🛒 Picking a point-of-sale system comes down to what you’ll actually pay per month. Here’s a quick, practical breakdown plus a plug-and-play calculator to model your numbers.
Table of Contents
Adjust the defaults to your region and plan. It estimates monthly totals and effective fee % for each platform, then calls a winner.
🧮 Shopify POS vs Square POS Fee Calculator
Your Sales
Tips
- Use **card-present** rates for tap/chip.
- Add monthly POS software and hardware amortization if applicable.
- Keyed/online rates are usually higher; model separately if needed.
Shopify POS
Square POS
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📋 How to use the calculator
- Enter your average ticket and monthly in-person transactions
- Set each platform’s card-present percent and fixed fee
- Add any monthly POS software charges and optional hardware amortization
- Click Calculate to see monthly totals, effective fee %, and the winner
💡 What affects POS cost
- Card processing rate, a percent + fixed fee per in-person transaction
- Monthly software plan (per location)
- Hardware costs (you can amortize per month)
- Mix of card-present vs keyed/online (calculator below focuses on card-present; you can tweak fields to match your rates)
🔑 Key takeaways
- For small ticket sizes with lots of transactions, the fixed per-swipe fee matters a lot
- For higher AOVs, the percent rate dominates
- Don’t forget recurring costs like POS software per location and hardware, which can outweigh tiny differences in processing rates
- Use your exact local rates to find the real break-even between Shopify POS and Square POS