey Shopify Fee Calculator so you can see your exact number in 30 seconds. But before you do, here's what the maths looks like at different sales volumes — and why Pay by Bank makes such a difference for high-volume stores.
The card processing rates for Shopify Plus in Australia
For Shopify Plus merchants in Australia, card processing costs are:
Transaction type
Rate
Domestic
1.2% + A$0.30 per order
International (all-in, including 2% FX conversion)
5.0% + A$0.30 per order
With Quidkey Pay by Bank on Shopify, those rates can become:
Transaction type
Rate
Domestic
0.5% + A$0.30 per order
International
2.0% + A$0.30 per order
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):
Monthly fees
Annual fees
Card processing
A$750
A$9,000
Quidkey Pay by Bank
A$400
A$4,800
Saving
A$350
A$4,200
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):
Monthly fees
Annual fees
Card processing
A$2,800
A$33,600
Quidkey Pay by Bank
A$1,400
A$16,800
Saving
A$1,400
A$16,800
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:
Monthly fees
Annual fees
Card processing
A$10,550
A$126,600
Quidkey Pay by Bank
A$4,750
A$57,000
Saving
A$5,800
A$69,600
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.
Estimates are based on publicly available Shopify Australia pricing as of 2026 and Quidkey's standard example pricing. Actual fees vary by plan, card mix, volume, negotiated rates, and other factors.
