Payment fees are what your payment processor (Shopify Payments, PayPal, Stripe, Klarna, etc.) charges you per transaction. Setpilot matches the correct fee to every order based on country and the payment method the customer used.
How payment costs are matched
Lookup step | What Setpilot checks |
1. Country + method | Does this country have a cost defined for this specific payment method? |
2. Country default | If not, use the country-level default for any payment method. |
3. Worldwide | If no country entry, use the Worldwide cost. |
4. Shop default | Fall back to the default payment cost in Settings. |
Typical payment fee structure
Most payment providers charge a fee that is a percentage plus a fixed amount per transaction. For example:
Shopify Payments (US domestic) — 2.9% + $0.30.
Shopify Payments (international card) — 3.9% + $0.30.
PayPal — 3.49% + $0.49 (US).
Klarna, Afterpay, Affirm — typically 4% to 6% per transaction.
Check your processor dashboard for your exact rates — they vary by region, plan, and volume.
Setting up payment costs
Go to Costs Setup → Payments.
Select a country (or click Add country).
Toggle Specify by payment method to configure each method individually.
Enter the percentage and fixed amount for each method.
Set the effective date if the fee structure changes on a specific day.
Cash on delivery (COD)
COD orders often have different cost structures — sometimes a flat COD handling fee plus a collection percentage. Setpilot treats COD as a distinct payment method so you can configure it separately from card payments.
Currency conversion fees
If you sell across currencies, your processor may charge conversion fees on top of the standard rate. Add these as part of the international percentage (e.g. 3.9% + 1.5% conversion = 5.4% total) or track them as a separate Other cost if they are substantial.
Sync with worldwide
If most countries share the same fee structure, enable Sync with worldwide on the country. It inherits the worldwide defaults so you only have to maintain them in one place. Disable the toggle to set country-specific overrides.
Viewing per-order payment cost
Open any order on the Orders page to see which payment method was used and the exact fee Setpilot calculated. Useful for reconciling Setpilot's numbers against your processor statements.