AI commerce fee calculator
Compare channel costs using your own fee assumptions.
2.9% + $0.30 is example data, not every store's actual rate.
Verify your payment and channel contracts.
Monthly fee breakdown
Rates are editable assumptions. Verify your payment and channel contracts.
ChatGPT referrals
Google AI Mode
Direct website
Custom scenario
Illustrative example,
not a published fee.
Modeled monthly fees: ChatGPT referrals $247.50; Google AI Mode $247.50; Direct website $247.50; Custom scenario $547.50.
Assumptions: Processing fee is 2.9% + $0.30 per order (example data). Channel fees apply to the specified checkout paths.
Same order volume for every alternative. Totals are not added together.
Verify your payment and channel contracts.
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How fees are calculatedFormula, assumptions and policy sources
Each scenario compares the same order value and volume. These are alternatives, not a combined monthly bill. Monthly revenue is optional context and does not affect the calculation.
- Per-order fee
- Order value × (channel fee + processing percentage) ÷ 100 + fixed processing fee.
- Monthly fees
- Unrounded per-order fee × orders per month. Display rounding can make the shown per-order fee × orders differ from the monthly total.
- Effective rate
- Per-order fee ÷ order value × 100. A zero order value has no defined effective rate.
All currency is USD. Your actual bill can include taxes, currency conversion, refunds, disputes, minimum charges and other contract-specific fees not modeled here. This calculator compares transaction fees, not profit, return on investment, eligibility or channel performance.
The chart starts at zero and uses one shared scale for all scenarios. Teal shows processing costs; amber shows the additional channel fee. Tied costs are shown equally. Very large values are rejected when precise currency calculations are no longer supported.
Check the checkout path.
Then check your contract.
Starting rates are examples for the paths below. They are not a quote for every merchant, region or integration.
Guidance reviewed October 24, 2026.
- ChatGPT referrals
- OpenAI describes purchases completing on merchant-owned websites or apps, with no fee on purchases that start in ChatGPT. Your payment-processing costs still apply. The former standalone Instant Checkout model is not the basis for this preset. OpenAI merchant guidance · Shopify’s ChatGPT guidance
- Google AI Mode
- The 0% starting assumption reflects Shopify’s supported Google AI Mode and Gemini direct-checkout path. Shopify says that path adds no channel fee; standard processing remains. Other integrations and contracts can differ. Shopify’s Google checkout guidance
- Direct website and custom scenarios
- Direct website starts with no additional channel commission. Enter any extra transaction fee in your own agreement. The custom 4% rate is a hypothetical comparison, not a published OpenAI fee.
- Payment processing
- The editable 2.9% + $0.30 example matches Stripe’s standard domestic-card pricing. Rates depend on payment method, country and contract; this is not a universal rate for these channels. Check Stripe pricing and your own provider’s agreement.
A fee comparison is one part of the decision.
Use your measured referral traffic, conversion, returns and margins alongside these costs. A lower fee alone does not establish which channel will bring more customers or a better return.
Know your fees.
Check your storefront.
The free diagnostic inspects public technical signals and gives you prioritized recommendations. Fee estimates do not measure your store’s AI visibility.
Free diagnostic. No credit card required.