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Processing rates do not decide the Shopify plan until monthly volume passes ¥4.3mShopifyのプラン選びは、月商430万円を超えるまで手数料では決まりません
Japan pricing, annual billing, excluding tax, cards issued in Japan. On those terms the ¥4,300,000 figure holds only for merchants who take every payment through Shopify Payments. Put convenience-store payment or anything similar alongside it and the crossover drops; a store routing all of its sales through outside providers reaches it at ¥645,000 a month.
Three terms to settle before the arithmetic
- Processing rate: the percentage the payment company deducts from card sales. With Shopify Payments (Shopify's own payment function) it is fixed by plan.
- Outside payment providers: any payment company other than Shopify Payments — convenience-store payment, PayPal, payment agencies that process transactions on the merchant's behalf. Sales on that route carry Shopify's third-party transaction fee on top of whatever the payment company itself charges.
- Monthly volume: the total billed amount cleared by card (goods, shipping and consumption tax). Bank transfers and cash on delivery are excluded, so it does not match revenue as booked in the accounts.
Listed prices exclude tax, and annual billing means a year paid up front
The pricing page says nothing about tax, but clause 5.5 of the Japanese terms of service states that fees do not include taxes, which are added according to the billing address. What actually leaves the account when an annual contract is signed is twelve months, not a monthly equivalent.
| Basic | Grow | Advanced | Plus | How to read the figure | |
|---|---|---|---|---|---|
| Monthly fee (annual billing, excl. tax) | ¥3,650 | ¥10,100 | ¥44,000 | No annual price published | Payable at signing: ¥43,800 / ¥121,200 / ¥528,000 excluding tax; ¥48,180 / ¥133,320 / ¥580,800 including tax |
| Monthly fee (monthly billing, excl. tax) | ¥4,850 | ¥13,500 | ¥58,500 | From ¥368,000 | The first payment covers one month only. On Basic the gap against annual billing is ¥1,200 a month |
| Domestic credit cards | 3.55% + ¥0 | 3.4% + ¥0 | 3.25% + ¥0 | "Lowest rates in the industry" | The gap between plans is 0.15%. Below ¥4,300,000 a month it never covers the ¥6,450 difference in monthly fee |
| Amex and foreign cards | 3.9% | 3.85% | 3.8% | As above | A gap of 0.05%. Stores selling mainly cross-border gain nothing by changing plan |
| Third-party transaction fee | 2% | 1% | 0.6% | 0.2% | The 1% gap is wide, and for stores using outside providers this row sets the crossover |
| Staff accounts | 0 | 5 | 15 | Unlimited | Basic adds none. The moment a second person needs access, Grow is the floor regardless of volume |
Figures in Japanese yen, excluding tax, Japanese rate card. Sources: shopify.com/jp/pricing, shopify.com/jp/legal/terms (verified August 2026)
Without outside providers, the crossover sits at ¥4,300,000 a month
With outside providers in the mix, the crossover falls to ¥645,000
Moving up to Grow saves two things at once: 0.15% on the volume cleared through Shopify Payments, and 1% on the volume cleared outside it. Writing the outside share as f and solving 6,450 = S × {0.15% × (1−f) + 1% × f} gives ¥4,300,000 at f = 0, about ¥2,020,000 at 0.2, about ¥1,590,000 at 0.3, about ¥1,120,000 at 0.5, and ¥645,000 at 1.0. A fifth of sales moved outside already puts it below half.
The mix question is worth settling before the plan question
Official help carries a condition the pricing page never shows: "When you use Shopify Payments as your sole payment provider, there are no third-party transaction fees for orders." Put the other way round: the moment one payment method moves outside, "Transactions processed by Shopify Payments, such as Shop Pay and local payment methods, are charged at standard Shopify Payments rates plus a 1.25% premium." Take a store at ¥3,000,000 a month that moves ¥300,000 of it.
- Before: ¥3,000,000 × 3.55% = ¥106,500
- After: Shopify Payments ¥2,700,000 × (3.55% + 1.25%) = ¥129,600, outside provider ¥300,000 × 2% = ¥6,000, total ¥135,600
That is ¥29,100 more a month, roughly 4.5 times the ¥6,450 gap between plans — and it covers only what goes to Shopify, since the outside payment company charges its own fees on top. Adding the method earns its place if the sales it newly creates exceed that increase; if existing customers simply switch payment method, it is a straight loss. The 1.25% applies at the same rate on both plans, so it cancels out and leaves the crossover itself where it was.
Basic cannot add a single staff account
Grow allows five, Advanced fifteen, Plus unlimited. Official help states that "Users are available only on the Grow plan and higher", which means the number that can be added alongside the owner is zero. The moment a second person needs access, Grow is the answer regardless of volume.
Which one to choose
- Two or more people in the admin: Grow. Basic is a dead end whatever the volume.
- Shopify Payments only, mainly domestic cards: Basic up to ¥4,300,000 a month.
- Outside providers in the mix: about ¥2,020,000 at a 20% share, ¥645,000 at 100%.
- Amex and foreign cards above half of sales: Basic up to ¥12,900,000 a month.
- Pre-launch, with volume still unknown: Basic on monthly billing. Paying ¥1,200 more a month costs less than tying up ¥121,200 for a year and then dropping the plan.
- If undecided, start on Basic monthly and put three months of settlement statements into the formula above. You can upgrade at any time.
Stores that should not choose these plans
- Basic: stores with two or more people involved, and stores above ¥1,600,000 a month with more than 30% of sales on outside providers.
- Advanced: stores below ¥22,600,000 a month that do not need fifteen staff seats. A 0.15% rate gap will not recover the ¥33,900 monthly increase.
- Shopify itself: stores whose merchandise falls into Shopify Payments' prohibited or restricted categories. All sales run through outside providers, carrying a permanent 2% on top of the payment company's own fees.
Sources
All verified in August 2026.
- Japanese monthly fees (annual billing ¥3,650 / ¥10,100 / ¥44,000; monthly billing ¥4,850 / ¥13,500 / ¥58,500; Plus from ¥368,000 with no annual price published), domestic cards 3.55% / 3.4% / 3.25% (all +¥0), Amex and foreign cards 3.9% / 3.85% / 3.8%, third-party transaction fees 2% / 1% / 0.6% / 0.2%, staff accounts 0 / 5 / 15 / unlimited → https://www.shopify.com/jp/pricing
- Listed prices exclude tax (clause 5.5, payment of fees and taxes; tax added on the basis of the billing address) → https://www.shopify.com/jp/legal/terms
- "Annual billing charges the full year upfront" → https://help.shopify.com/en/manual/intro-to-shopify/pricing-plans/pricing-overview
- "When you use Shopify Payments as your sole payment provider, there are no third-party transaction fees for orders." / "Transactions processed by Shopify Payments, such as Shop Pay and local payment methods, are charged at standard Shopify Payments rates plus a 1.25% premium." → https://help.shopify.com/ja/manual/payments/shopify-payments/onboarding/cost-of-shopify-payments (English original on the /en/ version of the same page)
- "Users are available only on the Grow plan and higher"; users by plan 0 / 5 / 15 / unlimited → https://help.shopify.com/ja/manual/your-account/users/users-plan-requirements
- Japan is a supported country for Shopify Payments → https://help.shopify.com/en/manual/payments/shopify-payments/supported-countries
- Requirements for use in Japan (yen-denominated ordinary bank account, an original photograph of identity documents, the published Commercial Transactions Act notice) → https://help.shopify.com/en/manual/payments/shopify-payments/supported-countries/japan/requirements
- Prohibited and restricted categories are set per payment processor → https://www.shopify.com/legal/terms-payments/jp
- US pricing (Basic $29 / Grow $79 on annual billing; 2.9% + 30¢ / 2.7% + 30¢), referenced only to show the distance from Japan → https://www.shopify.com/pricing
The crossovers, totals and multiples are calculated by SaaS COMPASS from the official prices above, with the formulas left in the body so they can be re-run. Yen and dollar prices do not move together: the rate steps differ, and so does the shape of the fee (the +30¢ component), so a crossover calculated in dollars cannot be carried across to Japan.
What we could not confirm officially
- How the yen prices are set (converted from US dollars, or set independently). No statement of pricing policy could be confirmed on official pages.
- Whether processing fees are charged on shipping and consumption tax as well as goods. No official wording could be confirmed. The definition of monthly volume used here is a working approximation.
- Explicit wording that the outside payment company's own fees arise separately from Shopify's transaction fee. Official help goes only as far as stating that transactions processed by outside providers attract the third-party transaction fee set by plan; the payment company's own rates are a matter for each contract.
- The total number of countries supported by Shopify Payments. The count in the published list is not used in any judgement here — only the fact that Japan appears on it.
- Wording that names Japan as a country where the 1.25% premium applies. We treat it as applying on the basis that the Japanese-language help carries the same statement.
SaaS COMPASS participates in affiliate programmes including Shopify's and may earn a commission on applications made through our links. This has no bearing on the figures or the ranking.
ただし430万円が使えるのは、決済を全額 Shopify ペイメントで受ける店だけです。コンビニ決済などを併用すると分岐点は下がり、全額を外部で受ける店なら月商64.5万円まで落ちます。前提は日本・年払・税別・国内カードです。
計算の前に、言葉を3つそろえます
- 決済手数料:カード売上から決済会社が引く率です。Shopify ペイメント(Shopify 自社の決済機能)ならプランごとに決まります。
- 外部決済サービス:Shopify ペイメント以外の決済会社(コンビニ決済、PayPal、決済代行会社=店に代わって決済を処理する事業者)です。この経路の売上には、決済会社自身の手数料とは別に Shopify の「外部サービスによる取引手数料」が乗ります。
- 月商:カード決済で通った請求総額(商品代金+送料+消費税)です。銀行振込や代引きは含まず、会計上の売上高とはずれます。
表示価格は税別で、年払は1年分の前払いです
料金ページに税の表記はありませんが、利用規約(日本語版)5.5に「料金には(…)税金は含まれません」とあり、税は請求先住所に応じて加算されます。年払で契約時に出るのは月額換算ではなく12か月分です。
| ベーシック | グロー | アドバンス | Plus | この数字の読み方 | |
|---|---|---|---|---|---|
| 月額(年払・税別) | 3,650円 | 10,100円 | 44,000円 | 年払の記載なし | 契約時の支払は43,800円/121,200円/528,000円(税別)、税込48,180円/133,320円/580,800円 |
| 月額(月払・税別) | 4,850円 | 13,500円 | 58,500円 | 368,000円〜 | 初回の支払は1か月分だけ。年払との差はベーシックで月1,200円 |
| 国内クレジットカード | 3.55%+0円 | 3.4%+0円 | 3.25%+0円 | 「業界最安水準の料率」 | プラン間の差は0.15%。月商430万円までは月額差6,450円を埋められません |
| AMEX・海外カード | 3.9% | 3.85% | 3.8% | 同上 | 差は0.05%。越境EC(海外の顧客に売ること)中心の店はプラン変更で得をしません |
| 外部サービスによる取引手数料 | 2% | 1% | 0.6% | 0.2% | 差が1%と大きく、外部決済を使う店はこの行が分岐点を決めます |
| スタッフアカウント | 0 | 5 | 15 | 無制限 | ベーシックは追加ゼロ。2人目が要る時点で月商と無関係にグロー |
単位:日本円・税別・日本向け料率。出典:shopify.com/jp/pricing、shopify.com/jp/legal/terms(2026年8月確認)
外部決済を使わない店の分岐点は、月商430万円です
外部決済を併用すると、分岐点は64.5万円まで下がります
グローに上げて浮くのは、決済率差0.15%(Shopify ペイメント通過分)と取引手数料差1%(外部決済通過分)の合計です。外部決済比率を f として 6,450 = S ×{0.15%×(1−f) + 1%×f}を解くと、f=0で430万円、0.2で約202万円、0.3で約159万円、0.5で約112万円、1.0で64.5万円。2割混ぜるだけで半分以下です。
併用するかどうかは、プランより先に決める価値があります
公式ヘルプに、料金ページには出てこない条件があります。「Shopify ペイメントのみを決済サービスとして使用する場合、注文に対する外部サービスによる取引手数料は発生しません」。裏返せば、決済手段を1つ外に出した時点で「Shopify ペイメント経由で処理される取引には、標準の Shopify ペイメント手数料に加えて 1.25% の追加手数料が請求されます」。月商300万円の店が30万円分を移す場合です。
- 移す前:300万円 × 3.55% = 106,500円
- 移した後:Shopify ペイメント270万円 ×(3.55%+1.25%)= 129,600円、外部決済30万円 × 2% = 6,000円、合計135,600円
差し引き月29,100円の増加、プラン差6,450円の約4.5倍です。これは Shopify に払う分だけで、外部決済会社自身の手数料は別に出ていきます。外部決済で新しく立つ売上がこの増分を上回るなら足す価値があり、既存客が支払い方法を移すだけなら丸損です。1.25%は両プラン同率で相殺され、分岐点そのものは動かしません。
ベーシックはスタッフアカウントを1つも追加できません
グロー5人、アドバンス15人、Plus無制限です。公式ヘルプに「ユーザー機能は、Grow プラン以上でのみ利用できます」とあり、オーナー本人とは別枠で追加できる人数がゼロという意味になります。2人目に触らせる時点で、月商と関係なくグローが決まります。
結局どれを選ぶか
- 触る人が2人以上なら、グロー。月商と無関係にベーシックでは詰みます
- Shopify ペイメントだけで国内カード中心なら、月商430万円まではベーシック
- 外部決済を併用するなら、比率20%で約202万円、100%で64.5万円
- AMEX・海外カードが半分を超えるなら、月商1,290万円までベーシック
- 立ち上げ前で月商が読めないなら、月払のベーシック。年払で121,200円を寝かせて外すより、月額差1,200円のほうが安い授業料です
- 迷ったら月払のベーシックで始め、3か月分の決済明細を上の式に入れてください。プランは後からいつでも上げられます
このプランを選ぶべきでないのは、こんな店です
- ベーシック:担当者が2人以上いる店、外部決済3割超で月商160万円を上回る店
- アドバンス:月商2,260万円未満で、スタッフ枠15人が要らない店。月33,900円の増分を0.15%の料率差では取り返せません
- Shopify 自体:取扱商材が Shopify ペイメントの禁止・制限業種に当たる店。売上が全額外部決済を通り、決済会社の手数料に加えて2%が常時乗ります
出典
すべて2026年8月に確認しました。
- 日本の月額(年払3,650/10,100/44,000円、月払4,850/13,500/58,500円、Plus 368,000円〜・年払の記載なし)、国内カード3.55%/3.4%/3.25%(いずれも+0円)、AMEX・海外カード3.9%/3.85%/3.8%、外部サービスによる取引手数料2%/1%/0.6%/0.2%、スタッフアカウント0/5/15/無制限 → https://www.shopify.com/jp/pricing
- 表示価格が税別であること(第5条5.5「手数料および税金の決済」、税は請求先住所に基づき加算) → https://www.shopify.com/jp/legal/terms
- 年払は1年分を前払いで請求(原文:Annual billing charges the full year upfront) → https://help.shopify.com/en/manual/intro-to-shopify/pricing-plans/pricing-overview
- 「Shopify ペイメントのみを決済サービスとして使用する場合、注文に対する外部サービスによる取引手数料は発生しません」(原文:When you use Shopify Payments as your sole payment provider, there are no third-party transaction fees for orders.)/「Shop Pay や現地の決済方法など、Shopify ペイメント経由で処理される取引には、標準の Shopify ペイメント手数料に加えて 1.25% の追加手数料が請求されます」(原文:Transactions processed by Shopify Payments, such as Shop Pay and local payment methods, are charged at standard Shopify Payments rates plus a 1.25% premium.) → https://help.shopify.com/ja/manual/payments/shopify-payments/onboarding/cost-of-shopify-payments (英語原文は同ページの /en/ 版)
- 「ユーザー機能は、Grow プラン以上でのみ利用できます」(原文:Users are available only on the Grow plan and higher)/プラン別ユーザー数0・5・15・無制限 → https://help.shopify.com/ja/manual/your-account/users/users-plan-requirements
- 日本が Shopify ペイメントの対応国であること → https://help.shopify.com/en/manual/payments/shopify-payments/supported-countries
- 日本での利用要件(円建て普通預金口座、本人確認書類の原本写真、特定商取引法に基づく表記) → https://help.shopify.com/en/manual/payments/shopify-payments/supported-countries/japan/requirements
- 禁止・制限業種の区分が決済処理会社ごとに定められること → https://www.shopify.com/legal/terms-payments/jp
- 米国価格(ベーシック$29/グロー$79・年払、2.9%+30¢/2.7%+30¢)※日本との差を示すためだけに参照 → https://www.shopify.com/pricing
分岐点・総額・倍率は、上記の公式価格から当サイトが計算しました。計算式は本文に載せています。円建てとドル建ての価格は連動しておらず、料率の刻みも手数料の形(+30¢の有無)も違うため、ドル建てで計算された分岐点を日本に持ち込むことはできません。
公式に確認できなかったこと
- 円建て価格の決め方(米ドルからの換算か独立設定か)。公式に価格設定方針の記述を確認できませんでした。
- 決済手数料の課税対象額に送料・消費税が含まれるかの明文。公式に記載を確認できませんでした。本文の月商の定義は運用上の目安です。
- 外部決済会社自身の手数料が Shopify の取引手数料と別に発生する旨の明文。公式ヘルプにあるのは「外部決済サービスによって処理される取引には、プランに応じた外部サービスによる取引手数料が適用される」までで、決済会社側の料率は各社の契約でご確認ください。
- Shopify ペイメント対応国の総数。掲載リストの国数は本文の判断に使っておらず、日本が掲載されている事実のみを使いました。
- 1.25%の上乗せが日本に適用されると国名を明示した記述。日本語版ヘルプに同内容の記載があることをもって適用としています。
当サイトは Shopify を含む各社のアフィリエイトプログラムに参加しており、リンク経由の申込に対して紹介料を受け取ることがあります。金額や順位に影響は与えていません。