An honest, side-by-side look using each provider's publicly published pricing. Shopify Payments is excellent at what it is built for. Here is where each one fits, and what you actually pay.
Published rates and terms. Verify current pricing on each provider's site.
| AllProPay | Shopify Payments | |
|---|---|---|
| Pricing model | Three programs: Dual Pricing, interchange-plus, or AllPro Rebate. We recommend the one that fits after going over your numbers with you. | Flat rate, tied to a paid Shopify subscription plan. |
| Published online rate | Based on your volume and card mix. We show you the number. | 2.9% + 30¢ (Basic), 2.7% + 30¢ (Grow), 2.5% + 30¢ (Advanced). |
| In-person rate | Set by the program that fits your business. We show you the math. | 2.6% + 10¢ (Basic) down to 2.4% + 10¢ on higher plans, via Shopify POS. |
| Can you see your true cost? | Yes. Every fee is itemized. | No. The underlying interchange is bundled into the flat rate, plus the monthly subscription. |
| Contracts or cancellation fees | None. | No processing contract, but a paid subscription is required, plus an extra fee if you use another processor. |
| Free review of your current fees | Yes, no obligation. | Not offered. |
| Support | A real person who knows your account. | Mainly docs, email, and chat, inside the Shopify platform. |
| Best for | Owner-operated businesses taking payments in person and online. | Ecommerce brands built on Shopify that want payments fully integrated with their online store. |
| Setup | We set it up and help you switch with no downtime. | Self-serve, built into your Shopify store. |
Shopify Payments is genuinely strong if your business is built on Shopify and you want payments fully integrated with your online store. It is convenient, it lives right in your dashboard, and there is nothing extra to wire up. If you’re an ecommerce brand that runs on Shopify and sells mostly online, Shopify may be the right fit, and we’ll tell you so.
Living inside Shopify is convenient, but you’re tied to the subscription and penalized with an extra fee for using another processor. For businesses that take a lot of payments in person, or sell across more than one channel, pricing that fits how you sell (Dual Pricing, interchange-plus, or AllPro Rebate) and the freedom to keep your own stack matter. AllProPay puts the real cost in front of you, gives you a person to call, and can still work alongside your online store.
Shopify publishes its rates, so you don’t need a statement. Two numbers show you what you pay Shopify today. Want it in writing? Leave your details and we’ll send you the full side by side.