From charge to deposit in four steps
This guide summarises Shopify's help center and pricing page read on 30 October 2026. It is not financial advice, and we have not run a store to time real payouts.
| Step | What happens | Source |
|---|---|---|
| 1. Charge captured | The customer pays; fees are deducted from that transaction | [4] |
| 2. Settlement | Funds become eligible after your country's minimum settlement time in business days | [1] |
| 3. Payout | Eligible funds go out on your daily, weekly or monthly schedule | [2] |
| 4. Bank | Money lands in your checking account or Shopify Balance | [5] |
Minimum settlement time by country
Shopify says settlement times vary by country, risk level and transaction type; these are minimums from its payout timing article. Some countries also set a minimum payout amount; below it, the payout stays pending. [1]
| Country | Minimum settlement |
|---|---|
| Australia | 2 business days |
| Canada, Germany, United Kingdom, United States | 3 business days |
| Hong Kong SAR, Singapore | 4 business days |
| Japan, United Arab Emirates | 5 business days |
| Mexico | 7 business days |
Payout schedules, weekends and holidays
Choose daily, weekly or monthly at Settings, Payments, Shopify Payments, Manage, Payouts. Weekly lets you pick the day. A monthly date that does not exist in a month pays on its last day. Switching is free, but pending payouts wait for the next date on the new schedule. Merchants in Japan cannot choose daily, and active Shopify Capital or Credit may change your options. [2]
Settlement counts business days only. Charges captured Friday, Saturday and Sunday are grouped into one payout, and payouts are not processed on weekends or public holidays. [1]
Worked example: a $100 order
A US store on the Basic plan sells a $100 product online through Shopify Payments. Basic's online card rate is 2.9% + 30 cents, so the fee is $2.90 + $0.30 = $3.20 and $96.80 is eligible for payout. In some regions tax on the fee is also deducted. [6][4]
Timing: captured on a Tuesday, the US 3-business-day minimum makes it eligible on Friday at the earliest, paid on the next payout date of a daily schedule. Captured on a Friday, it joins the weekend's charges and the three business days run Monday to Wednesday. A public holiday in between pushes it a day. [1]
Using a third-party payment provider instead adds a transaction fee of 2% on Basic on top of that provider's own rates. [6]
| Plan (monthly / yearly billing) | Online card rate | Fee on $100 | Net payout |
|---|---|---|---|
| Basic ($39 / $29 per month) | 2.9% + 30 cents | $3.20 | $96.80 |
| Grow ($105 / $79 per month) | 2.7% + 30 cents | $3.00 | $97.00 |
| Advanced ($399 / $299 per month) | 2.5% + 30 cents | $2.80 | $97.20 |
| Plus (from $2,300 per month) | 2.25% + 30 cents | $2.55 | $97.45 |
Holds and reserves: when money waits
Account reviews can hold payouts, for reasons such as chargeback disputes, compliance checks and high-risk orders. Changing to a new external bank account pauses payouts for 3 to 5 business days (not when switching to Shopify Balance). Refunds or chargebacks that leave a negative balance delay payouts until later sales cover it. [1]
A reserve holds part or all of your transactions for a set period. Shopify's examples: a fixed $1,000 held for 120 days, or 10% of each transaction held for 120 days with the other 90% paid normally. Factors Shopify lists include extended billing cycles such as annual subscriptions, elevated chargebacks, an increased refund rate, extended delivery timelines such as custom orders and pre-orders, and significant volume surges. Terms arrive by email; some reserves can be appealed by replying, and others lift automatically once you meet listed requirements. [3]
In the $100 example, a 10% reserve would hold about $10 and pay out the rest. Your payout transactions show it as Reserve funds, and later as Released funds. [3]
First payout and reconciling what arrived
Shopify's articles do not give a fixed first-payout delay. They do say an incomplete Shopify Payments setup, such as no bank account added, delays payouts, and that payouts for new merchants to Shopify Balance can take up to 5 business days. [1]
If a payout is lower than expected, Shopify lists processing fees, tax on fees, refunds, chargebacks with dispute fees, reserves, holds, negative balances, adjustments and currency conversion. Export the payout's transactions: the CSV has Amount, Fee and Net columns. [4]
- Finish Shopify Payments setup and add a bank account before launch.
- Pick a schedule that matches your bills; changing it later delays pending payouts.
- Do not change bank accounts right before a big sale: payouts pause 3 to 5 business days.
- Budget for refunds and chargebacks reducing the next payout.
- Reconcile monthly with the payout CSV's Amount, Fee and Net columns.
Questions before you decide
How long do Shopify Payments payouts take in the US?
Shopify's payout timing article lists a minimum settlement time of 3 business days for the United States. Weekend charges from Friday to Sunday are grouped into one payout, and payouts are not processed on weekends or public holidays.
How much of a $100 sale do I receive on Shopify Basic?
With Shopify Payments, Basic's online card rate is 2.9% plus 30 cents, so the fee is $3.20 and $96.80 goes toward your payout. Some regions also deduct tax on the processing fee.
Can I change my Shopify payout schedule?
Yes, between daily, weekly and monthly at no charge, in Settings, Payments. Pending payouts move to the next date on the new schedule. Merchants in Japan cannot choose daily, and Shopify Capital or Credit can change your options.
What is a Shopify Payments reserve?
A temporary hold on part or all of your transactions for a set period, such as 10% of each sale for 120 days. Shopify communicates reserve terms by email and reviews the account before the reserve expires.
Sources & verification
Product details and prices can change. Check the linked provider before buying.
- Shopify Help Center: understanding Shopify Payments payout timing Accessed 30 Oct 2026
- Shopify Help Center: changing your payout schedule Accessed 30 Oct 2026
- Shopify Help Center: Shopify Payments reserves Accessed 30 Oct 2026
- Shopify Help Center: lower or missing payouts Accessed 30 Oct 2026
- Shopify Help Center: Shopify Payments payouts Accessed 30 Oct 2026
- Shopify pricing Accessed 30 Oct 2026
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